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Just don’t look too closely at your property taxes or that surprise $900 utility bill. The Texas Tax Advantage: Why No State Income Tax Matters One of the biggest draws for people relocating to Texas—and Dallas in particular—is the absence of a state income tax. This means more of your paycheck stays in your pocket, offering a level of financial freedom that’s hard to find in many other states. More Take-Home Pay: Without state income tax, residents save thousands annually compared to states like California or New York. Business-Friendly Climate: Entrepreneurs and freelancers benefit from lower tax burdens, encouraging innovation and growth. Retirement Friendly: Retirees enjoy keeping more of their Social Security and pension income. The Hidden Costs: Property Taxes and Utility Bills However, this freedom comes with a few trade-offs you should be aware of: Property Taxes in Texas Texas compensates for the lack of state income tax with higher property taxes. The average effective property tax rate in Dallas-Fort Worth is around 2.1%, significantly above the national average. For luxury homes or mansions, this can mean tens of thousands of dollars annually in property taxes. It’s essential to factor this into your budget when considering a move. Utility Bills Surprise Texas’s deregulated energy market can lead to high and sometimes unpredictable utility bills, especially during extreme weather. Summer months with soaring temperatures (think 110° heat index) often cause spikes in electricity use for air conditioning. It’s not uncommon for residents to face utility bills exceeding $900 during peak months. Smart home energy management and efficient appliances can help mitigate these costs. Balancing Financial Freedom with Realistic Costs While Texas offers no state income tax—a major financial advantage—it's important to balance this with the realities of property taxes and utilities. For many, the overall tax savings and quality of life more than compensate for these expenses, but awareness is key. Final Takeaway No state income tax in Texas = more financial freedom—but don’t forget to budget for property taxes and seasonal utility bills. With smart planning, Dallas can be your gateway to a prosperous and comfortable lifestyle. Selden Tual Rogers Healy and Associates Real Estate

Lakewood, nestled in East Dallas, is renowned for its blend of historic charm and modern luxury. With its tree-lined streets, proximity to White Rock Lake, and a strong sense of community, it's a sought-after neighborhood for discerning buyers. If you're considering purchasing a luxury home in Lakewood, here are key insights to guide your journey. 1. Understand the Unique Character of Lakewood Lakewood boasts a diverse architectural landscape, from classic Tudor-style homes to contemporary masterpieces. The neighborhood's commitment to preserving its historical roots while embracing modernity offers a unique living experience. Before diving into the market, familiarize yourself with the area's history and the specific characteristics that define its luxury homes. 2. Prioritize Location and Lifestyle Proximity to amenities like the Dallas Arboretum, boutique shopping, and top-tier dining enhances Lakewood's appeal. Consider how close you want to be to these attractions, as well as schools and parks. Remember, in real estate, location significantly influences property value and lifestyle quality. 3. Secure Specialized Financing Luxury homes often come with price tags that exceed conventional loan limits. It's essential to explore jumbo loan options and work with lenders experienced in high-value property transactions. Ensure your financial documentation is in order to streamline the approval process. 4. Engage a Realtor with Luxury Market Expertise Navigating the luxury real estate market requires specialized knowledge. Partner with a Realtor who has a proven track record in Lakewood's luxury sector. Their insights into market trends, property values, and negotiation strategies will be invaluable. 5. Conduct Thorough Property Inspections High-end homes may feature complex systems and custom installations. Invest in comprehensive inspections covering structural integrity, HVAC systems, smart home technologies, and more. This diligence ensures you're making an informed investment. Architectural Digest 6. Plan for Long-Term Maintenance Luxury properties often come with extensive amenities like pools, landscaped gardens, and advanced security systems. Factor in the ongoing maintenance costs associated with these features to avoid unexpected expenses down the line. 7. Assess Resale Value and Market Trends Even if you plan to stay long-term, it's wise to consider the property's resale potential. Evaluate factors like neighborhood development plans, school district ratings, and market appreciation trends. A home with strong resale value offers financial flexibility for the future. Final Thoughts Purchasing a luxury home in Lakewood, Dallas, is more than a transaction—it's an investment in a lifestyle. By understanding the neighborhood's unique attributes and approaching the process with informed strategies, you can find a home that aligns with your aspirations. Collaborate with professionals who specialize in Lakewood's luxury market to navigate this journey with confidence. If you're ready to explore luxury homes in Lakewood or have questions about the market, feel free to reach out. Selden Tual Rogers Healy and Associates Real Estate

Setting the correct listing price is one of the most powerful tools Dallas home sellers have. Price too high and your property might linger on the market; price too low and you risk leaving money on the table. Understanding how to strategically price your Dallas home is the first step to achieving a faster sale and a higher return. Why the Right Price Matters Attracts More Buyers: Well-priced homes appear in more buyer searches and drive higher showing traffic. Generates Competitive Offers: Realistic pricing can lead to multiple offers, creating a bidding environment that benefits the seller. Reduces Time on Market: Homes priced correctly spend fewer days on market, avoiding the “stale” listing stigma. Improves Negotiating Power: With increased interest, sellers can be firmer on their terms and timelines. How to Determine the Optimal Listing Price Step Seller Benefit Comparative Market Analysis (CMA) Basing price on recent Dallas sales ensures competitiveness. Analyze Texas Market Trends Understands seasonal and neighborhood variations. Consider Home Features Adjust for upgrades, luxury amenities, or unique aspects. Account for Curb Appeal Enhanced curb appeal often justifies a premium. Review Buyer Demographics Aligning with what Dallas buyers are seeking improves interest. https://www.seldentual.com/posts/how-the-right-listing-price-sets-dallas-home-sellers-up-for-success Pricing Mistakes to Avoid Ignoring Local Data: Over-reliance on national trends won’t capture the nuances of the Dallas market. Emotional Pricing: Sentimental value does not translate to market value. Skipping Pre-Listing Preparation: Failing to address home maintenance or curb appeal can make even a well-priced listing seem overpriced. Pro Seller Tips Work with a top Dallas agent who provides an in-depth market analysis and thorough pricing strategy. Refresh your listing price if there’s limited interest in the first 2–3 weeks. Showcase curb appeal and recent improvements up front to support your price point. Conclusion Selecting the right listing price is an art and a science. By understanding current Dallas trends, enhancing curb appeal, and leveraging expert real estate advice, sellers position themselves to win big in the competitive Texas market. An effective listing price leads to more interest, better offers, and a smoother selling experience. Selden Tual Rogers Healy and Associates Real Estate

Museums, theater, art districts, the State Fair, and also—yes, it counts—football Sundays. A Thriving Cultural Scene in Dallas, 2025 Dallas is a city where culture flourishes across many dimensions—from world-class museums and vibrant art districts to iconic events and spirited sports traditions. Whether you’re a history buff, art lover, or just enjoy a lively Sunday football game, Dallas offers a rich cultural tapestry. Museums and Historic Sites The Sixth Floor Museum at Dealey Plaza: Explore the pivotal moment in American history with exhibits on JFK’s assassination, including artifacts and reflective spaces that draw visitors from around the world 138. Dallas Museum of Art: Home to an extensive collection ranging from ancient artifacts to contemporary masterpieces, this museum offers free general admission and rotating exhibitions that engage all ages 34. Nasher Sculpture Center: One of the world’s foremost collections of modern and contemporary sculpture, https://www.mothersalwaysright.com/the-13-best-things-to-do-in-dallas-in-2025-a-locals-guide/featuring works by Rodin, Picasso, and Matisse, set in a serene indoor gallery and outdoor garden 23. Perot Museum of Nature and Science: Interactive exhibits from dinosaur fossils to robotics make this a family favorite for hands-on learning and exploration 13. George W. Bush Presidential Library and Museum: Offers an in-depth look at eight years of presidential history with engaging exhibits on national and global issues 1. Performing Arts and Theaters AT&T Performing Arts Center: A multi-venue complex hosting Dallas’s finest performance companies, including contemporary dance, classical opera, and touring Broadway shows. Its architecturally stunning venues like the Winspear Opera House and Wyly Theatre are cultural landmarks 2. Meyerson Symphony Center: Renowned for its acoustics and design, it is home to the Dallas Symphony Orchestra and hosts world-class musical performances 2. Art Districts and Public Art Dallas Arts District: Spanning 68 acres downtown, this district features museums, galleries, theaters, and public art installations, making it the largest urban arts district in the U.S. 3. Bishop Arts District: Known for its eclectic galleries, boutiques, and vibrant street art, it’s a hotspot for creative expression and community events 3. Festivals and Events Texas State Fair: The oldest and longest-running state fair in the U.S., attracting over 2 million visitors annually. It features rides, food, live music, and the iconic Big Tex statue and Texas Star Ferris wheel 356. Cultural Festivals: Dallas hosts a variety of cultural events year-round, from the North Texas Irish Festival to art workshops and music concerts 67. Football Sundays: A Cultural Institution Football Sundays in Dallas are more than just games; they are social and cultural events that bring communities together to celebrate the city’s passion for the sport, food, and camaraderie. Final Thoughts Dallas’s cultural offerings are diverse and dynamic, blending history, art, performance, and community traditions. Whether you’re wandering through museums, enjoying a night at the theater, or cheering on the Cowboys, Dallas truly has culture in every corner. Selden Tual Rogers Healy and Associates Real Estate

Why Timing Matters in Texas Real Estate Choosing the right season to sell your home in Texas can impact how quickly you find a buyer and how much profit you make. Texas’s climate and strong job market support steady demand, but there are clear differences in buyer activity, sales speed, and sale prices depending on the time of year. Best Seasons to Sell Your Home in Texas 1. Spring (April to June): Peak Selling Season Most active buyer demand—families try to move before school starts, and warm weather encourages house hunting. Homes sell faster and for higher prices during these months due to increased competition among buyers. Listing in spring gives sellers a head start; mild winters in Texas mean you can even consider hitting the market as early as March in some regions. June is consistently the peak month for annual home sales across Texas. 2. Early Summer (May to July): Sustained Momentum Strongest closing period for speed or price—homes listed in May and June often achieve the highest sales prices, while June and July record the fastest sales (as little as 34 days on the market in some recent years). Moving before the new school year is a major motivator for buyers, ensuring robust activity. 3. Fall and Winter: Slower, but With Opportunities Fall (September to November): Activity tapers as school resumes and holidays approach; homes may sit longer but competition from other sellers is lighter. Winter (December to February): Fewest buyers and lowest prices on average. However, serious buyers during the offseason can still yield good offers for well-marketed homes and may mean less competition. Comparing to Other States Unlike colder states where winter means a standstill, Texas’s mild climate supports year-round sales, with the main slowdown in mid-winter. Selling in December can sometimes net higher prices in specific markets, driven by buyers aiming to close before year-end, but this varies by area and year. Key Takeaways and Practical Tips Season Buyer Demand Days on Market Price Potential Notes Spring Highest Fastest Best chance for top $ List April–June for maximum visibility Early Summer Very High Fast Peak sale prices May–July for fastest closings, family buyers Fall Moderate Slower May need to compete on price Less competition, targeted buyers Winter Lowest Slowest Often lower prices Fewer listings, possibly motivated buyers Tips: Prepare to list 1–2 months before your target moving date to allow for average selling timelines (Texas average: 56 days on market, 91 days from listing to closing). Consider local market nuances—urban areas may stay hot longer than rural areas. Curb appeal and strategic marketing matter most during slower months. Conclusion For Texas home sellers, the best time to sell is late spring through early summer (April to July), when demand and prices are highest. While homes can sell year-round, aligning your sale with the seasonal peak can help you net more and close faster. Selden Tual Rogers Healy and Associates Real Estate

Boosting Your Home’s Value: Cost-Effective Improvements for Sellers Selling your home means competing in a market where buyers prioritize energy efficiency, modern convenience, and curb appeal. Fortunately, you don’t need to break the bank to make improvements that attract buyers and increase your home’s value. Here are some cost-effective upgrades that sellers should consider to boost their home’s appeal and resale price. 1. Invest in Smart Home Features Buyers increasingly expect smart technology that makes life easier and safer. Installing a smart thermostat, smart locks, or video doorbells can set your home apart. These upgrades not only improve convenience but also help lower energy costs and enhance security — strong selling points in Texas. 2. Improve Energy Efficiency With rising utility costs, energy-efficient homes are highly desirable. Consider adding or upgrading: Solar panels to reduce electricity bills and increase resale value. A high-efficiency HVAC system combined with smart thermostats for better climate control. Better insulation to keep your home comfortable year-round. These improvements often qualify for tax credits or rebates, making them affordable investments with a solid return. 3. Refresh Your Curb Appeal First impressions matter. Simple, budget-friendly updates can make your home look well cared for and inviting: Apply a fresh coat of paint to the exterior. Update landscaping with native Texas plants like irises and hydrangeas. Replace or repaint the front door and update porch lighting for a welcoming entrance. These small touches can significantly increase buyer interest without a huge cost. 4. Focus on Kitchen and Bathroom Updates While full remodels can be expensive, targeted upgrades in kitchens and bathrooms offer high returns: Before cosmetic upgrades, ensure your home’s major systems are in good shape. Fixing leaks, repairing roofing issues, or addressing siding and window problems protects your home’s value and prevents buyer concerns that could derail a sale. Why These Improvements Matter for Sellers In 2025, buyers are savvy and cost-conscious. Homes that combine modern convenience, energy savings, and attractive aesthetics stand out in a competitive market. By focusing on these cost-effective improvements, sellers can: Sell faster by appealing to buyer priorities. Increase their home’s market value. Reduce negotiation hurdles related to repairs or outdated features. Ready to boost your home’s value before selling? Contact me today! Selden Tual Rogers Healy and Associates Real Estate

Navigating multiple offers is an exciting but challenging moment for home sellers. The right strategy can maximize your sale price and ensure a smooth closing. Here’s a step-by-step guide to help you handle multiple offers with confidence and professionalism. 1. Stay Organized and Calm Collect all offers before responding—set a clear deadline for submissions. Review each offer side-by-side to avoid confusion or missing key details. Communicate updates promptly and professionally to all interested buyers. 2. Evaluate Offers Beyond Just Price Consider these factors when comparing offers: Factor Why It Matters Offer Price Higher is better, but not always the best overall. Financing Type Cash offers close faster and with less risk. Contingencies Fewer contingencies (financing, appraisal, inspection) mean less risk of the deal falling through. Closing Timeline A flexible or faster closing may suit your needs. Earnest Money Deposit Larger deposits show serious intent. Buyer Flexibility Willingness to work with your move-out date or other needs. https://www.seldentual.com/posts/handle-multiple-offers-texas-home-sellers 3. Consider a Multiple Counter Offer You can send a counteroffer to more than one buyer at the same time. This keeps your options open and may encourage buyers to improve their offers. Make it clear that acceptance is not final until you sign a contract. 4. Ask for “Highest and Best” Offers Notify all buyers that you have received multiple offers. Set a deadline for them to submit their highest and best terms. This often results in stronger offers and better terms for you. 5. Weigh Risk vs. Reward A cash offer with fewer contingencies may be safer than a higher-priced offer with many conditions. Consider the likelihood of each buyer securing financing and closing on time. 6. Don’t Overplay Your Hand Be respectful and transparent—buyers can walk away if they feel pressured or treated unfairly. Work closely with your REALTOR® to communicate clearly and avoid legal missteps. 7. Make Your Decision and Move Quickly Once you select the best offer, sign and return the contract promptly. Notify other buyers courteously that you’ve accepted another offer. Quick Tips for Sellers Highlight your home’s strengths in all communications. Keep documentation of all offers and correspondence. Consult your REALTOR® for expert advice on negotiation and compliance with Texas laws. Handling multiple offers the right way can boost your sale price and ensure a smooth closing. With a strategic approach, you’ll turn a competitive situation into a winning outcome for your home sale. Selden Tual Rogers Healy and Associates Real Estate

Tax Implications of Selling Your Home in Texas When selling a home in Texas, sellers benefit from the fact that Texas does not impose a state capital gains tax on property sales. However, sellers are still responsible for federal capital gains tax, which is levied on the profit made from selling the property if it exceeds certain thresholds. Federal Capital Gains Tax Rates Federal capital gains tax rates depend on: How long you owned the home Your income level and tax filing status Long-term capital gains tax applies if you owned the property for more than one year, with rates of 0%, 15%, or 20% based on taxable income brackets for 2024 and 2025. For example, in 2025, single filers with taxable income up to $48,350 pay 0% on long-term gains, incomes from $48,351 to $533,400 are taxed at 15%, and incomes over $533,401 at 20%. Short-term capital gains tax applies if you owned the asset for one year or less; gains are taxed as ordinary income at rates up to 37% depending on your income bracket. Primary Residence Exclusion Texas sellers can benefit from the home sale exclusion, exempting up to $250,000 in capital gains for single filers or $500,000 for married couples filing jointly, provided: The home was your primary residence for at least 2 of the last 5 years before the sale. You have not claimed this exclusion on another home sale within the past two years. This exclusion often eliminates capital gains tax liability for many Texans selling their primary home. Other Tax Considerations in Texas Texas does not charge state capital gains tax, allowing sellers to keep more compared to states with additional state taxes. Other taxes to consider may include transfer taxes or inheritance taxes, but Texas has no state transfer tax on real estate sales. Proper tax planning with professionals is recommended to navigate federal obligations and potential strategies, such as 1031 exchanges for investment properties to defer gains. Summary Tax Aspect Details State Capital Gains Tax None in Texas Federal Capital Gains Tax 0%, 15%, or 20% long-term rates based on income and filing status Short-Term Gains Tax Taxed as ordinary income up to 37% Primary Residence Exclusion Up to $250k (single), $500k (married) if owned and lived in home 2 of last 5 years Other Taxes No Texas transfer tax, but consider other potential taxes By understanding these rules, Texas sellers can plan their sale and tax strategy to maximize net proceeds and comply with federal tax laws. Selden Tual Rogers Healy and Associates Real Estate

The Dallas real estate market in 2025 is shifting toward a buyer’s market after years of intense competition and rising prices. Understanding current trends will help buyers and sellers make informed decisions in this evolving environment. Increased Inventory and Buyer Advantage Dallas-Fort Worth has seen a 53% surge in housing inventory in early 2025, with listings reaching levels not seen in over a decade. This oversupply creates more options for buyers and shifts negotiating power away from sellers. In March 2025, 66% of homes in the region sold below the list price, signaling opportunities for favorable deals. Price Adjustments Across Market Segments While luxury home prices remain resilient, entry-level and mid-tier homes have experienced price corrections ranging from 3% to 12%. This adjustment can help first-time and move-up buyers access homes more affordably in desirable neighborhoods. Market Activity and Days on Market Homes in Dallas currently spend about 49 days on the market on average, up slightly from previous years. The higher inventory means buyers can take more time making decisions without fearing multiple competing offers, providing a less pressured buying experience. Mortgage Rates and Economic Fundamentals Mortgage rates have eased slightly to around 6.5%, encouraging buyer activity. Strong regional employment growth and population expansion continue to support demand, preventing a market collapse while providing balance between buyers and sellers. What Buyers and Sellers Should Do Buyers should take advantage of the increased supply and negotiating power by getting pre-approved and working with local agents familiar with micro-market trends. Sellers should price homes competitively and be prepared for longer market times and potential negotiations. Dallas’s real estate market in 2025 presents both challenges and opportunities. Staying informed about inventory, pricing, and economic shifts will empower buyers and sellers to make confident moves in this dynamic market. Selden Tual Rogers Healy and Associates Real Estate

Are Dallas buyers getting record inventory—and why is fall 2025 the best time to buy? Dallas buyers now have the largest selection in over a decade, with negotiating power at its peak—fall 2025 brings falling prices, high inventory, and true buyer leverage across the metroplex. Fall 2025 in Dallas: Why Buyers Have Real Leverage You’ve heard it everywhere: “It’s a buyer’s market in Dallas.” But in fall 2025, that’s not just hype—it’s clearly reflected in the data, the housing inventory, and current market trends. If you’re planning to buy in Dallas, TX, this season may be the best window for maximum options and bargaining power. Housing Inventory Surge: The Numbers That Matter Active listings have reached nearly 32,000—up about 60% from 2017 and the highest since 2011–12. This week alone, 3,400 new listings hit the market, versus 2,149 homes going under contract—there’s more supply than demand. Price decreases outpace increases nearly 9 to 1: 5,371 listings dropped prices, while only 608 raised their ask. What does this mean for you? The flood of available homes and frequent price drops put you in the driver’s seat for negotiation. In about two-thirds of transactions, homes sell below their original list price, giving buyers space to demand concessions and secure better deals. Status Count New Listings 3,400 Price Decreases 5,371 Pending Sales 2,149 Expired Listings1,514 Beyond the Numbers: Why Timing Matters Fall has always been a strategic season for home shoppers—but this year, the combination of high inventory, longer days on market, and motivated sellers is creating a rare “perfect storm” for Dallas buyers: Days on Market have jumped 30%, with homes now sitting an average of 53 days—up to 73 days in some counties. Sellers are more flexible, often accepting offers 5% below list price. With inventory at nine months’ supply for new construction homes—up from 7.5 last year—builders are offering incentives like closing cost credits and rate buydowns. Negotiation Power: Your Best Advantage Now You can: Tour multiple homes before deciding Insist on inspection and appraisal contingencies Ask for repairs, upgrades, or closing concessions Target value-rich areas like Collin, Denton, and Rockwall Counties Sellers in fall are often extra motivated by the desire to close before the holidays. That translates to smoother closings and more willingness to negotiate—especially for homes that have sat since summer. Why Waiting May Backfire Mortgage rates are trending downward, currently at 6.5%. The Fed is widely expected to cut rates soon, which could push them even lower. But here’s the catch—when rates finally hit 6%, an estimated 5.5 million households could afford median-priced homes nationwide. That would bring a rush of buyers and erase much of today’s negotiating advantage. With prices cooling (down 3.4% year-over-year in Dallas County and up to 12% in pockets like Princeton), current conditions favor you, the buyer. If rates drop too far, renewed competition could drive prices up and reduce your leverage. Key Buyer FAQs for Dallas Fall 2025 Q: Do homes sell faster or slower right now? A: Homes are taking longer to sell, with average days on market up 30%, giving buyers more time and flexibility to make decisions. Q: Are prices still going up? A: Price growth is cooling—entry and mid-tier homes are declining moderately year-over-year, with luxury areas more stable. Q: Should I wait for even lower rates? A: Waiting carries risks: when rates hit 6%, competition may spike, reducing your choice and ability to negotiate.External Resources Zillow: Dallas, TX Housing Market Data Freddie Mac: Latest Mortgage Rates Newsweek: Dallas Market Turns as Inventory Surges Your Next Steps: Seize the Perfect Window If you’re considering buying in Dallas, TX, fall 2025 might be your moment. With record listings, more bargaining power, slower sales, and cooling prices, conditions favor smart buyers ready to act. Don’t wait for crowded bidding wars—schedule your showings and move fast to take advantage of this rare opportunity.