These Six New Texas Laws Are Insane (In A GOOD Way)!

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Six new Texas laws just passed — and they quietly reshape the rules of homeownership for buyers and homeowners across Dallas–Fort Worth and the entire Texas housing market.

Some affect who can buy a home in Texas.
Some affect how much you’ll pay in property taxes.
Some determine how fast squatters can be removed from your home.
Others impact insurance payouts, HOA transparency, and long-term tax policy.

If you’re planning to buy a home in Dallas, Frisco, McKinney, or anywhere in DFW, these changes matter more than you might think. These new Texas laws affect several parts of homeownership including foreign ownership restrictions, capital gains protections, property tax exemptions, insurance claim disputes, squatter removal laws, and HOA transparency requirements.

Many cautious Dallas buyers are already asking questions like:
Are new Texas laws going to affect who can buy homes in Dallas?
Did Texas just ban foreign buyers from purchasing homes?
Will fewer buyers in Dallas reduce housing demand?
Did Texas actually lower property taxes or just change the homestead exemption?
How much money does the new homestead exemption really save homeowners?
Are insurance companies now required to pay more fairly on claims?
What is the new squatter removal law and can homeowners really remove someone within 24 hours?
Can HOAs still charge huge resale certificate fees when you sell your house?
What does the new Texas capital gains protection mean for homeowners and investors?

In this video, I walk through six major Texas laws that just took effect and explain what they could mean specifically for the Dallas housing market.
We cover:
• The new foreign ownership restrictions under SB 17 and how they may reduce certain buyer pools in Dallas
• The constitutional ban on state capital gains taxes and why Texas is doubling down on long-term capital preservation
• The expanded homestead exemption and tax compression rules affecting property taxes starting in 2025
• New insurance appraisal protections that may help homeowners challenge underpaid claims
• The 24-hour squatter removal mechanism under the Castle Doctrine reforms
• New HOA transparency laws that limit resale certificate fees and require governing documents to be publicly available

0:00 – Six New Texas Real Estate Laws (2026)
An overview of the fundamental shifts in property ownership, taxation, and resident rights. Why the OnTrack Realty "Preparation First" process is critical for these changes.

0:43 – SB 17: The Foreign Advisory Property Ban
Analyzing the ban on property acquisitions for individuals and entities from designated national security threat countries.

1:40 – Impact on H-1B Visa Holders in Dallas
Why the exclusion of H-1B visas from SB 17 exceptions reduces the buyer pool in tech and medical sectors, giving local buyers a strategic advantage.

4:06 – SJR 18: Constitutional Ban on Capital Gains Tax
Texas as a long-term capital preservation state. Understanding the new constitutional prohibition on state taxes for realized and unrealized gains.

6:05 – Realized vs. Unrealized Gains: The Property Tax Trap
The legal distinction between Ad Valorem Tax and Capital Gains. Why SJR 18 includes a "protection clause" for existing property tax structures.

7:16 – The Property Tax Shield: Homestead Exemption Increases
Details on the $140,000 school district exemption and the $200,000 "Senior Stack" protection under SJR 2 and SB 4.

8:18 – Property Tax Compression & The 2.5% Revenue Ceiling
How HB 3 and SB 4 fight "Taxation by Inflation" by forcing school districts to lower tax rates when property values spike.

11:01 – New Insurance Claim Laws: The Equity Protection Tool
Using mandatory binding appraisal provisions (SB 458) to protect your home’s cash equity during insurance disputes.

13:10 – Mandatory Credit Updates & Government Act Protections
New requirements (SB 1644) for insurers to adjust premiums based on credit score improvements and protections against "punishment premiums."

14:08 – SB 1333: The 24-Hour Squatter Removal Law
How the Castle Doctrine now treats squatting as criminal trespass, allowing for immediate removal via sworn affidavit without a 3-month eviction process.

17:05 – HOA Digital Sunlight & Fee Caps
Transparency mandates for HOAs, including public website requirements and the new $375 legal cap on resale certificate fees.

19:16 – The Future of Texas Property Taxes
Closing thoughts on the movement to abolish property taxes and how to navigate current systems for financial efficiency.


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*All stats, data, house pricing, and anything else mentioned is always subject to change and is provided as an example at the time of this recording*