Quick Answer
Moving to Houston works best with a 90/60/30 day plan. Start researching neighborhoods and your pre-approval about 90 days out. Tour homes and make offers around 60 days out. Handle inspections, movers, and utilities at 30 days out. This timeline keeps you ahead of deadlines and cuts the stress you get from doing everything at once.
You made the call. You are moving to Houston. Maybe the date is set, or maybe you are close enough that you can start planning in months instead of "someday." That is the right place to be. Most moving stress comes from not knowing what to do next. This checklist fixes that.
The checklist breaks down into three phases: 90 days out, 60 days out, and 30 days out. These are not hard deadlines. Think of them as guideposts. If you are closer to 60 days, skip ahead and backfill what you can. If you are at 30 days, you still have time for the things that matter most.
By the Numbers
30-90
Days your pre-approval is valid (60 is the most common default)
30-45
Days to close a conventional home loan in Texas
90/60/30
Day framework for a calm, organized relocation
10-14
Days to close a cash purchase in Texas
35-45
Days to close FHA or VA loans in Texas
What should you do 90 days before your move?
This is the research phase. You are not ready to tour homes yet. That is fine. The work you do now will save you from starting over later.
Pick your area first
Houston covers over 10,000 square miles. The difference between one side and the other can be bigger than two different cities. Start by figuring out where you want to live before you look at homes. The NE Houston area (Kingwood, Humble, Porter, Atascocita) is one of the most livable parts of the city. Strong schools, mature trees, and a pace of life that is hard to find in other suburbs.
Check out the Kingwood neighborhood guide for a deep look at The Livable Forest. Browse all Houston area neighborhood guides to compare each part of the city.
Lock in your location before you house hunt
A lot of buyers think they know where they want to be. Then they see a home online that looks amazing in a completely different area. They fall in love. Then they realize the schools, commute, and community are all wrong for them. They have to restart. Pick a few neighborhoods first. You can always expand later.
Connect with a local agent
A quick talk with a local agent is not a commitment. It is research. An agent who knows the NE Houston area can tell you what is on the market, how fast homes sell, and whether your timeline makes sense. We talk about your priorities. Nothing is sold. You just get a clearer picture.
Let's chatStart the pre-approval process
Pre-approval letters are valid for 30 to 90 days. The most common default is 60 days. That means if you start at 90 days out, your pre-approval will still be good when you are making offers at 60 days out. If you do it too early (say five or six months out), it could expire before you write an offer. A pre-approval can usually be updated fairly easily when it is close to expiring, but you need to stay on top of the expiration date so you do not let it lapse before you are ready to submit an offer. The 90-day mark is still the right time to start.
A pre-approval also tells you your real price range. That clarity makes everything easier, from picking neighborhoods to writing offers. Without it, you are guessing. If you want to estimate your monthly payment before talking to a lender, the Comfort Range Finder works backward from your ideal payment to find the right home price. It accounts for Texas taxes and insurance, so the number is way more realistic than a standard online calculator.
What should you do 60 days before your move?
Now the search gets real. You have your pre-approval. You have your neighborhoods picked. Time to tour homes and make decisions.
Tour homes, narrow your search, and submit offers
Tour a few homes before you make any judgments. What looks great online often feels different in person. You need to reset your expectations. That is normal.
Pay close attention to school zones. Even if you do not have kids. School zoning drives resale value more than almost anything else in Houston's suburbs. Homes in highly rated zones hold value better and sell faster, no matter who is buying.
When you find the right home, your agent will help you craft an offer. In Texas, conventional loans typically close in 30 to 35 days. FHA and VA loans take 35 to 45 days. Cash deals can close in 10 to 14 days. Your agent will match the timeline to your financing type.
If you are buying and selling at the same time, the Move Timeline Planner helps you coordinate both sides so you do not end up with a gap between closings.
What should you do 30 days before your move?
You are under contract. Congratulations. Now the real logistics start. Most of this is handled by your agent and the title company, but a few things are on you.
Handle the inspection and appraisal
In Texas, the option period is typically 7 to 10 days after your offer is accepted. This is your window to get a home inspection and negotiate repairs or credits. A good inspection in the NE Houston area should check the foundation, HVAC, roof, plumbing, and any signs of past flooding.
The appraisal happens during weeks two and three. If it comes in at or above your offer, you are in good shape. If it comes in low, your agent can help you negotiate. For a full breakdown, see what happens after you accept an offer in Houston.
Book your movers
Good movers book up fast, especially in summer. Once you have a closing date, call at least three moving companies for quotes. If you are moving from out of state, long-distance movers need even more lead time. Do not wait until the week before closing.
Set up utilities (do not wait on this)
This is the step people always leave too late. And it always bites them. They wait until the week of the move to start electricity, water, and internet. Internet installation alone can take two to three weeks for an appointment. Do not be that person.
Start utility transfers at least two weeks before closing. You will need to contact CenterPoint Energy for electricity, the local water provider for your MUD or city system, and your internet provider. Most providers let you schedule the start date to line up with your closing. Nothing overlaps. Nothing lapses.
Notify your school, landlord, and employer. Start mail forwarding.
Set up mail forwarding through USPS at least a week before you move. Change your address with your bank, credit cards, insurance, and subscriptions. If you are renting, give your landlord the required notice. If you have children, notify their current school and start the transfer with the new district.
What do you need to do after you move in?
Once you are settled, several Texas deadlines kick in. You get 90 days to update your driver's license. You need to register your vehicle and register to vote. And there is one step that is easy to overlook but saves real money: the Texas homestead exemption. It reduces your home's taxable value by $100,000 for school taxes. That can save you over $1,000 per year.
For a full breakdown on all these deadlines and the homestead exemption filing process, read the Texas homestead exemptions guide.
Frequently Asked Questions About Moving to Houston
When should I set up utilities for my move to Houston?
Start utility transfers at least two weeks before your closing date. Internet installation alone can take two to three weeks for an appointment. Contact CenterPoint Energy for electricity, your local water provider for your MUD or city system, and your internet provider. Most providers let you schedule the start date to align with your closing.
How long is a mortgage pre-approval good for?
Pre-approval letters are typically valid for 30 to 90 days, with 60 days being the most common lender default. If you start the process 90 days before your target move date, the letter will still be valid when you are making offers. Starting too early means it could expire before you write an offer, but a pre-approval can usually be updated fairly easily if you stay on top of the expiration date.
How long does it take to close on a home in Texas?
Texas home sales typically take 30 to 45 days to close. Conventional loans close in 30 to 35 days. FHA and VA loans take 35 to 45 days. Cash purchases can close in as little as 10 to 14 days.
What is the best neighborhood in Houston for my family?
The best neighborhood depends on your priorities: schools, commute, home style, and budget. The NE Houston area (Kingwood, Humble, Porter, Atascocita) is popular for families because of strong schools and outdoor access. Browse the full list of neighborhood guides to compare each area.
What Texas deadlines do I need to worry about after moving?
You have 90 days to update your Texas driver's license. You also need to register your vehicle, register to vote, and file for the homestead exemption (which can save you over $1,000 per year). For a full breakdown of every deadline, see the Texas homestead exemptions guide.
Sources
Closing timeline data sourced from Four19 Properties, LRG Realty, and Neuhaus Real Estate.
Pre-approval validity data sourced from Chase, Rocket Mortgage, and NerdWallet.
About the Author
Diane Hibbs is a Strategic Real Estate Advisor at eXp Realty, License #813481. She serves the NE Houston area including Kingwood, Humble, Porter, Atascocita, and Greater Houston. She brings a calm, structured approach to every relocation.
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