22 min read Mar 01, 2022

How to Sell a House By Owner in Texas (2022 Update)

✍️ Editor’s Note: Houzeo is America’s most advanced For Sale By Owner platform. Almost $3.5 billion worth of properties were listed by home owners on Houzeo.com in 2021. This guide summarizes how to sell a house in Texas by owner (without a realtor) based on our expertise.

How to Sell a House By Owner in Texas

As per Zillow, the home values in Texas have spiked by 20.9% in the last 1 year. Also, the average realtor commission in Texas averages somewhere between 5.5-6%. This means that if you sell a house for $350,000 in Texas, then you need to spend approximately $21,000 on the realtor(s) fees. That’s quite a considerable amount for the seller!

» In this guide, we’ll cover:

How to Sell a House By Owner in Texas

1. Understand the Risks & Benefits of Selling Your House Without a Realtor in Texas

Texas is one of the top states to sell a house due to high demand. A house for sale in Texas attracts a decent number of home buyers and investors owing to the comparatively low prices as far as middle-tier homes are concerned. The closing requirements in the state are a bit complicated but can be easily handled by Title and Escrow companies.

✍️ Note: The real estate market of Texas is expected to grow in 2022 with a forecast of more properties getting listed.

Key Benefits of Selling Your Home in Texas By Owner

Savings on commissionBy selling your house without a realtor in Texas (or By Owner), you can save 5%-6% commission. As per iBuyer.com, the average realtor commission in Texas is close to 5.7%.
Speed to marketFSBO listing websites like Houzeo can help you list your home within 24-48 hours or even less. The average listing time on Houzeo is within a day.

👉 Explore: Houzeo Reviews: Home Selling made easier with Houzeo.com!
Control over transactionBy transacting directly with the buyer’s agent or the buyer, you have complete control over the process with fewer hindrances.

Key Risks of Selling For Sale By Owner in Texas

Risk of hidden feesMost Texas-based Flat-Fee MLS and FSBO companies are notorious for their hidden fees. They are not upfront and can cost you much more than you can think.
Customer serviceBe sure to read the reviews to know how an FSBO company’s customer service is. This is important so that you have the resources when in need.

⭐ Houzeo has been rated 4.9 stars on Google & Trustpilot.
Whether help is available?Selling your own home in Texas by owner can be a bit complicated. But, this should not affect the sellers as there are many helping options available (Flat Fee MLS or pure agent) for assistance.

Understanding Texas’ real estate laws and processes could be difficult. Before answering questions related to how to sell your own house in Texas without a realtor, let’s take a look at some of the state laws and regulations:

Texas FSBO Overview

Level of Difficulty for FSBOs?Average
Real Estate Attorney Required?Not required
Required State Disclosures (More)– Federal Disclosure of Information on Lead-Based Paint and/or Lead-Based Paint Hazards
– Seller’s Disclosure Notice
– Flood Zone Statement…and more
FSBO Yard Sign Allowed?Yes
Competitive Buyer Agent Commission2.9% (on an average)

Top For Sale By Owner (FSBO) Websites

A thorough comparison between the best in the business

Start Your FREE Listing NOW!

2. Get Your House Ready for Sale in Texas By Owner

Whether it is Texas or any other state, you need to take care of certain important factors while selling your own home in Texas as an owner. Here is what you need to do:

Declutter & DepersonalizeDecluttering and depersonalization can greatly impact the selling process. While decluttering makes the house look tidy, depersonalization can convince the buyers to see the home as their own in the future.
RepairsIt is always beneficial to get the repairs done wherever necessary before selling the house. Repairing important appliances, bathrooms, kitchens, etc. can create an impact on the buyers and get them interested in the deal.
Neutral ColorsPainting the home neutral brings out the transparency that buyers require to imagine what their future home will look like.
StagingSellers can hire a professional who has very well mastered the art of staging. Proper staging can make the buyer understand how to manage the new home and how to utilize space. The staging may cost you anywhere between $2000-$3500 in Texas.

3. Different Disclosures For Selling Your Home By Owner In Texas

You need to take care of the following disclosures when selling a home by an owner in Texas:

Seller’s Disclosure NoticeA disclosure document that states any known issues in the house including appliances and any other systems.
Lead Paint DisclosureSpecifically for homes that were built before 1978. Federal law requires the seller to disclose any dangers related to lead-based paint.
Flood Zone StatementA buyer’s lender may require the concerned property’s flood risk report before providing the loan. This could be important in mortgages that are backed by the federal government.

» More: Seller Disclosure Requirements in Texas

4. Price Your Home Competitively

As an owner, pricing your home competitively (as per the market trends) is an important step. The market trends are different for different states and thus a seller needs to be aware of the state prices in which he/she is selling the property.

REMEMBER! The purpose of the LIST PRICE is to ATTRACT BUYERS to your listing. It’s not your SALE PRICE!!!

What happens if you under-price or over-price your listing?

Pricing too lowSelling your own home at a low price will fetch more buyers. As a seller, you will always have an option to choose the highest and the best option. However, you may need to counter an offer and negotiate with the buyer for the best price.
Pricing too highThis will attract less traffic and you may be forced to lower your list price. Accordingly, you may still be selling your house as per the market price.

With Zillow and Redfin, you can easily create Comparative Market Analysis (CMA) that will answer a lot of questions related to how to sell a house by an owner in Texas.

» More: How to Price Your Home For Sale in 6 Steps

5. Create A Description of Your Property

After pricing your home competitively, you need to add the description of your house to the listing. The description should be attractive enough to lure the buyers and should also be state-centric. You can add unique features of your house or any historical significance while selling your own home in Texas.

You can also add any details about the renovations done to your property. Things like, ‘when the renovation was done?’, ‘What was included in it?’ and ‘What was the cost incurred?’ Any such description will help the buyers in having a holistic view of the property.

In Texas, you may want to list – backyard amenities, architectural style, energy efficiencies, property tax rates, and any other important features. Consider what are the most important ones for Texans!

6. What is the Right Time to Sell a House By Owner in Texas?

Time to sell is as important as other factors for selling a house. For Texas, June is considered to be the best month for buying and selling properties. The annual sale-to-list ratio is high during June and deal closure happens much more quickly when compared with other months.

7. Find Ways to Market Your Home

Almost 95% of buyers rely on the web to search for their next home. Thus, being online is the #1 priority for sellers. A good online marketing strategy can make a difference in getting your house sold.

Here are some of the marketing tactics that can guide you on how to sell a house by an owner in Texas. These strategies apply to other states well.

Sr. no.Marketing TacticDescription
1.List on the MLSHomes listed on the MLS sell faster and for 17% more. That doesn’t mean you need to hire a listing agent or pay that extra commission. Craft appealing listing descriptions to entice potential buyers. Use a for sale by owner website to list your home and offer a competitive buyer agent commission. That’ll have you in good stead to get top-dollar for your property.

✍️ Pro Tip: Research the best For Sale By Owner websites before picking one
2.Get a Yard SignDo not get a “FOR SALE BY OWNER” yard sign. FSBO yard signs have a negative association. Additionally, it’ll limit your options because MLS’ will not allow them. Instead get a “FOR SALE” yard sign, preferably with your phone number on it. Houzeo custom yard sign is $49 only, and it’s FREE with a selfie!

✍️ Pro Tip: If you secure a buyer from a yard sign, chances are you’ll save on the Buyer Agent Commission as well. Well worth the $49 investment.
3.Share your listing on social mediaShare your Houzeo listing on social media. It includes your contact info. If you share Zillow or Redfin listings, all the leads your listing generates will be sold to paying Buyer Agents who’ll demand a competitive buyer agent commission. Houzeo doesn’t sell your information or leads. All buyer leads see your contact info, so you might save the buyer agent commission.

✍️ Pro Tip: If you secure a buyer from social sharing, chances are you’ll save on the Buyer Agent Commission as well.
4.Hire a professional photographerAs a seller, you can hire a professional photographer to create a portfolio of your house. Professional pictures can greatly impact the selling process by attracting more buyers.

✍️ Pro Tip: Professional photographer can collate a portfolio that otherwise may not be possible if you are taking up the job.
5.Run adsIf you are selling your house without a realtor in Texas, you may also want to run ads on print and social media.

✍️ Pro Tip: Try to cover as many social media channels as possible to initiate ads for your listing.

▶️ Case Study: Paige Zukowski saved $11,000 selling through FSBO

8. Manage Showings

Selling a house without a realtor requires the seller to communicate the showing times with the prospective buyers/buyer agents. But, this can be a tedious task to manage. As a solution, sellers can use a showing management tool to manage the showing times of their listing and be on top of the process.

Houzeo Showings, a cutting-edge solution by Houzeo, helps buyers and buyer agents to choose a particular showing slot as stated by the seller. The tool also provides features like rescheduling, updating, canceling, requesting, and more.

Sr. no.FeatureDescription
1.Home Sellers Can Set Their Showing CalendarBuyers and buyer agents should only be shown times when the property is available for showing. This saves the time spent in correspondence of all parties.
2.Buyers & Buyer Agents Can Request & Reschedule ShowingsIt’s critical that buyers and buyer agents can request showings at available times. Things do change sometimes, so they should be able to reschedule and cancel showing requests as well.
3.Buyers & Buyer Agents Can Provide Feedback on the ListingFeedback from Buyers and Buyer Agents is critical for home sellers. It allows them to assess if their property is priced too high, the backyard needs fencing, or the door lock was too difficult to open. If the property is on a major street, there’s nothing the home seller can do about it. But where the feedback is actionable, small remedies can go a long way in improving showings and attracting top dollar for your property.

🗓️ Houzeo Showings has all these features and is available on the Houzeo mobile app!

Introducing the Houzeo Mobile App!

  • View yourlisting
  • Review and compare offers
  • Counter an offer
  • NEW! Buyers can now search your property and save it in “Favorites”

Start Your FREE Listing NOW!

9. Negotiate Offers for Selling Your Own Home in Texas By Owner

As FSBO, you are selling a house without a realtor. The basics of what to do when you get offers remains the same though – Accept, Decline, or Ignore the offers (not recommended). We suggest you review the offers on all their merits, and never ignore an offer. Even if it’s a low-ball offer, you should counter with what you would accept. Where you are sure you don’t want to counter or accept, just politely decline.

There are two advanced tactics in every real estate agent’s arsenal i.e. countering an offer, or calling for the highest & best offers. While selling a house by an owner in Texas or any other state, you need to learn these 2 tactics.

Most companies will give you complex forms to counter an offer, or to request the highest & best one. Houzeo has digitized these, so, you can counter or ask for the highest & best with just a few clicks! That’s selling a house by the owner made easy.

#Advanced TacticWhen to UseHow to Use
1.Counter an OfferSingle or Multiple Offer SituationYour best offer is not just the highest one but is also competitive across several parameters: deposit, financing, inspection contingency, closing timeline, etc. When you want to counter an offer, you can request any of the mentioned parameters updated as per your preferences.

▶️ Learn more: How to counter an offer on Houzeo.com
2.Request Highest & Best OffersMultiple Offer SituationIf you have multiple offers and a timeline by which you’d like to pick an offer, you can call for Highest & Best offer from all the interested parties.

▶️ Learn more: How to request Highest & Best offer on Houzeo.com

Likewise, negotiating offers means focusing on other factors like contingencies, concessions, responsibility, and more.

It should be noted that negotiating offers during a home sale is inevitable. With the slightest change comes the massive paperwork update, signatures, due diligence, and much more. This is where Houzeo can be useful. Being a 100% online platform, Houzeo updates the changes across the paperwork seamlessly and digitally, cutting back on efforts and saving time in every update.

💰Incredible Technology, Incredible Savings

Houzeo’s technology makes FSBO easy by giving you access to tools only agents have
Learn more

10. Take Care of Appraisals and Inspections

A money/mortgage lender typically goes for a home appraisal to identify what is the appropriate value of a particular property. Based on the outcome by licensed appraisal agents, the lender decides the amount that should be part of the mortgage. This is crucial while selling your own home in Texas by owner (or any other state) as it keeps the buyer protected from the unwanted sale prices.

Inspection is also part of the process where licensed individuals scan the property for any issues. If there are defects, re-negotiations might take place between the seller and the buyer. Consulting a real estate agent may be a good option for the seller to take care of these processes.

11. How to Handle Closing in Texas?

Selling your house without a realtor in Texas means you’ll need to be prepared when it comes to paperwork and legalities. Even though your closing attorney or title agent will handle most of the legal work involved in a property transfer, you do have several obligations. Here’s how to prepare for your closing day.

» More: Paperwork for Selling a House By Owner in Texas (Without a Realtor)

Review Your Closing Documents in Advance for House Sale in Texas

Closing documents should generally be available to you in advance of the scheduled closing date. Review these documents at length and understand their provisions. Here are some key documents you’ll likely sign at closing (it is always advised to consult an attorney).

The HUD-1 or Closing DisclosureWhen homes are purchased with a mortgage, you’ll summarize the detailed costs in the Closing Disclosure.
If your sale is all cash, you may get the HUD-1, which is less common. These documents detail amounts you’re charged for, your loan payoffs if any, and the net proceeds you will take to the bank. Depending upon how much equity you have in the property, you may need to bring a check (or send a wire) on the closing date. Also, ensure there are no typos in your name, address, property address, bank info, and other details. Then review every amount and the totals to ensure there are no mathematical errors or inadvertent costs.
The DeedThis document enables the legal transfer of title from the seller to the buyer. Read this document carefully, verifying all details including the legal description of the property, the deed book, the deed book page, and the Property Identification Number (PIN), if any.
Statement of Closing CostsThis statement summarizes all the expenses involved in the transaction. The document is not complicated and can easily be taken care of.
Certificate of TitleIt allows you to state that you have the right to sell the property.

The below table showcases some more documents that are required in selling a house by an owner in Texas:

Bill of SaleInformation about the seller and the buyer with the selling price. This is important as part of the process of selling a house in Texas because it contains all the base information about the property.
Loan PayoffIn the case of a mortgage, you need to provide proper documentation if the disbursement of the loan amount has been completed. Else, you need to provide how much you still owe.
HOA formsIf the house is part of HOA, the seller needs to give the buyer all the documentation on restrictions, fees, financials, and more.
Survey papersThe documentation defines the location and the dimensions of the property. This is important while selling your own home in Texas by owner.
Home InspectionContains all the details about the inspection of the property.
Repairing ProofWhile selling a house in Texas, if the seller has made repairs to the property before the sale, he/she needs to furnish the relevant documentation.
Home WarrantyContains all the coverage of the property, time span, and cost.
Power of AttorneyIf the property is inherited, then the seller needs to furnish the details of the history and how the property was passed onto him/her.
Closing DisclosureProof that the seller agreed to buyer concessions. The disclosure is provided to the lender.
AffidavitsA seller will need to provide a few affidavits like name affidavit, non-foreign, etc. This may also include affidavits like “Affidavit of Title” which discloses that you are the rightful owner of the property and that there are no liens on the property.
Correction AgreementIn case there are any errors in the documentation, you may be required to correct those errors.

Ask Questions

If you have decided about selling your own home in Texas or any other state, you can schedule an appointment with the closing agent before the date of the closing. Also, before that, do your research and clarify your doubts in the meeting. If you are already prepared for how to sell your home by owner in Texas, it will make a huge difference.

Bring TWO Forms of Official ID

There will likely be a licensed notary involved in the closing process who’ll require you to swear on your identity. You would be required to furnish identity proof (like passport, driving license, or any other authorized document) during the process. However, the closing process might also require you to produce secondary identity proof.

Closing documents are legally binding agreements. Make sure that you keep the paperwork for selling a house by owner in Texas error-free. Also, any discrepancies can derail your sale and you may be forced to re-list your house. Not only this, if you are stuck with wrong paperwork, it can also severely impact the closing cost.

» More: Closing cost calculator for Texas

12. Awareness of the Overall Costs While Selling a House in Texas

It should be noted that realtor commission and sale price are not the only two things that are involved from a real estate transaction perspective. In Texas, there are multiple other fees involved while selling a house that should be known to a seller and is crucial for a sale. Here’s a list to get you started:

Note: The list will also help the seller in getting an answer to the question – How much will it cost to sell a house in Texas?

Transfer TaxThere is no Transfer tax in the state of Texas.
Title InsuranceTitle insurance protects the buyer in case an important chain of title ownership is missed by the Title agent/company that could cause issues later. The premium can be paid by either seller or buyer based on the negotiations.

In Texas, the Title insurance is approximately 0.5% of the sale price.
Home WarrantyA seller may go for a home warranty if some components of the home (water heater, air conditioner, fans, etc.) require attention. This will benefit buyers in case a component of the home breaks down later.
Survey FeesA survey of the property is generally carried out before the purchase deal. It includes all the features related to the property.
Attorney FeesThis fee is optional as it is not required to hire a real estate attorney in Texas but is highly recommended. A real estate attorney can help you with the documentation and other closing processes.
Other CostsApart from the stated costs, multiple other costs are involved to sell a home in the state of Texas These can be local fees related to stamp taxes, recording fees, estoppel fees, and any other as imposed by the city/county. Apart from these, there can be fees to prep your home, relocation fees, and more.

How Much Will You Make by Selling a House in Texas?

The amount of money you will make after selling your house depends on a lot of factors such as the cost of repairs, taxes you need to pay, closing costs, etc.

You can calculate your overall cost using Houzeo’s Advanced Closing Cost Calculator. The calculations are based on the latest prices and it gives you a very detailed estimate of all the costs involved in the transaction.

» More: Still wondering how to sell a house by an owner in Texas? List it on MLS FSBO

Final Word on How to Sell Your Own Home in Texas By Owner

Here is what the picture looks like for a seller selling a house without a realtor in Texas:

Minimum Service State1Yes (The agent should present offers to and from the client and also answer any client questions)
Seller Disclosures ComplexityAverage
Closing Process ComplexityAverage

1 Minimum Service State defines that a real estate agent needs to deliver at least some basic services to the seller in that state.

So, summarizing the answer to the question – how to sell a house by an owner in Texas?

Considering the search volume of houses for sale in Texas, it will not be wrong to say that the real estate market is booming in the state. Selling your house without a realtor in Texas is not much complicated when compared to the process in the states like Florida, California, etc.

Still, a seller will need to be aware of processes and paperwork for selling a house by an owner in Texas. Ultimately, you will have to be on top of things to close the deal and may require professional help.

Though FSBO is one of the methods to save realtor commission, it still is not the preferred selling method. Home sellers either go for an agent’s help or via the Flat Fee MLS route to sell their property. Let’s compare selling a house via an agent and via Flat-Fee MLS by the owner. This data will help understand which is the best way to sell a home.

Note: The comparison is generic and applies to all the states.

This is where Houzeo can help. With Houzeo, you have the option to list your property as an owner and enable a smooth closing process. You do not have to worry otherwise about complex processes as the platform is 100% online.

Houzeo will help in listing your property on the MLS at a flat rate and take care of tasks that otherwise would require manual intervention. An important observation is that due to platforms like Houzeo, the real estate agent’s commissions are declining. This is because of the Flat Fee MLS structure that has been a revelation and has helped thousands of sellers.

Check out some of the Houzeo reviews and how it has helped customers around the US.

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Frequently Asked Questions (FAQs)

What's FSBO?

FSBO, or For Sale By Owner, as the name suggests, is a term used for selling of house by the owner himself and without any help from agent.

Is MLS needed to sell For Sale By Owner?

Absolutely! MLS is by far the most important tool a real estate agent can provide you. The US Department of Justice says that home sellers can save $6,200 on the sale of median-priced homes by choosing innovative services like MLS-only packages offered by brokers on Houzeo. If your home is more expensive – it’s much much more than that!

Is Texas minimum service state?

Yes, Texas is a minimum service state.

What is the average realtor commission rate in Texas?

The average realtor commission rate in Texas varies between 5-6%.

What are some of the Required State Disclosures in Texas?

Federal Disclosure of Information on Lead-Based Paint and/or Lead-Based Paint Hazards, Seller’s Disclosure Notice, Flood Zone statement..and more

What are the steps to get my home ready for sale in Texas?

(1) Declutter & Depersonalize:
(2) Make repairs.
(3) Repaint Neutral
(4) Improve Curb Appeal.

How do I list my home for sale in local MLS in Texas?

First, log in to Houzeo using your e-mail, Facebook or google plus account. Click “Sell a Property” on the dashboard and fill out the address. Select a listing pan and Houzeo’s IntelliList Management System will make listing home easy and quick for you. Upload photos set a price, and sign your MLS contracts—it’s that easy, and your home will be listed on the local MLS in no time.

How long does it take to get my listing on the MLS in Texas?

It takes 1-2 business days. In the case of Houzeo, after you’ve submitted your property info and all other details, your home will go live on the same day or the next business day. The MLS system will manually enter the listing that takes extra two business days to process and activate.

What documents do I need to sell my house without an agent in Texas?

You will need the following documents when selling your own home in Texas by owner:
(1) The HUD-1 or Closing Disclosure
(2) The Deed
(3) Statement of Closing Costs
(4) Certificate of Title
(5) Bill of Sale
(6) Loan Payoff
(7) HOA forms
(8) Survey Papers
(9) Home Inspection
(10) Repairing Proof
(11) Home Warranty
(12) Power of Attorney
(13) Closing disclosure
(14) Affidavits
(15) Correction Agreement

What do I need to bring during closing?

Before the closing, make sure to prepare two forms of official ID. Use a valid driver’s license or passport—and a secondary as well, just in case. There will likely be a licensed notary who will need you to confirm your identification.

Can I sell my house in Texas without a realtor?

Yes, you can sell your house without a realtor in Texas by using the FSBO process. Though you will save on realtor commission via this route, you will have to put in a lot of time and effort. Having a professional by your side will ease out the selling process.

How to sell a property by owner in Texas?

You need to follow the following steps while selling your house without a realtor in Texas: 1) Understanding risks and benefits of selling as FSBO, 2) Getting your house ready, 3) Understanding disclosures in the state, 4) Competitive home pricing, 5) Describing property, 6) Right time to sell in the state, 7) Marketing your home, 8) Manage Showings, 9) Negotiating offers, 10) Appraisals and Inspections, 11) Handle closing, and 12) Taking care of overall costs.

Do I need an attorney to sell my house in Texas?

No, you don't need an attorney to sell a house in Texas.

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