Not having Prop 13 and not know where you are posting from, what is Prop 13?

edit: apparently, it's some sort of limiting of property tax. yes, texas does not have that, as property tax and sales tax are the only taxes. no state income tax has its pros/cons. it's part of being a texan to annually challenge your homes appraisal value. the only time i've ever had an issue with property tax was my first home when i was 21. it was new construction, so for the first year of the loan, the value was based on the unimproved lot. the next year, escrow doubled because they updated to the new value with the house, and needed to double dip to cover the difference from the previous year. more than doubled the payment. hard lesson to learn.