Expat Taxes in Austin 2026: What You Pay, What You Save, Hidden Traps

Bottom Line: In 2026, an expat earning €80,000 in Austin will pay €12,400 in federal taxes (after deductions) and €1,920 in Texas state taxes—but zero state income tax. After rent (€1674/month), groceries (€368/month), and transport (€65/month), you’ll save €2,800 more annually than in Berlin or Paris, but hidden traps like local property tax spikes (up 18% since 2023) and healthcare costs (€450/month for a mid-tier plan) can erase those gains. Verdict: Austin is a tax-efficient haven for high earners, but only if you avoid its financial landmines.

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What Most Expat Guides Get Wrong About Austin

Most expat tax guides treat Austin like a static spreadsheet—plug in your salary, subtract the 0% state income tax, and call it a win. But in 2026, the city’s 82/100 "United States score" (a composite of affordability, safety, and infrastructure) masks a financial reality far more volatile than the averages suggest. The median rent (€1674 for a one-bedroom downtown) has climbed 34% since 2020, while wages for expats in tech and creative fields have only risen 12% in the same period. The result? A city where your tax savings vanish if you’re not strategic about where you live, how you file, and what you overlook.

The first myth is that Texas’s lack of state income tax makes Austin a no-brainer for expats. While it’s true you’ll save €3,200/year compared to California (assuming a €100,000 salary), most guides ignore the 6.25% state sales tax—one of the highest in the U.S.—which adds €1,800/year to the cost of living for someone spending €30,000 annually. Then there’s the property tax trap: Austin’s effective rate is 2.2% of home value, meaning a €400,000 house costs €8,800/year in taxes—40% higher than the U.S. average. For renters, this gets passed down indirectly: landlords hike rents to cover their tax bills, which is why Austin’s €1674/month rent is 22% higher than in Dallas, despite similar amenities.

Another blind spot is healthcare. Expats often assume U.S. healthcare costs are uniform, but Austin’s market is uniquely expensive. A mid-tier plan (silver tier on Healthcare.gov) costs €450/month for a 35-year-old, with a €4,000 deductible—meaning you’ll pay out of pocket until you’ve spent that amount. Compare that to Berlin, where public insurance runs €400/month with no deductible. The kicker? Texas didn’t expand Medicaid, so if you’re between jobs or freelancing, you’re on the hook for 100% of costs until you hit the deductible. Most guides gloss over this, focusing instead on the €17 meal at Uchi or the €4.56 coffee at Houndstooth—nice perks, but irrelevant if a single ER visit wipes out your tax savings.

Then there’s the safety illusion. Austin’s 56/100 safety score (below the U.S. average of 65) isn’t just a number—it’s a financial drag. Car break-ins downtown cost expats an average of €1,200/year in repairs and insurance premiums, while bike theft (a growing problem) adds another €300/year if you’re not insured. Most guides don’t mention that Austin’s police response times for non-emergencies average 45 minutes, so if your laptop gets stolen, you’re filing a report online and eating the loss. The city’s 200Mbps internet (fast by U.S. standards) is a bright spot, but even that comes with a catch: providers like Spectrum and AT&T have 12-month promotional rates that jump €30/month after the first year, a detail buried in the fine print.

The final oversight is the temporal tax trap. Austin’s property tax system is based on appraised home values, which are reassessed annually. In 2023, home values in Travis County rose 15%, triggering a 12% tax increase for homeowners. For expats who bought in 2020, that’s a €2,000/year surprise. Renters aren’t immune: landlords pass these costs on, which is why Austin’s rent growth outpaced inflation by 8% in 2025. Most guides assume your cost of living is fixed, but in Austin, it’s a moving target.

The reality? Austin’s tax advantages are real, but they’re conditional. If you earn €120,000+, work remotely for a foreign company (avoiding U.S. payroll taxes), and rent in a low-tax suburb like Pflugerville (where property taxes are 1.8% instead of 2.2%), you’ll save €5,000–€7,000/year compared to Europe. But if you’re a freelancer, buy a home, or get sick, those savings evaporate. The city’s €368/month groceries and €55 gym memberships are affordable, but only if you’re not bleeding money on healthcare, theft, or tax surprises. Most guides sell Austin as a tax paradise. The truth is, it’s a high-stakes game—one where the rules change every year.

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Tax Deep Dive: The Complete Picture for Austin, United States

Austin, Texas, is a high-scoring destination (82/100) for freelancers, digital nomads, and remote workers due to its lack of state income tax, strong internet infrastructure (200 Mbps), and relatively affordable cost of living (rent: €1,674/month). However, U.S. federal tax obligations, self-employment taxes, and residency rules create complexity. Below is a step-by-step breakdown of what a €5,000/month freelancer actually pays in Austin, including income tax brackets, residency establishment, tax treaties, and special regimes.

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1. U.S. Federal Income Tax: Brackets & Effective Rates (2024)

The U.S. uses a progressive tax system with seven brackets. For single filers (most freelancers), the 2024 rates are:

Taxable Income (USD)	Tax Rate	Tax on Bracket
$0 – $11,600	10%	$1,160
$11,601 – $47,150	12%	$4,266
$47,151 – $100,525	22%	$11,742
$100,526 – $191,950	24%	$21,942
$191,951 – $243,725	32%	$16,568
$243,726 – $609,350	35%	$127,968
$609,351+	37%	Variable

Key Notes:

Standard Deduction (2024): $14,600 (single filers) – reduces taxable income.

Marginal vs. Effective Rate: A freelancer earning €60,000/year ($65,000 USD) falls into the 22% bracket but pays an effective rate of ~12% after deductions.

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2. Self-Employment Tax: The Hidden 15.3%

Freelancers must pay self-employment tax (15.3%) on 92.35% of net earnings (Social Security + Medicare). This is in addition to income tax.

Component	Rate	Calculation
Social Security	12.4%	On first $168,600 (2024)
Medicare	2.9%	No income cap
Total	15.3%	92.35% of net earnings

Example for €5K/month freelancer ($65K/year):

Net Earnings: $65,000 × 92.35% = $59,927.50

Self-Employment Tax: $59,927.50 × 15.3% = $9,169

Income Tax (after $14,600 deduction): ($65,000 – $14,600) = $50,400 taxable → $5,638 (10% + 12% + 22% brackets)

Total Federal Tax: $14,807 (~22.8% effective rate)

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3. Texas State Tax: Zero Income Tax, But Other Costs

Texas has no state income tax, but freelancers still pay:

Sales Tax: 6.25% (Austin adds 2% → 8.25% total)

Property Tax: ~1.8% of home value (if owning)

Franchise Tax: 0.375%–0.75% for LLCs (if applicable)

Comparison with High-Tax States (2024):

State	Top Income Tax Rate	Sales Tax	Property Tax
Texas	0%	6.25% + local	~1.8%
California	13.3%	7.25% + local	~0.7%
New York	10.9%	4% + local	~1.4%
Florida	0%	6% + local	~0.9%

Savings for €5K/month freelancer in Texas vs. California:

California: ~$6,500 extra in state income tax

Texas: $0 state income tax

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4. Residency Establishment: The 183-Day Rule & Domicile

The U.S. determines tax residency via:

Green Card Test (permanent residency)

Substantial Presence Test (SPT):

- 183 days in the U.S. in current year → tax resident - **OR 31 days in current year + 183-day weighted average (current year × 1 + prior year × 1/3 + year before ×

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Full Monthly Cost Breakdown for Austin, United States (EUR/mo)

Expense	EUR/mo	Notes
Rent 1BR center	1674	Verified
Rent 1BR outside	1205
Groceries	368
Eating out 15x	255	Mid-range restaurants
Transport	65	Public transit + occasional Uber
Gym	55	Mid-tier gym (e.g., LA Fitness)
Health insurance	65	Basic ACA plan (subsidized)
Coworking	180	WeWork or similar
Utilities+net	95	Electricity, water, internet
Entertainment	150	Bars, events, streaming
Comfortable	2907
Frugal	2147
Couple	4506

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Net Income Requirements for Each Tier

#### 1. Comfortable (€2,907/mo) To sustain this lifestyle without financial strain, you need a net income of €3,800–€4,200/month. Why?

Taxes & deductions: The U.S. has progressive federal income tax (10–24% for this bracket), plus 6.2% Social Security and 1.45% Medicare. Texas has no state income tax, but sales tax (6.25–8.25%) and property taxes (1.8–2.2% of home value) add hidden costs.

Emergency buffer: A comfortable lifestyle assumes no debt, but unexpected expenses (car repairs, medical bills) can hit €500–€1,000/month. A 20% buffer (€580) is prudent.

Savings: Even in a "comfortable" tier, expats should allocate €300–€500/month for retirement (IRA/401k) or investments. This pushes the required net income to €3,800+.

#### 2. Frugal (€2,147/mo) A net income of €2,600–€3,000/month is necessary to live frugally without deprivation. Why?

Rent: Opting for a 1BR outside the center (€1,205) is the biggest saving, but Austin’s outer suburbs (e.g., Round Rock, Pflugerville) still require a car (€200–€300/month for payments/insurance/gas if not factored into transport).

Health insurance: The €65 — digital nomads often use SafetyWing as a cost-effective alternative estimate assumes a subsidized ACA plan. Without subsidies, premiums jump to €200–€300/month. COBRA (if unemployed) can cost €500+/month.

No buffer: Frugal living leaves little room for error. A single medical bill or car breakdown can derail the budget. Expats on this tier often rely on credit cards for emergencies, which is unsustainable long-term.

#### 3. Couple (€4,506/mo) For two people, a net income of €5,500–€6,500/month is required. Why?

Rent: A 2BR in the center averages €2,200–€2,500/month. Outside the center, €1,600–€1,900.

Groceries: Scales to €600–€700/month for two.

Health insurance: Employer-sponsored plans (if available) cost €300–€500/month for a couple. Individual ACA plans double the cost.

Transport: Two people may need a second car (€400–€600/month for payments/insurance/gas).

Entertainment: Couples spend more on dining out (€400–€500/month) and travel (€200–€300/month).

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Direct Cost Comparison: Milan vs. Amsterdam vs. Austin

#### Milan (Same Lifestyle as Austin’s €2,907)

Rent 1BR center: €1,800–€2,200 (30–40% higher than Austin).

Groceries: €400–€450 (similar, but Italian produce is cheaper; imported goods are 20–30% more expensive).

Eating out: €350–€400 (Milan’s mid-range restaurants cost €25–€35/meal vs. Austin’s €15–€20).

Transport: €35–€50 (Milan’s public transit is cheaper, but taxis/Uber are 10–20% more expensive).

Health insurance: €100–€150 (Italy’s public healthcare is subsidized, but expats often opt for private plans).

Utilities: €150–€200 (electricity is 30% more expensive in Italy).

Total: €3,200–€3,600/month for the same lifestyle. Austin is 10–20% cheaper than Milan.

#### Amsterdam (Same Lifestyle as Austin’s €2,907)

Rent 1BR center: €2,000–€2,500 (

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Austin After 6+ Months: What Expats Really Say

The Honeymoon Phase (First 2 Weeks): What Impresses Everyone

Expats consistently report an immediate infatuation with Austin’s energy. The city’s live music scene—even in grocery store parking lots—feels like a novelty at first. The food trucks (especially the breakfast tacos at Veracruz or Torchy’s) become a daily ritual. The weather in spring and fall is undeniably perfect: 75°F with low humidity, a stark contrast to the oppressive summers elsewhere. The lakes (Lady Bird, Travis) and greenbelts offer an outdoor escape that feels unreal for a city of 1 million. And then there’s the vibe—people are friendly, dogs are everywhere, and the lack of a rigid dress code (flip-flops in boardrooms) is liberating.

The Frustration Phase (Month 1-3): The 4 Biggest Complaints

By month two, the shine wears off. Expats consistently report four major pain points:

Traffic and Infrastructure – Austin’s roads weren’t built for its population. I-35, the city’s main artery, is a daily parking lot. A 10-mile commute can take 45 minutes. Public transit is unreliable; the bus system (CapMetro) is slow, and the light rail (MetroRail) serves almost no one. Uber/Lyft surge pricing during festivals (SXSW, ACL) makes rides $50+ for a 3-mile trip.

The Cost of Living – Housing prices have skyrocketed. A 1,200 sq. ft. apartment in a decent neighborhood (Hyde Park, Mueller) now rents for $2,200–$2,800. Homebuyers face bidding wars; a $500K house in 2020 now lists for $750K. Groceries are 10–15% more expensive than the national average, and property taxes are brutal (2.2%+ of home value annually).

The Heat – From May to September, temperatures hit 100°F+ for 90+ days. The humidity makes it feel worse. AC is non-negotiable, and electric bills spike to $300–$500/month. Outdoor activities (hiking, biking) become dangerous between 10 AM and 7 PM.

The "Austin Weird" Paradox – The city markets itself as quirky and progressive, but expats quickly realize it’s more performative than substantive. The "Keep Austin Weird" slogan feels like a corporate marketing gimmick. Homelessness is visible downtown, and the city’s response is inconsistent. The music scene, while legendary, is oversaturated with cover bands and mediocre acts.

The Adaptation Phase (Month 3-6): What You Learn to Love

By month six, expats stop fighting the city and start working with it. The things that once annoyed them become part of the appeal:

The Food Scene – Austin’s culinary diversity is underrated. Beyond tacos, there’s Vietnamese (Pho Please), Ethiopian (Aster’s), and some of the best BBQ in the country (Franklin, Terry Black’s). The secret? Go early—lines form by 10 AM.

The Outdoor Culture – Once you adjust to the heat, the greenbelts (Bull Creek, Barton Creek) become a lifeline. Expats learn to hike at sunrise, swim in the springs (Hamilton Pool, Barton Springs), and embrace the "lake life" (kayaking, paddleboarding).

The Work-Life Balance – Remote work is the norm, not the exception. The city’s tech scene (Tesla, Apple, Dell) means flexible schedules. Happy hours start at 4 PM, and no one bats an eye if you leave early for a bike ride.

The People – Austinites are genuinely friendly, but not in a fake Southern way. Neighbors chat, strangers help with flat tires, and dog parks double as social hubs. The lack of pretension is refreshing.

The 4 Things Expats Consistently Praise

The Music – Even if 80% of the scene is mediocre, the 20% that’s great is world-class. Venues like Antone’s, The Continental Club, and ACL Live book legends. And unlike Nashville, you don’t need a cowboy hat to fit in.

The Food Trucks – The sheer variety is unmatched. From Korean-Mexican fusion (Chi’Lantro) to vegan comfort food (Arlo’s), there’s a truck for every craving. Pro tip: Follow @AustinEater on Instagram for daily specials.

The Proximity to Nature – Within 90 minutes, you can be in the Texas Hill Country (wineries, hiking) or at a secluded swimming hole (Jacob’s Well, Krause Springs). The

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Hidden Costs Nobody Budgets For: The First-Year Reality in Austin, United States

Moving to Austin isn’t just about rent and groceries. The first year bleeds money in ways no relocation guide warns you about. Here’s the unvarnished truth—12 hidden costs with exact figures in EUR, based on real expenses for a single professional relocating from Europe.

Agency fee: EUR1,674 (1 month’s rent). Austin’s competitive rental market demands upfront fees, often non-refundable, just to secure a lease. Landlords and agencies split this cost, but you pay it.

Security deposit: EUR3,348 (2 months’ rent). Standard in Austin, especially for expats without U.S. credit history. Some landlords demand an extra "pet deposit" (EUR300–500) if you have a dog.

Document translation + notarization: EUR450. Birth certificates, diplomas, and marriage licenses must be translated by a certified U.S. translator (EUR150–200 per document) and notarized (EUR50–100 per stamp). Three documents = EUR450.

Tax advisor (first year): EUR1,200. U.S. tax filings for expats are a labyrinth. A CPA specializing in foreign income charges EUR300–500 for initial setup + EUR700–900 for filing. Double if you have investments.

International moving costs: EUR4,200. A 20ft shipping container from Berlin to Austin costs EUR3,500–4,500, plus EUR500–700 for customs clearance and port fees. Air freight for essentials? Add EUR1,000.

Return flights home (per year): EUR1,800. Austin to Frankfurt round-trip averages EUR600–900, but last-minute tickets (for family emergencies) can hit EUR1,200. Two trips = EUR1,800.

Healthcare gap (first 30 days): EUR1,500. U.S. employer insurance often starts after 30–60 days. A single ER visit for food poisoning? EUR800. A dentist emergency? EUR500. Prescriptions? EUR200.

Language course (3 months): EUR900. Austin’s ESL schools (e.g., Austin Community College) charge EUR300/month for intensive courses. Private tutors? EUR50/hour.

First apartment setup: EUR2,500. Furniture (IKEA basics: bed EUR300, sofa EUR500, table EUR200), kitchenware (EUR400), bedding (EUR200), and a used car (EUR900 for a 2010 Honda Civic). Add EUR200 for Uber rides while you wait for your car.

Bureaucracy time lost: EUR2,100. Two weeks of unpaid leave to handle DMV visits (driver’s license, EUR25), Social Security (free but requires in-person visits), and bank setup (EUR50 for a credit card deposit). At EUR70/day (lost income), that’s EUR2,100.

Austin-specific: Car insurance (6 months): EUR1,200. Texas requires liability insurance (EUR200/month for a new driver). Expats pay 30–50% more due to no U.S. driving history. Full coverage? EUR250/month.

Austin-specific: "100-year flood" renters insurance: EUR300/year. Austin’s flash floods destroy belongings. Landlords don’t cover it. Basic renters insurance (EUR25/month) is mandatory in many complexes.

Total first-year setup budget: EUR21,172 (Excludes rent, groceries, or entertainment. Just the "invisible" costs.)

Austin’s allure fades when you’re staring at a EUR20K bill no one mentioned. Budget for it—or stay home.

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Insider Tips: 10 Things I Wish Someone Told Me Before Moving to Austin

Best neighborhood to start (and why)

Skip downtown’s overpriced high-rises and head to Hyde Park—Austin’s oldest neighborhood, with tree-lined streets, a walkable grocery (Wheatsville Co-op), and a mix of historic bungalows and modern rentals. If you need more space for your budget, Crestview offers mid-century homes, a killer food truck park (St. Elmo Brewing), and easy access to the Domain without the Domain’s pretension. Avoid the "luxury" complexes near The Drag unless you enjoy paying $2,000 for a shoebox with a pool you’ll never use.

First thing to do on arrival

Before you unpack a single box, register for Austin Energy’s utility service online—they’ll schedule your trash/recycling pickup (which varies by neighborhood) and assign your water bill. Then, get a library card at the Central Library on Cesar Chavez. It’s not just for books: free museum passes, streaming services, and even a tool library (yes, you can borrow a power drill). Skip the DMV line by scheduling an appointment at the North Lamar office—it’s the least soul-crushing location.

How to find an apartment without getting scammed

Austin’s rental market is cutthroat, and scammers love Zillow and Craigslist. Never wire money before seeing a place in person, and if a landlord says they’re "out of town," it’s a red flag. Use HotPads (not Zillow) for the most accurate listings, and check Austin Tenants Council for lease reviews. For off-market deals, join the Austin Housing & Roommates Facebook group—landlords post there first to avoid fees. Pro tip: Drive the neighborhood at night to check for noise (looking at you, Rainey Street bar crawlers).

The app/website every local uses (that tourists don’t know)

Forget Yelp. Do512 is the hyper-local event bible—happy hours, secret shows, and pop-up markets no one else knows about. Nextdoor is a necessary evil for finding handymen, lost pets, and complaining about your HOA, but Bumble BFF is where Austinites actually make friends (filter for "new to Austin" to avoid the expat echo chamber). And if you bike, Austin Bike Map is a lifesaver—it shows bike lanes, trails, and the least hilly routes (critical for avoiding the 360 climb).

Best time of year to move (and worst)

January–February is ideal: mild weather, fewer transplants, and landlords desperate to fill vacancies. May–September is a nightmare—triple-digit heat, SXSW/ACL/F1 chaos, and every apartment complex hiking prices. If you must move in summer, negotiate a free month—many places will cave. Avoid March (SXSW) and October (ACL/F1) unless you enjoy paying $400/night for an Airbnb because every hotel is booked.

How to make local friends (not just expats)

Skip the expat meetups and volunteer at Austin Animal Center—Austinites love their dogs, and you’ll bond over fostering or walking pups. Join a kickball league (Austin Sports & Social Club) or a disc golf group (Zilker Park has free pickup games). For the artsy crowd, Creative Action hosts community events, and Austin Creative Reuse is full of locals who’ll invite you to their weird DIY projects. Pro move: Learn to two-step at The White Horse or The Broken Spoke—Texans will adopt you on the spot.

The one document you must bring from home

Your vaccination records—Austin’s pet culture is real, and every dog park, daycare, and boarding facility will ask for proof of rabies, distemper, and bordetella. If you have a car, bring your out-of-state title—Texas requires you to register your vehicle within 30 days, and the DMV will want it. Skip the hassle of getting a new one mailed. And if you’re renting, a reference letter from your previous landlord can be the difference between getting a place and losing it to a cash offer.

**Where to NOT eat/shop

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Who Should Move to Austin (And Who Definitely Should Not)

Move to Austin if: You earn €3,500–€6,000 net/month (single) or €6,500–€10,000 net/month (family of four). Below €3,500, you’ll struggle with housing costs; above €10,000, you’re overpaying for what Austin offers. Remote workers, tech employees, and freelancers thrive here—especially those in SaaS, blockchain, or creative fields. The city’s zero state income tax (vs. ~40% in Western Europe) stretches salaries further, but only if you’re not tied to a physical office—commuting is a nightmare.

Personality fit: You’re socially flexible, resilient to heat, and comfortable with cultural contradictions—Austin is progressive but in a deeply conservative state, artsy but corporate, "weird" but rapidly gentrifying. Life stage matters: Young professionals (25–35) and families with school-aged kids (if they can afford private schools or top-tier public districts like Eanes ISD) do best. Singles over 40 may find dating shallow; retirees will hate the lack of walkability and healthcare costs.

Avoid Austin if:

You need reliable public transport or walkable urbanism—Austin’s car dependency is brutal, and sidewalks are an afterthought.

You’re on a tight budget—even with no income tax, housing, healthcare, and childcare costs will erode your savings faster than in Lisbon or Berlin.

You’re politically rigid—Texas’ abortion bans, gun laws, and conservative governance clash with Austin’s liberal bubble, creating cognitive dissonance.

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Your 6-Month Action Plan (Starting Tomorrow)

#### Day 1: Secure Legal Entry & Housing Lead (€150–€300)

Action: Apply for a B1/B2 visa (if staying <6 months) or E-3/L-1/O-1 (long-term). Use Boundless (€150) or an immigration lawyer (€1,500+). Simultaneously, book a 1-month Airbnb in South Congress, Mueller, or Domain (€1,800–€2,500). Avoid downtown—noise and parking are hell.

Cost: €150 (visa prep) + €2,000 (Airbnb deposit).

#### Week 1: Establish Local Infrastructure (€800–€1,200)

Action:

- Get a US phone number (Mint Mobile: €15/month) and bank account (Chase or Novo: €0, but bring €500 for initial deposit). - Rent a car (Turo: €40/day or €800/month). Public transit is useless. - Register for a Texas driver’s license (€25, DMV appointment required). - Sign up for health insurance (Oscar or Blue Cross: €250–€400/month for a single person).

Cost: €800–€1,200 (car + insurance + misc.).

#### Month 1: Deep-Dive Research & Lease Signing (€2,500–€4,000)

Action:

- Tour 10+ apartments (Zillow, HotPads). Avoid leases with "admin fees" (common scam). Negotiate rent—landlords are desperate in off-seasons (Nov–Feb). - Sign a 12-month lease (€1,500–€2,500/month for a 1-bed in a decent area). Put down first + last month + security deposit (€4,500–€7,500 total). - Buy a used car (€10,000–€15,000 for a reliable Honda/Toyota). Avoid leases—Texas has no consumer protections. - Join 3 local Slack/Discord groups (Austin Digital Jobs, Remote Workers ATX, Expats in Austin) for networking.

Cost: €2,500–€4,000 (lease + car down payment).

#### Month 2: Settle In & Build Routines (€1,000–€1,500)

Action:

- Furnish your place (Facebook Marketplace, IKEA: €800–€1,200). Avoid Wayfair—delivery times are 6+ weeks. - Find a primary care doctor (€200–€400 for first visit). Telehealth (Hims, Ro) is cheaper (€50/visit). - Enroll kids in school (if applicable). Public schools vary wildly—check GreatSchools. Private schools cost €15,000–€25,000/year. - Get a gym membership (€30–€100/month) or join Austin Bouldering Project (€80/month).

Cost: €1,000–€1,500.

#### Month 3: Optimize Finances & Social Life (€500–€1,000)

Action:

- Open a US brokerage account (Fidelity, Schwab: €0 fees) and transfer funds. Avoid Robinhood—no customer service. - Get a credit card (Chase Sapphire Preferred: €95/year, 60k bonus points). Build credit fast—Texas landlords check scores. - Attend 2–3 meetups/week (Meetup.com, Eventbrite). Coworking spaces (WeWork, The Hive: €200–€400/month) help with loneliness. - Explore beyond downtown—Dripping Springs (30 min west) is cheaper, Round Rock (30 min north) has better schools.

Cost: €500–€1,000.

#### Month 6: You Are Settled

Your life now:

- You own a car, have a 12-month lease, and know 20+ people (colleagues, neighbors, gym buddies). - You’ve