Dallas Property Taxes, Income Taxes & Hidden Costs: What Relocating AT&T Employees Need to Know under RTO
- Nitin Gupta, CRS, REALTOR
- Mar 21
- 4 min read
Relocating to Plano, Texas for a new position at AT&T? One of the first major decisions you’ll need to make is whether to buy or rent your next home. On the surface, renting may seem like the easier option—especially when you're unfamiliar with the area—but buying a home in Plano can offer long-term financial benefits that go far beyond convenience.
This guide breaks down the pros and cons of buying vs. renting, the current Plano market trends, and how to evaluate which choice makes the most sense for your situation as a relocating AT&T employee.
Why This Question Matters for Relocating Professionals
Relocation often comes with:
Compressed timelines
Temporary housing
Uncertainty about long-term job location
The need to balance short-term convenience with long-term investment
If you’re planning to live in Plano for at least 2–3 years, buying a home could give you the opportunity to build equity while locking in your monthly housing costs in a rising market.
Current Plano Real Estate Market Trends (2025)
Median home price: ~$500,000
Annual appreciation rate (past 5 years): 5–7%
Rental rates: $2,400–$3,500/month for a 3- to 4-bedroom home
Inventory: Limited, especially under $600K
Demand: High among corporate professionals relocating to Legacy West and surrounding areas
Plano has consistently ranked as one of the most stable and desirable housing markets in the Dallas-Fort Worth area, driven by:
A-rated school districts
Proximity to major employers like AT&T, Toyota, and Liberty Mutual
High resale demand for suburban homes in good condition
Explore available homes here:👉 Plano Homes for Sale
Renting: The Case for Flexibility
Pros:
Faster move-in
Lower upfront costs (no down payment or closing costs)
Flexibility if your role or location changes within 12–18 months
No maintenance or property tax responsibilities
Cons:
Rising rental prices year over year
No equity or return on monthly payments
Limited customization or control over the home
May need to move again once lease expires
If your AT&T role is short-term, temporary, or you’re unsure about your long-term plans in DFW, renting may make sense for the first 6–12 months.
Buying: The Case for Long-Term Value
Pros:
Build equity from day one
Predictable monthly payments (with a fixed-rate mortgage)
Tax deductions on mortgage interest and property taxes
Appreciation potential in Plano’s high-demand market
Customization and control
Cons:
Higher upfront costs (down payment, closing, inspection)
More responsibility for repairs and maintenance
Selling could take time if relocating again within 1–2 years
Break-even point in Plano:On average, it takes 2–3 years of homeownership to break even on upfront costs and start seeing equity growth—much faster in a rising market like Plano.
Curious about your break-even number?Contact Nitin Gupta for a Custom Rent-vs-Buy Analysis
Scenario Comparison: Renting vs. Buying in Plano
Let’s assume you’re considering a 3-bedroom home near Legacy West.
Buying | Renting | |
Monthly Payment | ~$2,900 (mortgage, tax, insurance) | ~$2,700–$3,300 (rent) |
Upfront Cost | ~$30K–$50K (down payment + closing) | 1st month rent + deposit (~$6K) |
Equity After 3 Years | ~$40K–$60K | $0 |
Tax Benefits | Yes (mortgage + property tax) | No |
Control/Upgrades | Full | Limited |
Moving Flexibility | Lower | Higher |
What AT&T Employees Should Consider
Job Location: Are you working at the Legacy campus in Plano or Downtown Dallas? If you’re based in Plano and planning to stay in the area, buying makes more sense.
Timeline: Planning to stay in DFW for at least 2–3 years? That’s typically the tipping point where buying becomes more cost-effective than renting.
Relocation Package: Some corporate packages include temporary housing, relocation assistance, or even financial incentives for buying. Talk to your HR team before making a decision.
Lifestyle: Want space, privacy, and control over your living environment? Buying offers long-term benefits, especially in a suburban, family-friendly city like Plano.
Final Thoughts
There’s no one-size-fits-all answer—but if you’re planning to stay in Plano for more than a few years, buying a home can help you build equity, lock in monthly costs, and plant roots in one of North Texas’s most desirable markets.
Still unsure whether to buy or rent? Let’s schedule a personalized consultation to run the numbers and compare your options. You’ll walk away with a clear game plan that aligns with your career, budget, and goals.
Start your search here:👉 Plano Real Estate Listings👉 Contact Nitin Gupta – Relocation Specialist
Call us at 469-269-6541 for more information about Plano real estate!
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For those looking to invest in luxury homes in Plano, Texas, Nitin Gupta is an expert real estate professional ready to assist. Known for his extensive experience, market insights, and numerous awards, he is committed to finding his clients the best properties in the area.
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