Can You Live in an RV Full-Time in Texas?
Considering Living Full-Time in an RV in Texas? Here's What You Need to Know
Insights from Red Barn Ranch RV Park in Florence, TX
If you’re thinking about making your RV your full-time home in Texas, you’re not alone. At Red Barn Ranch RV Park in Florence, most of our guests live here long term and not just seasonally. Some are traveling for work, others are building or renovating a home nearby and many are downsizing to save money or prep for retirement.
Whatever your reason, Texas is one of the most RV-friendly states in the country. Here’s what to know before you settle in full-time – from legal and tax basics to insurance considerations and what life can look like at a park like ours.
1. Is Full-Time RV Living Legal in Texas?
Yes – living full time in an RV is legal in Texas. The key is where and how you do it:
You can live in an RV on private land you own (subject to local zoning rules)
Or, more commonly, you can live in a long-term RV park like Red Barn Ranch
There are no statewide restrictions against full-time RV living, but some counties or cities may have specific codes about septic systems, utilities or how long you can stay on a non-residential lot. When you live at an established RV park, those concerns are already taken care of.
2. Establishing Residency & Taxes
If you plan to make Texas your primary residence while living in an RV, here are some basics:
Texas has no state income tax – a big draw for many full-time RVers
You can typically designate your RV as your primary residence for federal tax purposes – so long as it includes sleeping, cooking and bathroom facilities
If you’re working remotely or traveling across state lines for work, you may still owe income tax in states where you physically perform that work
Want to claim your RV as a residence? Talk to a tax pro to make sure you’re taking the right steps and avoiding red flags.
3. What About RV Insurance – Even If You’re Not Moving?
Even if you don’t plan on taking your RV on the road, keeping insurance on it is still important.
Pros of Keeping RV Insurance:
Liability coverage is required by Texas law
It protects your RV against weather damage, especially from hail or high winds
Coverage may include fire, theft, vandalism or guest injuries
Things to Consider:
If you don’t drive your RV, you might not need full collision coverage – but you'll still want comprehensive coverage
Some older RVs may cost more to insure than they’re worth – so compare coverage levels carefully
We recommend maintaining at least basic insurance, especially since Texas weather can be unpredictable – particularly here in the Hill Country.
4. Why So Many People Choose Full-Time RV Life at Red Barn Ranch
At Red Barn Ranch, we welcome people from all walks of life who choose full-time RV living for all kinds of reasons:
Traveling professionals (nurses, contractors, remote workers)
Families in transition (building a home, downsizing, relocating)
Retirees looking for a simpler more flexible lifestyle
Budget-conscious individuals who want affordable monthly living without sacrificing comfort
Our park is set up to support long-term stays – with spacious lots, a quiet atmosphere and a strong sense of community.
We don’t offer legal help or handle mail forwarding – but we do help you get settled, pick the right lot for your setup and get familiar with the Florence, TX area. We know the local spots and can help you feel at home quickly.
Final Takeaway
Yes – you can absolutely live full time in an RV in Texas. With no state income tax, flexible RV laws and a lower cost of living, it’s a smart option for many.
At Red Barn Ranch RV Park, we provide a clean, quiet and well-managed place to call home whether you're staying for six months or settling in for the long haul. If you're ready to simplify, save and still enjoy a great quality of life, we’d love to welcome you to our community.
