Mr. Dehner works in finance and Ms. Dehner works part-time in e-commerce. They briefly considered moving to Southern California, but decided after last year’s ferocious wildfire season that it wasn’t worth the risk. Life in Texas, she said, will offer a lower cost of living, and hence, more peace of mind.

“Finances won’t be a driving factor in every decision we make,” she said. “It gives us a cushion to enjoy life.

In April 2021, the median sales price for a single-family home in San Francisco County was $1,800,000. In Sacramento, 100 miles northeast, where home prices have jumped 22.5 percent since last year, it was $490,000.

“In the last 10 months the market has caught fire, and migration is absolutely up,” said Ryan Lundquist, a real estate appraiser in Sacramento who also maintains a blog about the Central Valley housing market. “We have increased migration from the Bay Area, and there are also so many local…

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