Texas Inheritance Laws in 2026: How Assets Really Get Distributed
Most people assume they know how inheritance works. They think spouses get everything. They think kids automatically inherit. But in Texas, the rules are way more complicated than that. Honestly, many families find out the hard way.
Here’s the thing: dying without a will in Texas doesn’t mean the state forgets about you. It means the state steps in and decides everything. And those decisions might shock you.
What Is Inheritance, Actually?
Inheritance is when someone passes away and their stuff goes to other people. Simple, right? But Texas has two completely different paths this can take.
Path one happens when you have a will. That’s called testate succession. Your will controls everything.
Path two happens when you don’t have a will. That’s called intestate succession. Texas law controls everything instead.
The Big Thing About Texas: Community Property
Okay, pause. This part is crucial. Read carefully.
Texas is a community property state. That means anything you earn or buy while married is automatically owned 50-50 by both spouses. Not just legally—actually and literally.
Think of it like this: Say your spouse makes $100,000 a year. Half of that income belongs to you automatically. Half of your paycheck belongs to them. Same with the house you bought together, the car, the retirement accounts. Everything.
But here’s where it gets interesting. Property you owned before marriage? That’s separate property. Same with gifts or inheritances you received. Those belong only to you.
This distinction is literally the foundation of how Texas inheritance works.
When Someone Dies Without a Will
Let’s start with the basics. When you die without a will, Texas law has a specific plan for who gets what. It’s like a family tree hierarchy.
The rules change depending on your family situation. And honestly, this is where most people get confused.
If You’re Married With Children (Both From Current Spouse)
Your spouse gets all community property. That’s the easy part.
But separate property? That’s different. Your spouse gets one-third of your personal property (like cash, jewelry, investments). Your kids split the other two-thirds.
For real estate, your spouse gets a “life estate” in one-third. That means they can live there for their lifetime. When they die, the kids inherit it fully.
If You’re Married With Children (From Different Relationships)
Now things get serious. This creates some unexpected outcomes.
Your spouse keeps their half of community property (that’s always theirs). They get half of your community property too. But then your children from the previous relationship get the other half of your community property.
Your separate personal property gets split: spouse gets one-third, kids get two-thirds.
For separate real estate, your spouse gets a life estate in one-third. Again, kids inherit it after your spouse passes.
Not sure what counts as community versus separate property? Let me break it down.
Community property:
- Income from jobs (during marriage)
- Houses purchased during marriage
- Cars bought while married
- Retirement accounts funded during marriage
- Investment portfolios started while married
Separate property:
- Anything you owned before marriage
- Gifts given to you alone
- Inheritances you received
- Money from personal injury lawsuits
- Property you received as a gift during marriage
If You’re Married With No Children
Your spouse inherits all community property. All of it.
For separate personal property, your spouse gets everything too.
But separate real estate? Your spouse gets half, and your parents or siblings get the other half.
What Happens to Children’s Rights
Here’s something important: children have strong inheritance rights in Texas. But it depends on your family setup.
If you’re married and all kids are from that marriage, the rules above apply. But if you have kids from different relationships, things shift. Your biological or legally adopted children have equal inheritance rights.
Now here’s something that surprises people: stepchildren have zero inheritance rights. None. Not unless you legally adopted them or specifically named them in a will.
I looked this up recently. The law is clear on this one. If you marry someone with kids but don’t adopt them, they can’t inherit anything from you under intestate law. It catches a lot of blended families off guard.
Special Situation: No Spouse, Just Children
This one’s straightforward. Your children inherit everything equally.
If one child dies before you do, their kids (your grandchildren) inherit that share. This is called per stirpes distribution. Think of it like “by branch”—grandkids inherit through their deceased parent’s line.
When There’s No Spouse or Children
The rules keep going down the family tree. Your parents inherit first.
If both parents are alive, they split everything equally. If one parent is alive, they get everything. If no parents survive you, your siblings inherit.
If you have half-siblings (one parent in common), they still inherit. But they get half the share that full-siblings receive. Weird, right? But that’s Texas law.
What About Probate?
Here’s a practical question people ask: does every estate have to go through probate court?
The answer: not always. It depends on how much you’re worth.
For estates under $75,000, heirs can skip probate. They file what’s called a Small Estate Affidavit. They wait 30 days after death. Then they use that affidavit to claim property.
But larger estates? They go through probate. A court appoints an administrator (basically an executor for intestate estates). That administrator collects assets, pays debts, and distributes what’s left.
Wondering if this applies to you? It depends on the total value of estate property that would pass through a will. Non-probate assets don’t count toward that $75,000 limit.
What’s Changed in 2025 and 2026
Texas made some updates to inheritance laws recently. Most took effect in September 2025.
Courts now use electronic filing more. They require detailed notices to heirs. They’re cracking down on forged documents—penalties got tougher.
There’s also big news on federal taxes. In 2025, the federal estate tax exemption is $13.99 million per person. For married couples, that’s nearly $28 million combined.
But wait. That might change drastically in 2026. Unless Congress acts, the exemption could drop by about half. That would bring it down to around $7 million per person.
Why does this matter for Texas? Well, Texas doesn’t have state inheritance tax. That’s the good news. But federal estate tax could still apply to large estates.
Here’s the really important news: in 2025, Texas voters approved constitutional amendments. These permanently ban state-level estate taxes and inheritance taxes. Texas is now locked in as a “no death tax” state.
Non-Probate Assets: The Game Changer
Hold on, this part is important.
Many assets don’t go through probate at all. They bypass intestate succession completely.
These include:
- Life insurance policies (if beneficiaries are named)
- Payable-on-death bank accounts
- Retirement accounts (401k, IRA)
- Joint accounts with right of survivorship
- Property with named beneficiaries
These assets pass directly to whoever you named. The will doesn’t control them. Intestate law doesn’t control them.
This is huge. It’s why naming beneficiaries is so critical. You could have a beautiful will, but if your life insurance names your ex-spouse, that policy goes to your ex. The will can’t change it.
What Happens If Nobody Can Be Found
Sound weird? It actually happens. Sometimes estates have no identifiable heirs.
When that occurs, the property “escheats” to the State of Texas. That means the state literally becomes the owner.
But this is rare. Texas casts a wide net for potential heirs. The law looks for distant relatives, half-siblings, even more remote descendants.
The state only takes over when absolutely no family members can be found.
The 120-Hour Rule You Should Know
Here’s a technical rule that matters: to inherit in Texas, you must outlive the deceased by at least 120 hours (that’s five days).
Why? It prevents weird situations. Say you and your sibling are in a car accident. You die first, they die three days later. Under this rule, your sibling is treated as dying before you. So their estate doesn’t inherit from yours.
If you and your spouse die in a disaster at the same time? The law assumes you each survived the other for purposes of dividing community property.
Penalties and Issues to Avoid
Not having a will creates serious problems. Trust me on this one.
First, probate costs money and takes time. Even for smaller estates, it can stretch to 6-8 months. Larger ones can take 24 months or more.
Second, unexpected people might inherit. You might have a sibling you’re not close with. That sibling could end up with part of your estate.
Third, disputes happen. Families fight about assets. Kids argue with stepparents. Probate court becomes a battleground.
Fourth, your assets freeze. Nobody can touch them until the court says it’s okay. Spouses might struggle to pay bills. Businesses might suffer.
How to Make Sure Your Wishes Are Followed
The solution is surprisingly simple: get a will. Or a living trust.
A valid will in Texas must be:
- Written (handwritten or typed)
- Signed by you
- Witnessed by two people (doesn’t have to be notarized)
- Clearly stating your intentions
A living trust is different. It transfers ownership of assets into a trust during your lifetime. When you die, assets pass to beneficiaries without probate. No court involvement. It’s faster and private.
You could also use a combination approach. Many Texans have both a will and a trust.
The key is this: you get to decide. You get to control who inherits. You get to avoid probate. You get to save your family stress and money.
That’s the whole point.
Frequently Asked Questions
Does the surviving spouse get everything if there’s no will?
No. Many people think this, but it’s wrong. The surviving spouse gets some assets, but children, parents, or siblings might inherit too. It depends on what type of property you own and who’s in your family.
Can I disinherit my spouse or children?
You have broad freedom to distribute property as you wish—with limitations. Community property created during marriage must go partly to your spouse. But separate property? You control that completely.
What if I have property in another state?
That property might be subject to that state’s laws. A vacation home in Pennsylvania could trigger Pennsylvania taxes. This is why multi-state planning matters. Talk to a lawyer if you have out-of-state property.
Does a handwritten will work in Texas?
Yes, a holographic will (all handwritten and signed by you) is valid in Texas. But it can be contested more easily than a witnessed will. Having witnesses makes it stronger legally.
What if someone contests my will?
Will contests must be filed within two years after the will is admitted to probate. Only “interested persons” (people who’d inherit if the will were invalid) can contest it. The burden of proof is on the person challenging the will.
How much does probate cost?
Costs vary by estate size. Larger estates might run $5,000 to $15,000 or more. A living trust typically costs more to set up but saves money and time at death.
Special Circumstances Worth Knowing
Blended Families
If you’re remarried with kids from previous relationships, your situation is complex. Without a will, your spouse and your kids compete for separate property. This creates tension and unexpected distributions. A clear will or trust prevents disaster here.
Adopted Children
Legally adopted children have exactly the same rights as biological children. But the adoption must be final. If adoption is pending at your death, consult a lawyer about implications.
Children Born Outside Marriage
These kids can inherit from their mother automatically. To inherit from their father, paternity must be legally established. DNA tests can establish this after death in some cases.
Unmarried Couples
If you’re not legally married, your partner inherits nothing. Zero. Not even if you’ve been together 20 years. They have zero inheritance rights under Texas law. This surprises a lot of people, honestly.
Final Thoughts
Texas inheritance laws are detailed. They’re specific. They account for almost every family situation.
But here’s the problem: they might not match what you actually want.
If you have a will or trust, your wishes control. If you don’t, Texas law decides. And those decisions might not reflect your values or your family’s needs.
The good news is this: you have power. You can plan ahead. You can ensure your loved ones are protected. You can avoid probate court. You can prevent disputes before they start.
Don’t wait for a crisis. Don’t wait until it’s too late. Talk to an estate planning attorney. Get a will. Set up a trust. Update your beneficiary designations. These actions take hours but save your family months and thousands of dollars.
Now you know the basics. Stay informed, stay protected, and when in doubt, talk to a lawyer. Your family will thank you.