OK, I am going to suggest something slightly different for you than I would based on the plain math, because I think you need some pretty serious mental retraining. You have a massive debt problem: you think it is ok to finance a lifestyle by borrowing. You have borrowed for your house, you have borrowed for your cars, now you are talking about borrowing from your 401(k), because you want a house and you want it now. Think about this: you make like $300K a year and live in a relatively cheap part of the country. But this isn't enough for you. So you are paying other people for the privilege of using their money to elevate your lifestyle even more.
This is what has to stop -- you need to change your mindset until it is crystal clear to you that this is simply not an option. The fact that someone will lend you money does not mean you can afford something. You need to earn the money to pay for the things you want before you buy them.
[And, really, $750/month for a car payment? Are you driving a Rolls? Seriously?]
So my suggestion for you is to focus right now on getting rid of the damn debt so you learn to live within your very ample means.
Before you move:
1. Sell the cars, now. Get rid of the car payments, buy something cheap with cash from your stock sales.
2. Max out retirement contributions -- not to the match, to the $18K max. You are way behind -- as in, on the "retire never" plan, especially if you want to retire at anything near your current burn rate. Your current retirement savings will throw off about $6K/yr -- and that assumes you don't take 1/3 of it as a loan. How sobering is that? You need to start throwing serious cash at closing this gap.
3. Build up the emergency fund. $3K isn't close to what you need to cover the costs of an interstate move. Use your stock sales and extra cash from not having car debt to build this up to probably $20K.
4. Throw anything else at the credit cards. Do whatever you need to do to have them paid off by the move.
5. Once the CCs are paid off, throw the remainder at the student loans. Ideally, you would also have all of this paid off before you move.
Once you move:
1. Sell the house. Do not even attempt an interstate rental.
2. Move to Austin. Rent. [Yes, this is emotionally painful, because you are used to having everything you want, a lifestyle to celebrate and impress others, right now! But that is exactly why this is necessary: to retrain your expectations to below what you can "afford" so that what you can actually pay for begins to feel sufficiently luxurious.] During the next year or two:
a. Figure out what neighborhoods you like.
b. Pay off any remaining debt.
c. Max out all available retirement options for both of you. You are way behind.
d. Build the emergency fund back up.
e. Establish a "new car" fund for when your current beaters die. You will never again have a car loan.
f. Track every single penny you spend. Figure out the cost of living and what your "real" budget is, post-tax and after all retirement savings. This will tell you how much house you can afford.
g. Figure out if there are any homes you like in the category of "houses we can afford with a 20% downpayment." If not, increase your downpayment target to whatever it needs to be to get the house you want. Note: it does not matter whether a "decent" house in Austin requires $250K, $500K, $750K, or whatever. The only thing that matters is how much you can afford. If the house you want requires a higher mortgage than your budget allows, you cannot afford it, unless you save up a sufficient downpayment to cover the difference.
h. Once the debt is paid off, throw all remaining money at the downpayment fund. When this is at the figure you need to afford the house you want (minimum of 20%), save another $10-15K more for closing costs, moving expenses, and immediate house fixes that always come up when you move.
i. Now you may buy a house. If you still want one.
You really can do this. You make plenty of money to enjoy a really nice lifestyle and a secure future. The key is to re-orient yourself to the idea of "what I can spend = net income - retirement savings," not "what I can spend = net income + what I can borrow from someone else."
PS: cursing is not merely socially acceptable here but encouraged. :-)