Texas Property Tax Calculator by County
Estimate your annual Texas property tax bill with the homestead, over-65 and disabled-veteran exemptions applied. Texas has no state income tax, so property tax is the number that matters most in your monthly payment.
Property
Exemptions
How Texas property tax is calculated
Your bill is the sum of several taxing units — school district, county, city, community college, hospital district and any MUD or PID — each applying its own rate to your appraised value after exemptions. Combined rates in the major metros generally fall between 1.7% and 2.3% of market value. Because Texas has no state income tax, property tax is the primary way local services are funded, and it's usually the second-largest line in a Texas mortgage payment.
The homestead exemption in 2026
If the home is your primary residence, Texas exempts $140,000 of value from school district taxes — raised from $100,000 by voters in 2025 — and homeowners who are over 65 or disabled get an additional $60,000 plus a ceiling on their school taxes. Counties and cities may add an optional 20% exemption. The homestead also caps annual increases in your appraised value at 10%, which matters more every year you own the home.
Buying a home? Budget on full market value
The seller's exemptions and appraisal cap do not transfer. In your first year you'll be taxed on the home's full appraised value until you file your own homestead application with the county appraisal district, and your lender's escrow will be set accordingly. Use the no-exemption line above for that first-year number.
Frequently asked questions
What is the property tax rate in Texas?
There is no single rate. Combined local rates typically run 1.7–2.3% of appraised value. Harris, Dallas, Tarrant and Bexar counties tend toward the higher end; Williamson and Montgomery toward the lower end.
How much is the Texas homestead exemption?
$140,000 off school district taxes for a primary residence, plus $60,000 more for homeowners over 65 or disabled, plus any optional local exemption of up to 20%.
When are Texas property taxes due?
Bills go out in October and are due by January 31 of the following year. Taxes are paid in arrears, which is why they're prorated at closing.
Can I protest my appraisal?
Yes. Appraisal districts mail notices in April–May and you typically have until May 15 (or 30 days after the notice) to file a protest. Many homeowners lower their value every year.
Do disabled veterans pay property tax in Texas?
Veterans with a 100% disability rating are fully exempt on their homestead; partial ratings receive partial exemptions ($5,000–$12,000).
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KAT Realty Group is a full-service flat fee real estate service: buyer representation for $4,999 and seller listing for $5,999, serving Austin, Dallas–Fort Worth, Houston, San Antonio and all of Texas. See all calculators or request a consultation.