Texas Mortgage Snapshot
Texas Mortgage + Property Tax Snapshot (2026)
Compare Texas property tax context, FHA limit tier signals, and county-level navigation so you can plan financing scenarios faster.
Estimated Effective State Rate
1.40%
Sample Annual Tax on $425,000 Home
$5,950
FHA State Tier
Standard FHA Tier
County/Locality Pages
9
Texas Property Tax Calculator
Texas has no state income tax but a statewide effective property tax rate of about 1.40% (2024 ACS). Estimate taxes in Harris, Dallas, Travis, and other major counties with our calculator.
FHA Limit Tier Context in Texas
State Tier Signal
Most counties in this state follow the standard FHA floor framework.
FHA 1-Unit Floor
$541,287
FHA 1-Unit Ceiling
$1,249,125
What Homebuyers in Texas Should Know
- Balance tax assumptions with insurance and financing terms for accurate payment planning.
- Property taxes are often a larger component of total monthly housing cost in this market.
Texas County and Locality Pages
Bexar County
Estimated effective rate: 1.62%
Collin County
Estimated effective rate: 1.56%
Dallas County
Estimated effective rate: 1.64%
Denton County
Estimated effective rate: 1.57%
Fort Bend County
Estimated effective rate: 1.72%
Harris County
Estimated effective rate: 1.67%
Hidalgo County
Estimated effective rate: 1.78%
Tarrant County
Estimated effective rate: 1.70%
Travis County
Estimated effective rate: 1.51%
Need the National View?
Return to the national Property Tax Calculator to compare across states and scenarios.
Methodology and Data Sources
- Tax Foundation Facts & Figures: Property Tax as Percent of Home Value - State-level effective property tax rates (Updated: 2026-02-19)
- HUD/FHA Mortgagee Letter 2025-23 - 2026 FHA floor and high-cost ceiling frameworks (1-4 unit) (Updated: 2026-01-01)
Educational guidance only. Final loan terms and eligibility vary by county limits, credit, income, property profile, and lender guidelines.