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Texas Property Tax
Texas property taxes are a major ownership cost because the state has no personal income tax and relies heavily on local property levies. Use this page and the ZIP calculator to estimate taxes for planning a purchase or refinance — then confirm exemptions and assessed value with your county appraisal district.
Start with the national ZIP-first property tax calculator for a quick estimate, then refine with county data below. National Mortgage Center is not affiliated with any government agency.
Estimated effective state rate
1.40%
Sample tax on a $400,000 home
$5,600
Vs U.S. benchmark (0.90%)
+$2,000
Counties in this dataset
235
In the current NMC dataset, Texas has an estimated effective property-tax rate of 1.40%, resulting in approximately $5,600 in annual property taxes on a $400,000 home.
For official bills and exemptions, start with your county appraisal district / tax office (Texas Comptroller and local CAD sites). National Mortgage Center is not a government agency.
National Mortgage Center is not a government agency and is not affiliated with any county assessor, tax collector, or state revenue department.
Top live county pages on this site
Estimates are for educational planning only. They are not your official property tax bill, escrow quote, or appraisal. Confirm with your county assessor or tax collector. National Mortgage Center is powered by Stride Bank, N.A., NMLS #466690. Educational content is not a commitment to lend.
Texas has no state individual income tax and no state-level property tax. Cities, counties, school districts, and special districts each levy a rate on locally appraised value. The stacked local rate is why Texas still ranks among the higher effective-rate states even without a state levy.
Appraisal districts (not the Comptroller) set appraised value. Homestead properties generally have a 10% ceiling on annual appraised-value increases, which can leave long-term owners with taxable value below current market. A purchase typically starts a new owner closer to market value.
School taxes are usually the largest slice. Many districts offer a homestead exemption that reduces the school taxable value (commonly discussed as $100,000 at the state school-tax layer, plus optional local exemptions — confirm the current amount with the appraisal district).
Texas uses appraised market value as the starting point, then subtracts exemptions to reach taxable value. Rates are adopted in the summer/fall budget cycle and billed, typically, in October. Use the county estimate here for PITI planning, then confirm the actual levy with the appraisal district and tax office.
An owner-occupied homestead exemption reduces school taxable value and may reduce other local taxable value where the city or county has adopted an optional exemption. Apply with the county appraisal district; it is not automatic in every case.
Additional homestead exemptions and a school-tax ceiling are available for qualifying seniors and people with disabilities. The school-tax ceiling can lock in the school portion after qualification.
Disabled-veteran exemptions are based on disability rating. A 100% disabled veteran may qualify for a total exemption on a qualifying residence homestead.
Large metros often show county effective rates in the 1.4%–2.0% range in ACS estimates. Special districts (MUD, flood, hospital) can push a specific parcel above the county average.
Buyers relocating from income-tax states should model PITI with Texas property tax, not just the mortgage rate. On a $400,000 home, a 1.40% statewide rate is about $5,600 a year — roughly $2,000 above this dataset’s national benchmark.
Official Texas resource: Texas Comptroller — Property Tax. Estimates on this page are for mortgage and relocation planning.
Median owner-occupied home value and median real-estate tax paid (ACS), with the county effective rate used in our calculator. Showing the 30 largest counties by owner-occupied households; every county is listed below.
| County | Median home value | Median annual tax | Effective rate |
|---|---|---|---|
| Harris County | $276,600 | $4,489 | 1.62% |
| Dallas County | $303,000 | $4,798 | 1.58% |
| Tarrant County | $323,900 | $5,334 | 1.65% |
| Bexar County | $262,200 | $4,535 | 1.73% |
| Travis County | $523,000 | $7,727 | 1.48% |
| Collin County | $475,600 | $7,521 | 1.58% |
| Denton County | $437,200 | $7,055 | 1.61% |
| Fort Bend County | $374,500 | $6,965 | 1.86% |
| El Paso County | $180,400 | $3,660 | 2.03% |
| Hidalgo County | $140,900 | $2,279 | 1.62% |
| Montgomery County | $346,200 | $5,268 | 1.52% |
| Williamson County | $447,000 | $7,205 | 1.61% |
| Brazoria County | $301,600 | $5,001 | 1.66% |
| Galveston County | $314,600 | $4,442 | 1.41% |
| Cameron County | $136,500 | $2,042 | 1.50% |
| Bell County | $241,000 | $3,476 | 1.44% |
| Nueces County | $208,800 | $3,330 | 1.59% |
| Lubbock County | $214,100 | $3,241 | 1.51% |
| Hays County | $399,800 | $6,649 | 1.66% |
| McLennan County | $243,600 | $3,471 | 1.42% |
| Jefferson County | $169,500 | $2,600 | 1.53% |
| Smith County | $240,700 | $2,804 | 1.16% |
| Comal County | $427,200 | $4,833 | 1.13% |
| Ellis County | $348,600 | $4,697 | 1.35% |
| Webb County | $189,900 | $3,421 | 1.80% |
| Guadalupe County | $304,400 | $4,343 | 1.43% |
| Johnson County | $285,900 | $3,557 | 1.24% |
| Midland County | $312,700 | $3,832 | 1.23% |
| Parker County | $375,900 | $5,249 | 1.40% |
| Brazos County | $296,000 | $4,568 | 1.54% |
Among counties currently in the NMC dataset for this state.
Among counties currently in the NMC dataset for this state.
Anderson County
Estimated effective rate: 0.92%
Andrews County
Estimated effective rate: 1.28%
Angelina County
Estimated effective rate: 1.09%
Aransas County
Estimated effective rate: 1.02%
Archer County
Estimated effective rate: 1.21%
Armstrong County
Estimated effective rate: 1.23%
Atascosa County
Estimated effective rate: 1.29%
Austin County
Estimated effective rate: 1.16%
Bailey County
Estimated effective rate: 1.52%
Bandera County
Estimated effective rate: 0.88%
Bastrop County
Estimated effective rate: 1.41%
Baylor County
Estimated effective rate: 1.25%
Bee County
Estimated effective rate: 1.45%
Bell County
Estimated effective rate: 1.44%
Bexar County
Estimated effective rate: 1.73%
Blanco County
Estimated effective rate: 0.93%
Bosque County
Estimated effective rate: 0.98%
Bowie County
Estimated effective rate: 1.18%
Brazoria County
Estimated effective rate: 1.66%
Brazos County
Estimated effective rate: 1.54%
Brewster County
Estimated effective rate: 1.13%
Brooks County
Estimated effective rate: 1.31%
Brown County
Estimated effective rate: 1.11%
Burleson County
Estimated effective rate: 0.95%
Burnet County
Estimated effective rate: 1.06%
Caldwell County
Estimated effective rate: 1.35%
Calhoun County
Estimated effective rate: 1.26%
Callahan County
Estimated effective rate: 0.91%
Cameron County
Estimated effective rate: 1.50%
Camp County
Estimated effective rate: 1.10%
Carson County
Estimated effective rate: 1.19%
Cass County
Estimated effective rate: 0.94%
Castro County
Estimated effective rate: 0.92%
Chambers County
Estimated effective rate: 1.05%
Cherokee County
Estimated effective rate: 1.16%
Childress County
Estimated effective rate: 1.19%
Clay County
Estimated effective rate: 1.27%
Cochran County
Estimated effective rate: 1.10%
Coke County
Estimated effective rate: 1.16%
Coleman County
Estimated effective rate: 1.35%
Collin County
Estimated effective rate: 1.58%
Collingsworth County
Estimated effective rate: 1.26%
Colorado County
Estimated effective rate: 1.05%
Comal County
Estimated effective rate: 1.13%
Comanche County
Estimated effective rate: 1.35%
Concho County
Estimated effective rate: 1.68%
Cooke County
Estimated effective rate: 1.19%
Coryell County
Estimated effective rate: 1.36%
Crane County
Estimated effective rate: 1.04%
Crosby County
Estimated effective rate: 1.83%
Culberson County
Estimated effective rate: 0.97%
Dallam County
Estimated effective rate: 1.15%
Dallas County
Estimated effective rate: 1.58%
Dawson County
Estimated effective rate: 1.62%
Deaf Smith County
Estimated effective rate: 1.48%
Delta County
Estimated effective rate: 0.95%
Denton County
Estimated effective rate: 1.61%
DeWitt County
Estimated effective rate: 0.86%
Dickens County
Estimated effective rate: 1.44%
Dimmit County
Estimated effective rate: 1.43%
Donley County
Estimated effective rate: 1.16%
Duval County
Estimated effective rate: 1.28%
Eastland County
Estimated effective rate: 1.08%
Ector County
Estimated effective rate: 1.27%
El Paso County
Estimated effective rate: 2.03%
Ellis County
Estimated effective rate: 1.35%
Erath County
Estimated effective rate: 1.07%
Falls County
Estimated effective rate: 1.37%
Fannin County
Estimated effective rate: 1.08%
Fayette County
Estimated effective rate: 0.89%
Fisher County
Estimated effective rate: 1.73%
Floyd County
Estimated effective rate: 1.24%
Fort Bend County
Estimated effective rate: 1.86%
Franklin County
Estimated effective rate: 0.89%
Freestone County
Estimated effective rate: 0.94%
Frio County
Estimated effective rate: 1.55%
Gaines County
Estimated effective rate: 1.57%
Galveston County
Estimated effective rate: 1.41%
Garza County
Estimated effective rate: 1.57%
Gillespie County
Estimated effective rate: 0.98%
Goliad County
Estimated effective rate: 0.94%
Gonzales County
Estimated effective rate: 1.31%
Gray County
Estimated effective rate: 1.37%
Grayson County
Estimated effective rate: 1.27%
Gregg County
Estimated effective rate: 1.16%
Grimes County
Estimated effective rate: 1.02%
Guadalupe County
Estimated effective rate: 1.43%
Hale County
Estimated effective rate: 1.31%
Hall County
Estimated effective rate: 1.26%
Hamilton County
Estimated effective rate: 1.26%
Hansford County
Estimated effective rate: 1.81%
Hardeman County
Estimated effective rate: 1.04%
Hardin County
Estimated effective rate: 1.09%
Harris County
Estimated effective rate: 1.62%
Harrison County
Estimated effective rate: 0.97%
Hartley County
Estimated effective rate: 1.01%
Haskell County
Estimated effective rate: 1.16%
Hays County
Estimated effective rate: 1.66%
Hemphill County
Estimated effective rate: 1.16%
Henderson County
Estimated effective rate: 0.94%
Hidalgo County
Estimated effective rate: 1.62%
Hill County
Estimated effective rate: 1.16%
Hockley County
Estimated effective rate: 1.39%
Hood County
Estimated effective rate: 1.05%
Hopkins County
Estimated effective rate: 1.00%
Houston County
Estimated effective rate: 0.84%
Howard County
Estimated effective rate: 0.95%
Hudspeth County
Estimated effective rate: 1.25%
Hunt County
Estimated effective rate: 1.24%
Hutchinson County
Estimated effective rate: 1.35%
Jack County
Estimated effective rate: 0.98%
Jackson County
Estimated effective rate: 1.02%
Jasper County
Estimated effective rate: 0.97%
Jeff Davis County
Estimated effective rate: 0.60%
Jefferson County
Estimated effective rate: 1.53%
Jim Hogg County
Estimated effective rate: 0.97%
Jim Wells County
Estimated effective rate: 1.15%
Johnson County
Estimated effective rate: 1.24%
Jones County
Estimated effective rate: 1.59%
Karnes County
Estimated effective rate: 0.93%
Kaufman County
Estimated effective rate: 1.68%
Kendall County
Estimated effective rate: 1.10%
Kerr County
Estimated effective rate: 0.97%
Kimble County
Estimated effective rate: 1.27%
Kinney County
Estimated effective rate: 1.41%
Kleberg County
Estimated effective rate: 1.47%
Knox County
Estimated effective rate: 1.60%
La Salle County
Estimated effective rate: 1.47%
Lamar County
Estimated effective rate: 0.87%
Lamb County
Estimated effective rate: 1.12%
Lampasas County
Estimated effective rate: 1.17%
Lavaca County
Estimated effective rate: 0.89%
Lee County
Estimated effective rate: 0.96%
Leon County
Estimated effective rate: 0.69%
Liberty County
Estimated effective rate: 1.17%
Limestone County
Estimated effective rate: 1.19%
Lipscomb County
Estimated effective rate: 1.41%
Live Oak County
Estimated effective rate: 0.96%
Llano County
Estimated effective rate: 0.75%
Lubbock County
Estimated effective rate: 1.51%
Lynn County
Estimated effective rate: 1.77%
Madison County
Estimated effective rate: 0.98%
Marion County
Estimated effective rate: 0.74%
Martin County
Estimated effective rate: 0.91%
Mason County
Estimated effective rate: 0.84%
Matagorda County
Estimated effective rate: 1.35%
Maverick County
Estimated effective rate: 1.25%
McCulloch County
Estimated effective rate: 0.99%
McLennan County
Estimated effective rate: 1.42%
Medina County
Estimated effective rate: 1.32%
Menard County
Estimated effective rate: 1.95%
Midland County
Estimated effective rate: 1.23%
Milam County
Estimated effective rate: 0.99%
Mills County
Estimated effective rate: 0.78%
Mitchell County
Estimated effective rate: 1.86%
Montague County
Estimated effective rate: 0.92%
Montgomery County
Estimated effective rate: 1.52%
Moore County
Estimated effective rate: 1.30%
Morris County
Estimated effective rate: 1.10%
Nacogdoches County
Estimated effective rate: 0.83%
Navarro County
Estimated effective rate: 1.20%
Newton County
Estimated effective rate: 0.82%
Nolan County
Estimated effective rate: 1.53%
Nueces County
Estimated effective rate: 1.59%
Ochiltree County
Estimated effective rate: 1.42%
Orange County
Estimated effective rate: 1.24%
Palo Pinto County
Estimated effective rate: 1.11%
Panola County
Estimated effective rate: 0.79%
Parker County
Estimated effective rate: 1.40%
Parmer County
Estimated effective rate: 1.28%
Pecos County
Estimated effective rate: 1.03%
Polk County
Estimated effective rate: 0.90%
Potter County
Estimated effective rate: 1.46%
Presidio County
Estimated effective rate: 1.24%
Rains County
Estimated effective rate: 1.02%
Randall County
Estimated effective rate: 1.51%
Reagan County
Estimated effective rate: 0.92%
Real County
Estimated effective rate: 1.07%
Red River County
Estimated effective rate: 1.01%
Reeves County
Estimated effective rate: 1.08%
Refugio County
Estimated effective rate: 1.47%
Robertson County
Estimated effective rate: 1.01%
Rockwall County
Estimated effective rate: 1.54%
Runnels County
Estimated effective rate: 1.37%
Rusk County
Estimated effective rate: 1.05%
Sabine County
Estimated effective rate: 0.82%
San Augustine County
Estimated effective rate: 0.68%
San Jacinto County
Estimated effective rate: 0.99%
San Patricio County
Estimated effective rate: 1.49%
San Saba County
Estimated effective rate: 0.90%
Schleicher County
Estimated effective rate: 1.25%
Scurry County
Estimated effective rate: 1.27%
Shackelford County
Estimated effective rate: 1.15%
Shelby County
Estimated effective rate: 1.01%
Sherman County
Estimated effective rate: 1.72%
Smith County
Estimated effective rate: 1.16%
Somervell County
Estimated effective rate: 0.91%
Starr County
Estimated effective rate: 1.14%
Stephens County
Estimated effective rate: 1.48%
Sutton County
Estimated effective rate: 1.22%
Swisher County
Estimated effective rate: 1.72%
Tarrant County
Estimated effective rate: 1.65%
Taylor County
Estimated effective rate: 1.37%
Terry County
Estimated effective rate: 1.69%
Throckmorton County
Estimated effective rate: 1.28%
Titus County
Estimated effective rate: 1.20%
Tom Green County
Estimated effective rate: 1.29%
Travis County
Estimated effective rate: 1.48%
Trinity County
Estimated effective rate: 1.06%
Tyler County
Estimated effective rate: 0.89%
Upshur County
Estimated effective rate: 1.19%
Upton County
Estimated effective rate: 1.08%
Uvalde County
Estimated effective rate: 1.44%
Val Verde County
Estimated effective rate: 1.43%
Van Zandt County
Estimated effective rate: 1.03%
Victoria County
Estimated effective rate: 1.46%
Walker County
Estimated effective rate: 1.18%
Waller County
Estimated effective rate: 1.27%
Ward County
Estimated effective rate: 0.64%
Washington County
Estimated effective rate: 1.09%
Webb County
Estimated effective rate: 1.80%
Wharton County
Estimated effective rate: 1.52%
Wheeler County
Estimated effective rate: 1.39%
Wichita County
Estimated effective rate: 1.64%
Wilbarger County
Estimated effective rate: 1.60%
Willacy County
Estimated effective rate: 1.68%
Williamson County
Estimated effective rate: 1.61%
Wilson County
Estimated effective rate: 1.22%
Winkler County
Estimated effective rate: 0.76%
Wise County
Estimated effective rate: 1.14%
Wood County
Estimated effective rate: 0.88%
Yoakum County
Estimated effective rate: 0.94%
Young County
Estimated effective rate: 1.11%
Zapata County
Estimated effective rate: 0.95%
Zavala County
Estimated effective rate: 1.53%
A new purchase is typically appraised near market value, so the first-year bill can be higher than the prior owner’s homestead-capped bill. Homestead, over-65, and veteran exemptions only apply after you qualify and the appraisal district processes the application.
No. Property taxes are local. The Comptroller publishes guidance and rate information, but your bill comes from local taxing units stacked on the appraisal district’s value.
Most counties in this state follow the standard FHA floor framework.
FHA 1-unit floor $541,287 · ceiling $1,249,125. Property tax estimates on this page are separate from loan limits.
View Texas FHA loan limitsReturn to the national Property Tax Calculator to compare across states and scenarios.
Statewide effective rates use 2024 ACS owner-occupied data. County rates are median real-estate taxes paid divided by median owner-occupied home value (ACS 2020–2024 5-year). Last reviewed August 13, 2026. Estimates only — confirm with the local taxing authority.
On a $400,000 home, the U.S. benchmark used for comparison is 0.90% ($3,600 / year).