Estimate your Texas property tax based on the state's 1.47% average effective rate. Enter your home value for an instant, free calculation.
Enter any tax exemption amount you qualify for in Texas
Texas has no state income tax, so local governments lean heavily on property taxes — giving the state one of the highest effective rates in the country. Homes are appraised at full market value each year, but a homestead's taxable value can't climb more than 10% annually.
Texas has no state property tax. County appraisal districts value property at 100% of market value as of January 1, and local taxing units — counties, cities, school districts, and thousands of special districts — each set their own rates, which are summed and applied to appraised value after exemptions. Homestead appraised values are capped at 10% growth per year.
| Home Value | Estimated Annual Tax | Monthly (Escrow) |
|---|---|---|
| $250,000 | $3,675 | $306/mo |
| $282,000 (median) | $4,145 | $345/mo |
| $600,000 | $8,820 | $735/mo |
Effective rates vary within Texas. These figures are median-tax-to-median-value estimates from U.S. Census ACS data (2019–2023 5-year) for some of the most populous counties:
| County | Effective Rate |
|---|---|
| Harris County | 1.46% |
| Dallas County | 1.41% |
| Tarrant County | 1.47% |
| Bexar County | 1.54% |
| Travis County | 1.34% |
| Collin County | 1.31% |
| Denton County | 1.43% |
| Fort Bend County | 1.65% |
Among these counties, effective rates range from about 1.31% in Collin County to 1.65% in Fort Bend County. Your actual rate depends on the local mill/millage set by your county, city, and school district.
Texas exempts $140,000 of value from school-district taxes for a primary-residence homestead ($150,000 for owners 65 or older or disabled), following the constitutional amendment voters approved in November 2025. Only school districts must offer it; other taxing units may add optional homestead exemptions.
Homeowners 65 or older and disabled homeowners get an added school-tax exemption plus a school-tax ceiling that freezes their school taxes. Disabled veterans receive exemptions scaled to their VA rating ($5,000–$12,000), and veterans rated 100% disabled — or their surviving spouses — owe no property tax on their homestead.
Bills are mailed beginning October 1 and are due by January 31 of the following year. Unpaid taxes become delinquent February 1, when penalty and interest start to accrue.
File a written Notice of Protest with your appraisal district's Appraisal Review Board by May 15, or within 30 days of the date your appraisal notice was delivered, whichever is later.
Texas has one of the highest effective property tax rates in the nation, averaging about 1.31% of home value versus the roughly 0.9% national average. There is no state property tax; all rates are set locally.
As of the November 2025 voter-approved increase, the school-district homestead exemption is $140,000 of value for a primary residence, and $150,000 for owners who are 65+ or disabled.
Bills go out around October 1 and are due by January 31; taxes become delinquent on February 1 with penalties and interest.