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Overview of Texas Taxes

Texas has some of the highest property taxes in the U.S. The average effective property tax rate in the Lone Star State is 1.94%, the 4th highest rate of any state.

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To calculate the exact amount of property tax you will owe requires your property's assessed value and the property tax rates based on your property's address. Please note that we can only estimate your property tax based on median property taxes in your area. There are typically multiple rates in a given area, because your state, county, local schools and emergency responders each receive funding partly through these taxes. In our calculator, we take your home value and multiply that by your county's effective property tax rate. This is equal to the median property tax paid as a percentage of the median home value in your county.

Texas Property Taxes

Photo credit: ©iStock.com/Dave Newman

Texas has some of the highest property taxes in the U.S. The average effective property tax rate in the Lone Star State is 1.94%, the 4th highest rate of any state. Those taxes are the primary source of revenue for local governments, and fund local services like schools, water systems and law enforcement. In total, there are over 3,900 local entities who can collect property taxes in Texas. That includes every city,county and school district.

How Do Texas Property Taxes Work?

Residential property in Texas is appraised annually by county appraisal districts. The appraisal districts are responsible for determining the current market value of all property within the county, on which tax payments are based. Disagreements about any findings are brought to an appraisal review board made up of local citizens.

Homes are appraised at the beginning of the year, and appraisal review board hearings generally begin in May. Tax bills are sent out beginning on October 1, and are due by January 31 of the following year.

There are a number of exemptions that help lower your property taxes in Texas. The most common is the Homestead Exemption. The homestead exemption is available to homeowners in their primary residence, and is equal to $15,000.

However, only school districts are required to offer this exemption (other types of taxing districts have the option of doing so). So, if your home is worth $150,000 and you receive the homestead exemption, the school district tax rate will only apply to $135,000 of you home value.

Persons who are older than 64 or disabled can claim an additional exemption of $10,000. Like the homestead exemption, only school districts are required to offer this exemption.

Texas Property Tax Rates

Property tax rates in Texas are recalculated each year after all property in the county has been appraised. They are calculated based on the total property value and total revenue need. In a given area, however, they typically do not change drastically year to year.

Tax rates are levied as a percentage of each home’s appraised value. So, for example, if your total tax rate is 1.5%, and your home value is $100,000, you will owe $1,500 in annual property taxes. The table below shows average tax rates in every county in Texas, as well as average annual tax payments, and average home values.

CountyMedian Home ValueMedian Annual Property Tax PaymentAverage Effective Property Tax Rate
Anderson$82,000$1,1311.38%
Andrews$88,600$9331.05%
Angelina$84,800$1,1601.37%
Aransas$130,900$1,4741.13%
Archer$100,300$1,3301.33%
Armstrong$94,100$1,1861.26%
Atascosa$82,900$1,2141.46%
Austin$150,000$2,0761.38%
Bailey$56,500$9541.69%
Bandera$143,600$1,8761.31%
Bastrop$117,700$2,2351.90%
Baylor$72,800$8971.23%
Bee$73,000$1,0741.47%
Bell$122,600$2,3221.89%
Bexar$123,700$2,6232.12%
Blanco$162,500$2,1711.34%
Borden$100,000$4870.49%
Bosque$90,800$1,1721.29%
Bowie$95,100$1,3811.45%
Brazoria$148,000$2,9822.01%
Brazos$151,400$2,7961.85%
Brewster$111,000$1,3621.23%
Briscoe$51,600$6861.33%
Brooks$47,300$6541.38%
Brown$87,600$1,2551.43%
Burleson$87,800$1,0911.24%
Burnet$152,600$2,0081.32%
Caldwell$104,000$1,8151.75%
Calhoun$98,100$1,1081.13%
Callahan$74,300$8851.19%
Cameron$78,300$1,3981.79%
Camp$103,100$1,3341.29%
Carson$87,700$1,1151.27%
Cass$77,400$9591.24%
Castro$68,500$1,1701.71%
Chambers$144,900$2,2531.55%
Cherokee$76,300$9731.28%
Childress$62,700$9831.57%
Clay$81,600$1,2891.58%
Cochran$35,500$4531.28%
Coke$70,400$8181.16%
Coleman$60,900$7051.16%
Collin$206,100$4,3942.13%
Collingsworth$66,400$9681.46%
Colorado$109,600$1,4371.31%
Comal$205,000$2,8291.38%
Comanche$73,700$1,1021.50%
Concho$76,100$9331.23%
Cooke$117,100$2,0081.71%
Coryell$97,400$1,6901.74%
Cottle$41,400$5101.23%
Crane$66,800$6130.92%
Crockett$56,200$3720.66%
Crosby$55,400$9321.68%
Culberson$46,600$7481.61%
Dallam$70,700$9521.35%
Dallas$128,300$2,8052.19%
Dawson$55,700$9251.66%
Deaf Smith$80,200$1,3471.68%
Delta$71,600$1,1601.62%
Denton$184,100$3,9112.12%
DeWitt$80,700$9301.15%
Dickens$48,400$5231.08%
Dimmit$49,900$5261.05%
Donley$61,100$8971.47%
Duval$52,700$4760.90%
Eastland$61,200$7171.17%
Ector$91,200$1,1931.31%
Edwards$70,500$6730.95%
El Paso$111,800$2,3362.09%
Ellis$137,500$2,5511.86%
Erath$111,100$1,5211.37%
Falls$60,800$7871.29%
Fannin$92,600$1,3881.50%
Fayette$130,300$1,4611.12%
Fisher$62,200$8621.39%
Floyd$61,200$7931.30%
Foard$37,500$6171.65%
Fort Bend$183,600$4,4252.41%
Franklin$92,800$1,1951.29%
Freestone$76,900$8871.15%
Frio$62,900$1,0001.59%
Gaines$93,000$1,0611.14%
Galveston$148,600$2,8961.95%
Garza$72,000$7311.02%
Gillespie$216,600$2,4301.12%
Glasscock$119,100$7150.60%
Goliad$111,600$1,0390.93%
Gonzales$77,500$1,1761.52%
Gray$68,000$1,0341.52%
Grayson$104,500$1,6571.59%
Gregg$121,300$1,7211.42%
Grimes$92,900$1,0961.18%
Guadalupe$156,000$2,5461.63%
Hale$70,800$1,1181.58%
Hall$42,700$7051.65%
Hamilton$91,500$1,4281.56%
Hansford$72,900$1,0421.43%
Hardeman$46,800$7291.56%
Hardin$100,400$1,2621.26%
Harris$131,400$3,0092.29%
Harrison$108,700$1,2911.19%
Hartley$143,700$2,0971.46%
Haskell$45,200$5701.26%
Hays$175,600$3,5252.01%
Hemphill$97,800$1,3691.40%
Henderson$87,800$1,1511.31%
Hidalgo$78,100$1,5131.94%
Hill$83,400$1,2701.52%
Hockley$79,300$1,1271.42%
Hood$150,900$1,7991.19%
Hopkins$94,000$1,4051.49%
Houston$74,300$8491.14%
Howard$65,900$9131.39%
Hudspeth$41,400$5191.25%
Hunt$93,500$1,5591.67%
Hutchinson$63,300$8901.41%
Irion$76,100$7901.04%
Jack$76,700$9441.23%
Jackson$84,400$1,2741.51%
Jasper$82,200$8170.99%
Jeff Davis$104,300$1,1401.09%
Jefferson$96,200$1,6201.68%
Jim Hogg$50,700$6781.34%
Jim Wells$69,000$8861.28%
Johnson$113,900$1,9901.75%
Jones$61,500$8801.43%
Karnes$75,000$8451.13%
Kaufman$129,500$2,7602.13%
Kendall$274,400$4,0081.46%
Kenedy$56,200$4290.76%
Kent$64,300$5480.85%
Kerr$150,700$2,0331.35%
Kimble$85,100$1,1511.35%
King$91,000$8430.93%
Kinney$65,800$8181.24%
Kleberg$74,500$1,3411.80%
Knox$40,900$6991.71%
La Salle$48,200$4921.02%
Lamar$85,300$1,1991.41%
Lamb$56,900$6951.22%
Lampasas$129,100$1,8971.47%
Lavaca$92,800$1,0251.10%
Lee$118,400$1,4841.25%
Leon$90,300$9081.01%
Liberty$84,400$1,3471.60%
Limestone$83,200$9131.10%
Lipscomb$89,400$1,0501.17%
Live Oak$85,500$7190.84%
Llano$159,000$1,5410.97%
Loving$86,000$1,2501.45%
Lubbock$108,700$1,8771.73%
Lynn$70,200$1,3291.89%
Madison$94,200$9701.03%
Marion$72,900$6750.93%
Martin$72,200$8531.18%
Mason$170,100$1,3590.80%
Matagorda$92,000$1,2421.35%
Maverick$86,300$1,1531.34%
McCulloch$69,300$8671.25%
McLennan$108,300$1,8381.70%
McMullen$63,200$5430.86%
Medina$112,900$1,5901.41%
Menard$56,400$8321.48%
Midland$148,600$2,0701.39%
Milam$78,400$1,0301.31%
Mills$104,100$1,1031.06%
Mitchell$45,800$7431.62%
Montague$86,000$1,1071.29%
Montgomery$166,200$3,3542.02%
Moore$85,600$1,1361.33%
Morris$69,900$8751.25%
Motley$59,800$5971.00%
Nacogdoches$101,700$9270.91%
Navarro$79,500$1,2501.57%
Newton$77,500$7761.00%
Nolan$52,200$7531.44%
Nueces$110,300$2,1261.93%
Ochiltree$80,100$1,2371.54%
Oldham$83,700$1,4541.74%
Orange$91,900$1,2611.37%
Palo Pinto$85,200$1,0911.28%
Panola$83,900$9001.07%
Parker$152,900$2,6411.73%
Parmer$86,400$1,2491.45%
Pecos$64,300$6030.94%
Polk$78,600$9181.17%
Potter$85,900$1,4701.71%
Presidio$48,500$8211.69%
Rains$96,300$1,2811.33%
Randall$141,900$2,4571.73%
Reagan$66,200$7241.09%
Real$102,200$8610.84%
Red River$69,200$7891.14%
Reeves$40,100$5691.42%
Refugio$66,300$7021.06%
Roberts$104,600$1,1051.06%
Robertson$77,400$8741.13%
Rockwall$187,800$3,9422.10%
Runnels$59,100$9721.64%
Rusk$93,000$9841.06%
Sabine$69,300$5410.78%
San Augustine$68,100$5050.74%
San Jacinto$88,200$1,1451.30%
San Patricio$89,800$1,5541.73%
San Saba$71,300$8881.25%
Schleicher$86,400$8931.03%
Scurry$87,200$1,1201.28%
Shackelford$66,200$1,2431.88%
Shelby$72,000$5920.82%
Sherman$81,900$1,1361.39%
Smith$120,800$1,6451.36%
Somervell$139,900$1,4731.05%
Starr$62,900$5650.90%
Stephens$72,400$9771.35%
Sterling$71,900$7851.09%
Stonewall$49,900$7301.46%
Sutton$80,700$9341.16%
Swisher$62,600$1,0161.62%
Tarrant$136,400$3,1912.34%
Taylor$95,800$1,4461.51%
Terrell$57,000$4420.78%
Terry$64,900$9901.53%
Throckmorton$57,500$8431.47%
Titus$91,600$1,2011.31%
Tom Green$99,000$1,3461.36%
Travis$219,200$4,3331.98%
Trinity$80,100$7560.94%
Tyler$75,100$7140.95%
Upshur$89,400$1,1851.33%
Upton$48,500$2940.61%
Uvalde$68,600$9181.34%
Val Verde$91,900$1,3391.46%
Van Zandt$96,900$1,2321.27%
Victoria$110,200$2,0131.83%
Walker$109,900$1,4741.34%
Waller$133,400$2,0661.55%
Ward$57,300$3930.69%
Washington$147,800$1,9981.35%
Webb$108,800$2,5002.30%
Wharton$95,600$1,6281.70%
Wheeler$76,600$8241.08%
Wichita$89,800$1,6591.85%
Wilbarger$62,000$1,0471.69%
Willacy$48,800$7201.48%
Williamson$178,900$3,9482.21%
Wilson$143,500$2,3311.62%
Winkler$45,100$5441.21%
Wise$121,900$1,7861.47%
Wood$99,900$1,3061.31%
Yoakum$71,100$6970.98%
Young$84,300$1,1561.37%
Zapata$55,700$4690.84%
Zavala$39,900$3910.98%

Harris County

Harris County, which contains Houston and the surrounding suburbs, has some of the highest property taxes not just in Texas but in the entire country. The average effective property tax rate in Harris County is 2.3%, double the national average. That average rate incorporates all types of taxes, including school district taxes, city taxes and special district levies. The general countywide rate is 0.41%. The city rate in Houston is 0.64%.

The highest rates, however, are those levied by school districts. The Houston School District rate is about 1.19%. In combination with the city and county rates above, that means people in the city of Houston face a rate of at least 2.24%, plus any special district levies. In Pasadena, the second largest city in the county, the school district rate is 1.35%, and the city rate is 0.59%.

Dallas County

Property tax rates in Dallas County are slightly lower than those in Harris County, but still significantly higher than the national average. The average homeowner in Dallas County pays $2,805 a year in taxes, good for an effective tax rate of about 2.2%.

More than half of that tax goes to local schools. For example, in the city of Dallas, the total rate (without including any special levies) is 2.32%, but the school district rate alone is 1.28%.

Tarrant County

Tarrant County sits west of Dallas and contains the cities of Fort Worth and Arlington. It has the second highest property taxes in the entire state, with an average effective rate of 2.34%. That means that if your home is worth $200,000, you could expect to pay about $4,600 annually in taxes.

Property taxes are higher in Fort Worth than in Arlington. Residents of both cities pay the county’s general rate of 0.264%. In Fort Worth, however, the city rate is 0.855% and the school district rate is 1.322%. That adds up to a total rate of 2.441%. In Arlington, the total rate is about 2.204%.

Photo credit: ©iStock.com/Wildroze

Bexar County

The 4th largest Texas county by population, Bexar County has property taxes that are slightly higher than the state average. The average homeowner in Bexar County pays $2,623 annually in property taxes. In San Antonio, the county’s largest city and the second largest city in the entire rate, the tax rate is 2.25%. That does not include any special districts. Many areas of Bexar County are subject to a levy to pay for one of 12 Emergency Services Districts. Those rates range from .05% to 0.10%.

Travis County

Travis County contains the state capital of Austin, as well as some of the surrounding cities and towns. The countywide property tax rate is 0.4946%. In addition to that rate, cities and school districts levy their own rates. In Austin, the city rate is 0.5027% and the school district rate is 1.242%. That yields a total rate of 2.2393% (not including special districts). Other nearby cities have even higher rates. In Pflugerville, the total rate is over 2.6%. In Manor, the rate is more than 2.8%.

El Paso County

El Paso County is in western Texas, bordering both Mexico and the state of New Mexico. The average homeowner in the county pays $2,336 annually in property taxes, only slightly higher than the U.S. average. However, the average home value in El Paso County is significantly lower than the U.S. average, which means county residents in fact pay higher property tax rates than most Americans. The average effective property tax rate in El Paso County is 2.09%.

Collin County

The seventh most populous county in Texas, Collin County also has the fourth highest property taxes. This is driven largely by the high rates used to fund local school districts. The Plano Independent School District levies a property tax rate of 1.453%, contributing to the city’s total rate of 2.18%. The Frisco Independent School District rate is 1.46%, more than half of the total rate of 2.16%. Homeowners in these areas should remember to claim the homestead exemption, as doing so would save them over $200 per year.

Hidalgo County

Hidalgo County sits in south Texas, along the U.S. – Mexico border. The average effective property tax rate in Hidalgo county is 1.94%, 11th highest in the state. The county’s largest city, McAllen, has a total tax rate of 2.19%. That includes the countywide levy of 0.59%, the city levy of 0.4313%, and the school district rate of 1.165%. It does not include any applicable special districts.

Denton County

Denton County is part of the Dallas-Fort Worth metropolitan area, and sits north of those two cities. The average Denton County homeowner pays $3,911 annually in property taxes, on a median home value of $184,100. The city of Denton has some of the highest total property taxes in the area. When including city, county, and school levies, the total rate in the city of Denton is over 2.5%. In Lewisville, the county’s second largest city, the rate is lower – 2.20%.

Fort Bend County

Fort Bend County is the 10th largest county in Texas, but it has the highest property taxes. The average homeowner in the county pays $4,425 each year in taxes, equal to an effective tax rate of 2.41%. This both rank first in the state of Texas, and are more than double the national averages.

This is in part driven by the high number of special tax districts in the county. Fort Bend County over 200 special districts that levy property taxes for specific purposes. In Sugarland, the largest city in the county, the tax rate without including those districts is 2.13%.

Property Tax: Which Counties are Getting the Best Bang for Their Buck

SmartAsset’s interactive map highlights the places across the country where property tax dollars are being spent most effectively. Zoom between states and the national map to see the counties getting the biggest bang for their property tax buck.

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Rank County Property Tax Rate School Rating Crimes Per 100k People

Methodology

Our study aims to find the places in the United States where people are getting the most for their property tax dollars. To do this we looked at school rankings, crime rates and property taxes for every county.

As a way to measure the quality of schools, we calculated the average math and reading/language arts proficiencies for all the school districts in the country. Within each state, these schools were then ranked between 1 and 10 (with 10 being the best) based on those average scores.

For each county, we calculated the violent and property crimes per 100,000 residents.

Using the school and crime numbers, we calculated a community score. This is the ratio of the school rank to the combined crime rate per 100,000 residents.

We used the number of households, median home value and average property tax rate to calculate a per capita property tax collected for each county.

Finally, we calculated a tax value by creating a ratio of the community score to the per capita property tax paid. This shows us the counties in the country where people are getting the most bang for their buck, or where their property tax dollars are going the furthest.

Sources: US Census Bureau 2015 American Community Survey, Department of Education, Federal Bureau of Investigation, State Police or Justice Department websites

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