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Texas Property Tax Calculator
Estimate your annual Texas property tax with homestead exemption savings, over-65 credits, and a full breakdown by school, county, and city rates.
Property Details
Effective Tax Rate
2.18%
School 1.080% + County 0.400% + City 0.560%
Estimated Property Tax
Annual Property Tax
$4,578
$381.50 / month
Homestead Savings
Texas Property Tax Rates by County (2026)
Compare effective property tax rates across major Texas counties. Estimated annual tax shown at your entered home value of $350,000.
| County | Effective Rate | School | County | City | Est. Annual Tax |
|---|---|---|---|---|---|
| Harris | 2.18% | 1.080% | 0.400% | 0.560% | $4,578 |
| Dallas | 2.07% | 1.020% | 0.250% | 0.770% | $4,347 |
| Travis | 1.95% | 0.980% | 0.360% | 0.460% | $4,095 |
| Bexar | 2.15% | 1.140% | 0.300% | 0.560% | $4,515 |
| Tarrant | 2.25% | 1.200% | 0.250% | 0.680% | $4,725 |
| Collin | 2.05% | 1.080% | 0.150% | 0.600% | $4,305 |
| El Paso | 2.35% | 1.250% | 0.380% | 0.580% | $4,935 |
| Williamson | 2.10% | 1.100% | 0.350% | 0.500% | $4,410 |
| Denton | 2.00% | 1.050% | 0.220% | 0.550% | $4,200 |
| Fort Bend | 2.30% | 1.150% | 0.480% | 0.520% | $4,830 |
How Texas Property Tax Works
Texas has no state income tax, which means local governments rely heavily on property taxes to fund schools, roads, emergency services, and other public infrastructure. As a result, Texas property tax rates are among the highest in the nation, with an average effective rate of approximately 2.1% of a home's assessed value. Many newcomers to cities like Dallas and Fort Worth choose to rent instead, avoiding property tax entirely while still enjoying the benefits of no state income tax.
Property taxes in Texas are levied by multiple overlapping taxing entities: school districts (which typically account for the largest share), county governments, city governments, and special districts such as hospital districts, water districts, and community colleges. Each entity sets its own rate, and the combined total determines your effective tax rate.
Your county appraisal district determines the market value of your property each year. You have the right to protest your appraisal if you believe the assessed value is too high. Successfully protesting can significantly lower your tax bill.
The Homestead Exemption ($140,000)
If your home is your primary residence, you qualify for the Texas homestead exemption. This exemption reduces your home's taxable value for school district taxes by $140,000 (as of 2026). For example, if your home is appraised at $350,000, only $210,000 is subject to school district taxes.
Counties and cities may also offer additional homestead exemptions, typically a percentage of your home's value (often 20%) or a flat dollar amount. You must apply for the homestead exemption with your county appraisal district — it does not apply automatically.
Over-65 and Disabled Exemptions ($60,000 Additional)
Homeowners who are 65 or older, or who qualify as disabled, receive an additional $60,000 exemption from school district taxes (on top of the $140,000 general homestead exemption). Many counties and cities offer additional exemptions of $3,000 to $60,000+ for qualifying seniors and disabled homeowners.
Importantly, qualifying seniors and disabled homeowners also get a tax ceiling (freeze) on their school district taxes. Once you turn 65 or qualify as disabled, your school taxes cannot increase above the amount you paid the year you qualified — even if your home's value goes up.
The 10% Appraisal Cap
Texas law limits the annual increase in a homestead property's appraised value to no more than 10% per year (plus the value of any new improvements). This protection kicks in automatically for properties with a filed homestead exemption. It means that even in a rapidly appreciating market, your taxable value cannot jump more than 10% from the prior year's appraised value — helping shield homeowners from sudden, large tax increases.
Frequently Asked Questions
How is property tax calculated in Texas? +
What is the Texas homestead exemption? +
Who qualifies for the over-65 or disabled exemption in Texas? +
What is the 10% appraisal cap in Texas? +
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When are Texas property taxes due? +
County Appraisal District Websites
Contact your county appraisal district to file for exemptions, protest your appraisal, or verify your property's assessed value.
Disclaimer: This calculator provides estimates only and is for informational purposes. Actual property taxes depend on your specific exemptions, protest outcomes, and rates set by individual taxing entities. Always verify with your county appraisal district before making financial decisions. Tax rates shown are approximate averages for 2026 and may not reflect recent rate changes by local taxing authorities. This does not constitute tax or legal advice.
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Renting Might Be the Smarter Move
Texas property taxes average 2.1% of home value. Skip the tax bill — find a great apartment and let the landlord worry about it.