If you own a home in the Lone Star State, you’ve probably wondered: does Texas have property tax? The answer is yes—and it’s a big deal. Since Texas doesn’t collect state income tax, local governments rely heavily on property taxes to fund schools, roads, emergency services, and other community needs. That means property taxes in Texas are often higher than the national average and can significantly impact your household budget.
In this guide, we’ll walk you through how property tax is determined in Texas, how to calculate what you owe, and what options are available if your property tax bill is overwhelming. Whether you’re a new homeowner or a long-time Texan, understanding your tax obligation is key to protecting your home and staying financially secure.
Does Texas Have Property Tax?
Yes, Texas has property tax, but unlike some other states, it’s not administered at the state level. Instead, it’s imposed and collected by local taxing entities such as counties, cities, school districts, and special-purpose districts. This local control is what causes property tax rates to vary so widely across the state.
How Is Property Tax Determined in Texas?
In Texas, your property tax bill is determined by two key components: the appraised value of your home and the local tax rates set by various taxing authorities. The appraised value represents the market value of your property as of January 1 each year, as assessed by your county’s appraisal district. It reflects the estimated price your home would sell for in today’s market. Local tax rates, on the other hand, are established by your city, school district, and other local entities. These individual rates are combined into a total tax rate, which is then applied to your appraised value. So, if you’re asking how is property tax determined in Texas, the answer lies in the intersection of your home’s current value and the funding needs of your local government.
How to Calculate Property Tax in Texas
To figure out how to calculate property tax in Texas, use this simple formula:
Appraised Value × Combined Tax Rate = Annual Property Tax
Let’s say your home is appraised at $325,000 and the total local tax rate is 2.3%. Here’s what your tax bill would look like:
$325,000 × 0.023 = $7,475
While the exact rate depends on where you live, most Texas homeowners can expect rates between 1.6% and 2.5% in 2025. For example, some fast-growing urban and suburban counties have rates well above 2%.
2025 Texas Counties With the Highest Property Tax Rates
As of 2025, the following counties have some of the highest effective property tax rates in Texas. These areas tend to have rapidly growing populations and high demand for public services, which often results in higher tax rates to support local infrastructure, schools, and municipal needs.
The following counties have some of the highest effective property tax rates in Texas:
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Fort Bend County property tax – 2.48%
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Tarrant County property tax – 2.37%
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Harris County property tax – 2.31%
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Williamson County property tax – 2.22%
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Collin County property tax – 2.19%
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Dallas County property tax – 2.18%
These higher rates reflect strong demand for services in growing metro areas and suburban districts.
2025 Texas Counties With the Lowest Property Tax Rates
Looking for relief? These counties currently offer the lowest property tax rates in Texas, making them attractive for homeowners seeking a lower annual tax burden. These areas are typically more rural with lower property values and fewer public service demands, which helps keep rates comparatively low.
Here are counties currently offer the lowest property tax rates in Texas:
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Sabine County property tax – 0.64%
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Crockett County property tax – 0.66%
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Terrell County property tax – 0.67%
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Ward County property tax – 0.76%
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Zapata County property tax – 0.76%
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Kent County property tax – 0.81%
These rural areas tend to have lower property values and less demand for high-budget public services.
How to Lower Your Property Taxes
Feeling like your tax bill is too high? You have options:
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File a protest – If you believe your home’s appraised value is incorrect, you can file a formal protest with your appraisal district. Providing evidence such as recent sales data or photos showing needed repairs can strengthen your case.
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Apply for exemptions – Texas offers homestead, over-65, disability, and veteran exemptions that can reduce your taxable value.
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Consider a property tax loan – If your bill is unmanageable, a property tax loan from Home Tax Solutions can help you avoid penalties, interest, and foreclosure. We offer fast approvals, flexible repayment, and peace of mind.
The Texas Property Tax Timeline
Understanding the property tax calendar in Texas helps you avoid late fees and plan ahead:
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January 1 – Appraisal date (home value is assessed)
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April–May – Appraisal notices mailed
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May 15 – Protest deadline (varies slightly by county)
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October – Tax bills issued
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January 31 – Tax payment deadline
Miss the deadline? Interest and penalties begin accruing starting February 1.
Let Home Tax Solutions Help
Still feeling overwhelmed by property taxes in Texas? You’re not alone. Knowing how property tax is determined and how to calculate property tax in Texas is the first step, but having a partner can make all the difference.
At Home Tax Solutions, we specialize in helping Texas homeowners stay current on their taxes with fast, affordable property tax loans. Whether you need time to pay off your 2025 property tax bill or want expert guidance on your options, we’re here to help.
Contact us today to learn more or get started.
