Everything is bigger in Texas, including the property tax bills. In 2025, the statewide average effective property tax rate remains close to 1.8% of a home’s appraised value, though homeowners in some counties still face rates higher than 3% depending on the city or school district. Location continues to be the single biggest factor in determining your property tax bill.
If your property taxes feel overwhelming, a property tax loan can help you stay current, avoid penalties, and protect your home while giving you more time to repay the balance on manageable terms.
Fortunately, there are still parts of Texas where homeowners benefit from the lowest property taxes in Texas. Below, we highlight the five counties where residents pay the least in 2025, along with a full breakdown of property tax rates by county in Texas for the lowest 15 counties.
Counties with the Lowest Property Taxes in Texas
1. Terrell County – $285 | 0.67%
Terrell County remains at the top with the lowest property tax bills in Texas. With fewer than 1,000 residents, the rural county seat of Sanderson keeps median bills around just $285 per year, thanks to a low 0.67% countywide tax rate.
2. Ward County – $342 | 0.76%
Ward County homeowners pay an average of $342 annually, with a county tax rate of 0.76%. While Monahans residents may pay more in city taxes, those living in unincorporated areas enjoy some of the lowest property tax bills statewide.
3. Zapata County – $359 | 0.76%
Zapata County continues to stand out for its low property tax burden. With no incorporated cities, homeowners across the county benefit from the same 0.76% tax rate, paying just under $360 annually.
4. Upton County – $359 | 0.84%
Upton County matches Zapata’s median tax bill of $359 per year, though with a slightly higher rate of 0.84%. Smaller populations and fewer city-level tax structures help keep overall bills low.
5. Zavala County – $369 | 1.00%
Zavala County rounds out the top five with a median tax bill of $369 and a flat 1.00% county tax rate. Residents in unincorporated areas pay far less than those in Crystal City, where city-level taxes drive bills much higher.
Other counties with some of the lowest property tax rates by county in Texas include Kent, Crockett, Kinney, Dickens, and Pecos. While their bills fall outside the top five, they still offer some of the most affordable property taxes in the state.
| Rank | County | Median Property Tax Bill | County Tax Rate |
|---|---|---|---|
| 1 | Terrell | $285 | 0.67% |
| 2 | Ward | $342 | 0.76% |
| 3 | Zapata | $359 | 0.76% |
| 4 | Upton | $359 | 0.84% |
| 5 | Zavala | $369 | 1.00% |
| 6 | Kent | $396 | 0.81% |
| 7 | Crockett | $401 | 0.66% |
| 8 | Kinney | $405 | 0.87% |
| 9 | Dickens | $409 | 0.93% |
| 10 | Pecos | $422 | 0.83% |
| 11 | Sabine | $434 | 0.64% |
| 12 | Duval | $440 | 0.83% |
| 13 | Cottle | $455 | 1.07% |
| 14 | Winkler | $465 | 1.20% |
| 15 | Brooks | $469 | 1.00% |
Don’t Live in One of These Low-Tax Counties? We Can Help
If you don’t live in one of the counties with the lowest property tax rates in Texas, you may face higher bills each year. At Home Tax Solutions, we provide affordable property tax loans to homeowners across all 254 Texas counties. Whether you live in Dallas, Harris, Travis, or any high-tax county, we can help you manage your annual property tax bill with zero money due at closing and flexible repayment options.
You can also use our new Property Tax Loan Calculator to estimate monthly payments, compare options, and see how a tax loan could help ease your financial burden. It only takes a few minutes to calculate property tax loans tailored to your county and budget.
If you’ve been wondering what county in Texas has the lowest property taxes, the list above gives you the 2025 answer. But if you’re struggling with a higher bill in your county, let us help you find relief today.
Contact Home Tax Solutions now to learn more about property tax loan options in your county.
