Texas Property Tax Calculator 2026

How Texas Property Tax Works

Property tax in Texas is an annual tax levied on real estate by local governments — primarily counties, municipalities, and school districts. The amount you owe is determined by your property's assessed value multiplied by the local mill rate. The statewide effective rate is approximately 1.74% of market value, placing Texas 0.64% above the national average of 1.10%.

The effective rate combines all local levies: county tax, municipal tax, school district tax, and any special assessments. Because Texas has multiple taxing jurisdictions, your actual rate depends heavily on where in the state your property is located. The 1.74% figure is a weighted average across all Texas counties.

On the median Texas home valued at $285,000, the typical annual property tax bill is about $4,959 — or roughly $413 per month when paid through a mortgage escrow account.

Who Collects Property Tax in Texas — and How Rates Are Set

In Texas, property taxes are assessed and collected at the county level. Each county has an assessor who determines property values and a treasurer (or equivalent office) who collects taxes. The state sets the framework and maximum rates; counties, municipalities, and school districts each add their own levies within those limits.

Mill rates (expressed as dollars of tax per $1,000 of assessed value) are set annually based on local budget needs. A mill rate of 10 equals a 1.0% effective rate. Most jurisdictions reassess properties every one to four years, though some reassess annually. If your home's market value rises faster than neighboring properties, your share of the tax burden can increase even if the mill rate stays the same.

To find your exact rate, contact your Texas county assessor's office or check your county's official website. Your most recent property tax bill will also show the breakdown of all levies applied to your parcel.

Texas Property Tax Exemptions and Relief Programs

Texas offers a $100,000 Homestead Exemption for school district taxes on primary residences, plus an additional $10,000 exemption for those 65 or older or disabled.

Veterans may qualify for a partial or full exemption depending on disability rating and service history. Agricultural land often receives a preferential assessment based on use-value rather than market value. If you believe your assessment is incorrect, you have the right to appeal — typically within 30 to 90 days of receiving your assessment notice.

To apply for any exemption, contact your county assessor. Most exemptions require an annual or one-time application and proof of eligibility (residency, age, disability documentation, etc.).

Texas Property Tax Calculator by County: Harris, Dallas, Travis, Bexar, Tarrant (2026)

The 1.74% statewide effective rate masks wide county variation. Verified 2026 effective rates from the Texas Comptroller's property-tax division for the big-five Texas counties: Harris (Houston) 1.94%, Dallas 1.83%, Travis (Austin) 1.69%, Bexar (San Antonio) 1.97%, Tarrant (Fort Worth) 1.87%. Suburb premiums add up to 0.4 percentage points more (Fort Bend, Williamson, Collin, Denton). On a $400,000 home, that's a $7,520 Bexar bill versus $6,760 in Travis — a $760/year difference for the same home value. The state-set $100,000 school homestead exemption (raised by SB 2 in 2023 to current level) cuts the school-district portion of the bill — but the city/county/MUD portion still applies in full. Counties with municipal utility districts (MUDs, common in Houston exurbs) often add another 0.3–0.7% on top of the published county rate; this calculator doesn't auto-include MUD overlays, so confirm your specific parcel rate via your county appraisal district's website for the exact figure.

Tips to Manage Your Texas Property Tax Bill

First, verify your assessment is accurate. Review your property record card at the county assessor's office and check for errors in square footage, bedroom/bathroom count, or lot size. Even small errors can inflate your assessed value and tax bill. If the assessment seems high, look up recent sale prices of comparable homes in your neighborhood and file an appeal if warranted.

Second, apply for every exemption you qualify for. Homestead, senior, veteran, and disability exemptions can reduce your taxable value by thousands of dollars. Third, if your mortgage servicer handles tax payments through escrow, review your escrow statement annually. Servicers sometimes over-estimate and hold excess funds — you may be entitled to a refund. Finally, Texas property taxes are due January 31 each year.