Texas Property Tax Calculator
Texas does not have a state income tax, but it relies heavily on local property taxes, which are among the highest in the nation with an average effective rate near 1.7%. Property tax in Texas equals the appraised value of your property (set by the county appraisal district) multiplied by the combined rate from all taxing units: county, city, school district, and any special districts. The rate is expressed in dollars per $100 of value. You may also deduct any exemptions (such as the homestead exemption) from the appraised value before applying the rate. Enter your appraised value, any exemption, and the combined tax rate to estimate your annual property tax.
Texas property tax formula
Taxable Value = Appraised Value - Exemptions
Annual Tax = Taxable Value x (Rate / 100)
Monthly Escrow = Annual Tax / 12
The rate is entered in dollars per $100 of taxable value, which is the standard Texas convention. Divide the rate by 100 to get the decimal multiplier. For example, a rate of 2.50 per $100 equals 0.025 (2.5%) applied to the taxable value.
How Texas property tax rates work
Each taxing unit (county, city, school district, hospital district, etc.) sets its own tax rate. The rates are added together to form your combined rate. County appraisal districts appraise all property at 100% of market value each year. Texas law caps annual increases in appraised value for homestead properties at 10% per year.
To find the current rate for your county, visit your county appraisal district website or the Texas Comptroller's property tax data portal at comptroller.texas.gov.
Texas property tax FAQ
How is Texas property tax calculated?
Texas property tax equals the assessed (appraised) value multiplied by the combined tax rate from all taxing units that cover your property. Your county appraisal district sets the appraised value. The rate is the sum of county, city, school district, and any special district rates, expressed in dollars per $100 of value.
What is the Texas homestead exemption?
Texas homeowners who use their property as a primary residence may claim a homestead exemption. For school district taxes, the mandatory homestead exemption is $100,000 of assessed value as of 2023 legislation (HB 3). Individual counties and cities may offer additional optional exemptions. Apply with your county appraisal district.
Does Texas have a state property tax?
No. Texas does not have a state property tax. All property taxes are levied by local governments: counties, cities, school districts, and special taxing districts. Rates vary significantly by location.
When are Texas property taxes due?
Texas property tax bills are typically mailed in October and are due January 31 of the following year without penalty. A penalty and interest begin accruing on February 1. Some counties offer an installment plan for qualifying homeowners.
How do I protest my Texas property tax appraisal?
You can file a protest with your county appraisal review board (ARB) by the deadline shown on your appraisal notice, usually May 15 or 30 days after the notice is mailed, whichever is later. Evidence of comparable sales or a lower market value can support your protest.
Official sources
- Texas Comptroller of Public Accounts: Property Tax Overview.
- Texas Property Tax Code (Tax Code Chapter 11): Exemptions.
Reviewed by the CalculatorHub team, edited by James Graham, 15 June 2026. See our methodology.