Texas Porch

Local Notes

Small Texas details that matter.

Short notes for property tax quirks, appraisal deadlines, insurance catches, homebuyer details, and local context that does not need a full guide yet.

Browse by county 2,939 local notes across 254 counties Find your county ->

Texas-wide notes

Property tax

Texas does not have a state property tax

The bill is local, but the rules are state-shaped.

Homestead

The school homestead exemption is now $140,000

For a qualifying residence homestead, the school-tax taxable value starts much lower than market value.

Appeals

The protest deadline is usually May 15 or 30 days after notice

The deadline is easy to miss because it is tied to the appraisal notice.

Appraisal

Texas appraisal value is generally a Jan. 1 snapshot

The value date is not the day you get the notice.

Local districts

MUDs and PIDs can change the monthly feel of a house

A newer subdivision can carry extra district taxes or assessments.

Closing

The owner title policy is negotiable, but local custom is real

Texas contracts and local practice often decide who pays.

Vehicles

Most Texas cars no longer need the old safety inspection

The registration bill still has inspection-related wrinkles.

Insurance

Coastal homes need a windstorm conversation

A normal homeowners quote may not answer the wind and hail question.

Gulf Coast

Insurance

Flood risk is not only a coastal problem

Hill Country creeks and Houston bayous can both make flood insurance worth checking.

Everyday cost

Texas sales tax stacks state and local pieces

The statewide 6.25 percent rate is not always the register total.

Places

A Texas mailing address is not a city-limit answer

Postal identity, city services, zoning, police, STR rules, and taxes can split apart.

New homes

New construction tax bills can start incomplete

The prior bill may show land only or partial improvement value.