Does Texas have a state property tax?

No. Texas property taxes are local, though state law shapes the appraisal, exemption, protest, and tax-rate process.

What homestead exemption does this estimator use?

The estimator uses the Texas school district residence homestead exemption listed by the Comptroller as $140,000, plus the additional school exemption for age 65 or disabled homeowners when selected.

Texas property tax estimator

Estimate the tax bill before you trust the escrow number.

Texas property tax is local. The appraisal district sets the value record, taxing units adopt rates, and the county tax office collects the bill. This estimator turns those local pieces into a planning number.

Estimator

Texas property tax planning number

Enter the local rates as dollars per $100 of taxable value. Use your county appraisal district and tax office for the exact parcel.

Market or appraised valuePrior appraised valueSchool tax rate per $100Other local rates per $100

Residence homestead exemption applies. This includes the statewide school exemption in the estimate.The homestead appraisal cap already applies. Use this after the home has qualified for your homestead long enough for the cap to matter.Age 65 or disabled school exemption. The extra school exemption is included, but local senior exemptions and tax ceilings are not.Optional local homestead percent

Estimated annual tax

$8,190

About $683 per month in escrow, before insurance.

Combined rate entered: $2.1000 per $100
Effective tax rate on market value: 1.82%
School taxable value: $310,000
Other taxable value: $450,000

School part: $2,790. Other local part: $5,400.

Check these before you rely on the number

- The 10 percent homestead appraisal cap is not modeled for the first year. It generally helps after the home has qualified as your homestead.

This is a planning estimate. It does not model tax ceilings, all senior or disabled exemptions, agricultural valuation, disaster exemptions, delinquency, protests, late exemptions, or every local option.

Step 1

Find the appraisal value.

Use the county appraisal district account, not the listing site. Look for market value, appraised value, and exemptions.

Step 2

Use local rates per $100.

Texas rates are usually shown per $100 of taxable value. Split the school rate from the other local rates.

Step 3

Check exemptions and caps.

Homestead exemption, over-65 or disabled status, and the 10 percent appraisal cap can change the taxable value.

Words you will see on Texas records

Use the official labels, then translate them before relying on them.

Appraisal district

The county-level office that appraises property and handles exemptions and protests.

Look here for market value, appraised value, ownership, exemptions, and protest options.

Tax rate per $100

Texas rates are usually shown as dollars of tax for each $100 of taxable value.

A rate of 1.9000 means about $1.90 per $100, not 1.9 mills.

Residence homestead

The home you own and occupy as your principal residence.

File the exemption with the appraisal district, not the lender.

ARB

Appraisal Review Board, the local board that hears property-owner protests.

If you miss the deadline, the ARB path may be much harder.

Where to find the numbers

Three records to pull before you estimate

These are sample labels, not real documents. County sites and tax offices use different layouts.

CAD record

Value and exemption

The appraisal district record shows value, ownership, exemptions, and protest context.

Market value: $450,000
Appraised value: $450,000
Exemptions: HS

HS usually means homestead, but read the local legend.

Tax office

Adopted rates

Use the exact school and local rates for the parcel.

School district: 0.9000
City: 0.4500
County and other: 0.7500

Rates are usually dollars per $100 of taxable value.

Closing estimate

Escrow check

Compare the lender's monthly escrow to your own tax estimate.

Estimated annual tax: $8,100
Monthly escrow: $675
Insurance escrow: Separate

If the lender used last year's partial bill, ask for a revised estimate.

The Texas version in plain English

The Texas surprise is local: appraisal value, adopted rates, exemptions, special districts, and escrow assumptions can drift away from the number a buyer saw on a listing.

The appraisal district generally values property as of Jan. 1. The tax bill comes later, after local units adopt rates. That lag is why a lender's estimate can feel calm at closing and then change after the real bill or escrow review.

The homestead exemption is powerful, but it is not automatic. File it with the appraisal district when you qualify, then verify it appears on the record.

Keep the tax pieces together

Guide

Texas homestead exemption

File the exemption and understand what it changes.

Read guide ->

Guide

Appraisal protests

Read the notice, gather evidence, and watch the deadline.

Read guide ->

Timeline

Homebuyer calendar

Turn closing into reminders for the next tax cycle.

Build timeline ->

Places

Local checks

Find CAD and tax-office links for curated Texas places.

Browse places ->

Sources

The estimator uses official Texas property-tax concepts and user-entered local values.

Data vintage:: Texas Comptroller guidance current as reviewed June 2026
Last reviewed:: June 10, 2026

Texas Comptroller property tax basics - local appraisal, Jan. 1 value date, tax bills, and payment timing
Texas Comptroller property tax exemptions - residence homestead, school exemption, age 65 or disabled exemption, and filing guidance
Texas Comptroller appraisal protests and appeals - ARB protest rights, notice timing, evidence, and protest deadlines
Texas property tax rate lookup - official local tax-rate notices, budgets, and adopted rates by address or taxing unit

Caution: Texas Porch estimates from user-entered rates and values. Appraisal districts, tax assessor-collectors, and taxing units control parcel-specific values, exemptions, bills, and adopted rates.

Spot something that needs a Texas check? This first pass is built to be polished over time. Send the page name, county, parcel context if relevant, and the official source you are looking at. Email Texas Porch.