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Estimate annual Texas property taxes from your home's appraised value, county tax rates, and homestead exemptions — including the $140,000 school district exemption (Prop 13) and senior/disabled options.
Estimates only. Actual bills depend on your Central Appraisal District (CAD), city, MUD, ISD, and voter-approved rates. File Form 50-114 with your CAD for official exemptions. Not tax or legal advice.
School district: $140,000 off appraised value. Other taxing units: $40,000 minimum (estimate).
Adds $60,000 school exemption ($200,000 total). School tax ceiling may apply — not modeled here.
Updates automatically. Rates are effective annual estimates.
Because Texas does not impose a state income tax, local entities like public schools, cities, counties, and special districts rely on property taxes for their funding. Protest appraisals with your CAD if value seems too high.
Typical combined effective rates (school + county + city + special districts). Click to apply in the calculator.
| Exemption | Amount / benefit | Who qualifies |
|---|---|---|
| School district (general) | $140,000 | Primary residence homestead (Prop 13, 2025+) |
| School — age 65+ or disabled | $200,000 total | Extra $60,000 on school taxes + possible tax ceiling |
| County / city / other units | $40,000 min. | State minimum; some localities offer more (up to 20% optional) |
| 10% appraisal cap | Cap on value growth | Homestead — limits annual appraised value increase (separate from exemptions) |
| Disabled veteran | Partial to 100% exemption | Based on VA disability rating — apply via Form 50-135 |
| Agricultural / wildlife | Open-space valuation | Land use qualification — not for typical suburban homes |
How to file: Submit Form 50-114 to your county Central Appraisal District (CAD), usually by April 30 of the tax year. New homeowners should file after closing even if past January 1.
Each taxing unit sets a rate per $100 of taxable value. Your bill is the sum of all units (ISD, county, city, community college, hospital, MUD, etc.).
| Step | Formula |
|---|---|
| 1. Appraised value | Set by your CAD each spring |
| 2. Minus exemptions | School, county, city, and special district rules differ |
| 3. Taxable value | Appraised value − exemptions (per unit) |
| 4. Tax owed | (Taxable ÷ 100) × tax rate for each unit |
This calculator splits the combined rate into school (~48%) and other (~52%) portions and applies Texas homestead exemption amounts to each part.
Texas homeowners pay some of the highest property tax rates in the U.S.. Property taxes are levied by cities, counties, school districts, and special entities. Each group charges a tax based on your home's assessed value, minus any tax breaks or exemptions you receive
Use this free Texas property tax calculator to estimate your annual bill before escrow or budgeting. It reflects the $140,000 school homestead exemption approved by Texas voters (Proposition 13, November 2025), retroactive to the 2025 tax year — a major change for Houston, Dallas, Austin, San Antonio, and suburbs statewide.
| Region / county | Typical effective rate |
|---|---|
| Texas statewide average | ~1.74% |
| Harris County (Houston) | ~2.10–2.25% |
| Dallas County | ~2.15–2.35% |
| Travis County (Austin) | ~1.90–2.05% |
| Bexar County (San Antonio) | ~2.05–2.20% |
| Tarrant County (Fort Worth) | ~2.10–2.25% |
| Collin / Denton (North DFW) | ~1.75–2.00% |
Multiply your taxable value (appraised value minus exemptions) by each taxing unit's rate per $100 of value, then add all units together. This tool uses a combined effective rate for your county plus standard homestead exemptions.
School districts must exempt $140,000 of appraised value for a general residence homestead (Proposition 13). Homeowners 65 or older or disabled receive an additional $60,000 school exemption ($200,000 total) and may qualify for a school tax ceiling.
Bills are usually mailed in October. Many counties offer discounts for paying early (e.g. by November or December). Delinquent dates vary — check your county tax assessor-collector.
File all exemptions with your CAD, protest your appraisal if market value is too high, and review every line on your bill (ISD, MUD, city, county). Homestead status also activates the 10% annual appraisal cap on value growth.
Fast growth and rising home values also push tax bills higher even when rates stay flat.
Each Texas county has a CAD (e.g. HCAD in Harris, DCAD in Dallas) that appraises property values and approves exemptions. Tax assessor-collectors collect the actual payments.
Texas Property Tax Calculator