What is the property tax rate in El Paso?

El Paso has one of the higher effective property tax rates among large US cities, around 2.24% of market value when city, county, school, and special-district levies are combined. The exact rate varies by taxing jurisdiction within the county.

How does the Texas homestead exemption work?

Texas offers a general residence homestead exemption that removes a fixed amount of taxable value from your primary home for school taxes, plus optional local exemptions. This calculator subtracts your total exemption before applying the rate.

Is the tax based on market value or assessed value?

Texas appraises property at 100% of market value, so assessed and market value are generally the same. Homestead properties have a 10% annual cap on appraised-value increases, which can hold assessed value below market over time.

Why is El Paso property tax high if home prices are low?

Texas has no state income tax, so local governments rely heavily on property taxes to fund schools and services. The high rate offsets the relatively low home values, keeping total dollar bills moderate.

Are seniors or disabled owners eligible for more relief?

Yes. Texas provides additional homestead exemptions and a school-tax ceiling for owners 65 and older or those with disabilities. Enter the extra exemption amount in the tool to model that relief.

El Paso Property Tax Estimator

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El Paso carries one of the higher effective property tax rates among large US cities — roughly 2.24% of market value once city, county, school district, and special-district levies are combined. This estimator applies that rate to your home’s value after the Texas homestead exemption and shows both the annual bill and a monthly escrow figure.

How it works

Texas appraises homes at full market value, then exemptions reduce the taxable base before the rate applies:

taxable value = market value − homestead exemption − other exemptions
annual tax     = taxable value × effective rate
monthly escrow = annual tax / 12

Because Texas levies no state income tax, local governments lean heavily on property tax, which is why El Paso’s rate sits well above the national average even though home prices are modest.

Example and tips

On a $220,000 home with a $40,000 homestead exemption, the taxable value is $180,000. At a 2.24% effective rate the annual tax is about $4,032, or roughly $336 per month in escrow. If you are 65 or older, add the senior exemption and any school-tax ceiling to lower the figure further. Always confirm your exact rate and exemptions with the El Paso Central Appraisal District, since the combined rate varies slightly by location within the county.