Does Texas have a state property tax?

No. Texas has no statewide property tax; rates are set locally by counties, cities, school districts, and special districts. Your total bill is the sum of those overlapping rates applied to your taxable value.

What is the average property tax rate in Texas?

Texas effective property tax rates are among the highest in the nation, typically around 1.6% to 2.0% of market value depending on the county and the mix of local taxing units. The school-district portion is usually the largest piece.

How much is the Texas homestead exemption?

Since 2023 the school-district homestead exemption is $100,000 of assessed value for a primary residence. Counties and cities may add their own optional exemptions, and homeowners 65 or older or disabled can qualify for additional exemptions and a school-tax ceiling.

How is the taxable value calculated?

Taxable value equals the appraised market value minus any exemptions you qualify for. The tax is then taxable value multiplied by the combined local rate, so exemptions directly lower the bill rather than just the rate.

Why is my estimate different from my actual bill?

Rates vary by exact taxing-unit boundaries, appraisal caps can limit year-over-year value increases on a homestead, and additional exemptions may apply. Use the combined rate printed on your appraisal district notice for the closest match.

Texas Property Tax Estimator

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The Texas property tax estimator projects your annual property tax bill from a home’s appraised value, your local combined rate, and the homestead exemption. Texas has no state property tax — every dollar is levied by overlapping local taxing units — and effective rates are among the highest in the country, so an accurate estimate matters for budgeting and home shopping.

How it works

Texas appraises property at 100% of market value. The taxable value is market value − homestead exemption, and the tax is taxable value × combined local rate. With a $350,000 home, the $100,000 school-district homestead exemption leaves $250,000 taxable; at a combined rate of 1.80% that is $250,000 × 0.018 = $4,500 per year, or about $375 per month in escrow. The tool also reports your effective rate — tax as a percentage of full market value — which falls below the nominal rate once the exemption is applied.

Tips and notes

The single combined rate blends your county, city, school district, and special districts, and the school portion is usually the largest. For the closest result, enter the exact combined rate printed on your appraisal district notice rather than the statewide average. Homeowners who are 65 or older or disabled qualify for additional exemptions and a school-tax ceiling, and a homestead’s taxable value increase is capped at 10% per year. Confirm current exemptions and rates at comptroller.texas.gov and your county appraisal district.