Free property tax calculator tailored for Texas (TX). Calculate instantly with state-specific rates and rules.
Texas has an effective property tax rate of 1.60%, producing an average annual bill of $4,660. The US national average is 1.07% — Texas's rate is well above, placing it at rank #44 out of 50 states (rank 1 = lowest).
Texas has no state income tax, so property taxes fund the majority of local government and public school costs. Property is assessed at 100% of market value by county appraisal districts (CADs), which are required to appraise at full market value. Texas's property taxes are among the highest in dollar terms nationally.
The Residential Homestead Exemption reduces appraised value by $100,000 for school district taxes (as of 2023 legislation). Additional exemptions exist for seniors (age 65+) who receive a $10,000 school district reduction and a freeze on school district taxes for life. Disabled veterans receive up to 100% exemption on their primary home.
Appraisal increases for homestead properties are capped at 10% per year, providing meaningful protection in appreciating markets. School districts, cities, and counties must limit revenue increases to 3.5% per year (8% for school districts) without voter approval.
Texas has the 7th highest effective property tax rate in the US, driven entirely by local needs — there is no state property tax. The Dallas-Fort Worth, Houston, Austin, and San Antonio metros have among the highest dollar bills nationally. The 2023 homestead exemption increase to $100,000 was the largest property tax cut in Texas history.
The median home value in Texas is $310,000. Austin saw extraordinary appreciation 2020-2022 (50-70%) followed by one of the nation's sharpest corrections in 2023. DFW, Houston, and San Antonio have been more stable, with moderate continued growth. At the 1.60% effective rate, a homeowner at the median value pays roughly $4,660/year in property taxes.
Data: Tax Foundation (2024), US Census Bureau ACS 2023, Zillow, ATTOM Data Solutions. Updated 2024–2025. Figures reflect state averages — consult a licensed professional for personalized advice.
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