Texas Property Tax Calculator 2026

Calculate property taxes in Texas. The average effective property tax rate in TX is 1.24%, which is above the national average of 0.89%. Estimate your annual property tax bill.

By Konstantin Iakovlev · Updated October 19, 2026 · Methodology

$
%
$
%

Annual Property Tax

$4,340.00

Monthly Equivalent

$361.67

Effective Rate

1.240%

Property Tax Breakdown

Assessed Value$350,000.00
Homestead Exemption$0.00
Taxable Value$350,000.00
Annual Tax$4,340.00
Monthly Equivalent$361.67

Disclaimer: This calculator is for informational purposes only and does not constitute tax, financial, or legal advice. Results are estimates based on the information you provide and current rates. Always consult a qualified tax professional or financial advisor for advice specific to your situation.

Texas Property Tax Guide

Texas has no state property tax at all; every property tax bill is assessed and collected locally. The state's average effective rate runs about 1.24% of a home's value, well above the roughly 0.9% national average, and it ranks among the highest in the country, a direct consequence of funding schools and local government without an income tax. Your county appraisal district sets the market value of your property each year, and overlapping taxing units, the school district, county, city, and any special districts, each apply their own rate to that value.

Homeowners can lower the bill through exemptions. The general residence homestead exemption removes $140,000 of value from school district taxation only (Tax Code §11.13(b), raised from $100,000 in 2025), and homeowners who are 65 or older or disabled take another $60,000 off the school value. Because these come off the school levy alone, estimate a bill as appraised value × the combined local rate, minus $140,000 × the school district rate (and $60,000 more × that rate if you qualify); subtracting $140,000 from the value before applying the combined rate understates the bill. The 1.24% average comes from survey data on recent bills and may not yet reflect the larger 2025 exemption. Texas also caps how much a homestead's taxable value can rise each year at 10%, which softens the impact of fast-rising appraisals.

Texas Property Tax Details (2026)

Avg. Effective Property Tax Rate 1.24%
National Average 0.89%
vs. National Average 0.35 points above
Estate Tax None
State Sales Tax 6.25%
State Income Tax None

Official Sources:

Texas Property Tax FAQ

Who sets and collects property tax in Texas?
It is entirely local. Each county appraisal district values your property annually, and local taxing units, school districts, counties, cities, and special districts, set their own rates and bill against that value. The state of Texas levies no property tax itself, which is why bills vary widely from one community to the next.
How do I estimate my Texas property tax bill?
Multiply the appraised value from your county appraisal district by the combined local tax rate, then take off the homestead exemption at the school district rate only: $140,000 × the school rate, plus $60,000 × that rate if you are 65 or older or disabled. On a $350,000 home with a 2.0% combined rate of which 0.9% is school tax, that is $7,000 − $1,260 = $5,740. At the state's average effective rate of about 1.24%, an average that already reflects typical exemptions, a $300,000 home owes roughly $3,720 a year, though your actual rate depends on local taxing units.
What is the Texas homestead exemption?
It reduces the taxable value of your primary residence. The general residence homestead exemption removes $140,000 of value from school district taxes under current law, and homeowners who are 65 or older or who have a disability take another $60,000 off school taxes, and many counties and cities offer their own optional exemptions. You apply once through your county appraisal district, and it carries forward as long as the home stays your principal residence.
Why are Texas property taxes so high compared with other states?
Because Texas has no state income tax, local governments lean heavily on property tax to fund schools and services, which pushes the average effective rate to about 1.24% versus a national average near 0.9%. The trade-off is no tax on wages or retirement income, but a heavier bill tied to what your home is worth.

Other Texas Calculators