With our all-inclusive calculator, project your Texas annual property tax obligation. Your total tax bill will be found by entering the assessed value of your property, local tax rate, and relevant exemption, so guiding your financial decisions.
This is a calculator?
A Texas Property Tax Calculator is a tool meant to assist homeowners and prospective buyers in approximating their annual property tax depending on local assessments, tax rates, and available exemptions. Entering the assessed value, tax rate, and any relevant credits or exemptions for your property will help you to determine your annual tax due.
Why It Matters
One major outlay for homeowners is property taxes. In Texas, where rates vary by county and municipality, knowing your property tax helps you to:
- Plan monthly escrow payments for a mortgage.
- Analyze tax loads in several locations.
- Evaluate the effects of exemptions akin to the homestead exemption.
- Buy, sell, or refinance a house with knowledge in mind.
Comptroller of Texas
Brief History
- Early Foundations: Since statehood, Texas’s property tax system has been in use as a main source of income for local governments.
- County assessment agencies evaluate properties based on their market value, so reflecting the market value as of January 1 every year.
- Tax relief initiatives have been instituted over time, including exemptions for the elderly and disabled veterans.
How It Is Done
The annual property tax formula:
Assessed Value – Exemptions × Tax Rate
- Value Assessed: The county appraisal district’s assessment of your property’s market value.
- Tax Rate: Represented as a percentage, the total tax rate from all taxing authorities—county, city, school district.
- Exemptions: Deductions for qualifying properties including the Homestead Exemption or Disabled Veteran Exemption.
Home Tax Shield plus one
Texas Comptroller +1
Methodical: Step-by-step
- Introduce Assessed Value
Get this from your district of county appraisals. - Find your tax rate
On your tax bill or local government website; it varies depending on your locality. - Apply exemptions for which you qualify, such as:
- Homestead exemption: Reduces a main residence’s taxable value.
- Over-65 exemptions: Additional tax value reductions for homeowners above a designated age.
- Disability exemptions: Relief for homeowners with qualifying disabilities.
- Find your annual property tax using the formula.
Important Components and Inputs
Input | Definition |
---|---|
Evaluated Value | County assessment district’s calculated market value of the property. |
Tax Rate | Combined tax rate from all taxing authorities stated as a percentage. |
Homestead Exemption | Lowers the value for taxes on a main residence. |
Over-65 Exemption | Offers further tax value savings for homeowners above a certain age. |
Disability Exemption | Provides relief for qualifying handicap homeowners. |
Other Local Exemptions | Extra deductions depending on local initiatives or property use. |
Types of Expenses and Results
Product | What It Means |
---|---|
Gross Tax Total | Before exemptions or credits. |
General Exemptions | All relevant exemptions and credits taken together. |
Final Annual Tax Due | Net after applying credits and exemptions. |
Monthly Tax Estimate | Net tax due split by 12. Useful for budgeting. |
Effective Tax Rate (%) | Net tax due divided by assessed value. |
Examples of Scenarios and Sample Calculations
Assessed Value | Tax Rate | Exemptions | Gross Tax | Exemptions Total | Net Tax Due | Monthly | Effective Rate |
---|---|---|---|---|---|---|---|
$150,000 | 2.00% | None | $5,000.00 | $0.00 | $5,000.00 | $416.67 | 2.00% |
$2,300,000 | 2.25% | Homestead ($100,000) | $6,750.00 | $2,250.00 | $4,500.00 | $375.00 | 0.50% |
$3,020,000 | $5,000.00 | Over-65 ($110,000) | $2,750.00 | $2,250.00 | $187.50 | 1.13% | |
$400,000 | 2.00% | Disabled Veteran (100%) | $8,000.00 | $8,000.00 | $0.00 | $0.00 | 0.00% |
$350,000 (×5) | 1.75% | Homestead ($100,000) + Over-65 ($10,000) | $6,525.00 | $1,925.00 | $4,200.00 | $350.00 | 1.20% |
Note:
- A main residence’s taxable value is lowered by the Homestead Exemption.
- Additional savings for homeowners above a particular age come from the Over-65 Exemption.
- The Disabled Veteran Exemption offers up to a 100% exemption for qualified persons.
Interactive Tables and Charts: Average County Tax Rates
County | Average Tax Rate |
---|---|
El Paso | 2.14% |
Fort Bend | 2.06% |
Webb | 2.00% |
Harris | 1.77% |
Travis | 1.61% |
Collin | 1.75% |
Dallas | 1.73% |
Denton | 1.78% |
Bexar | 1.89% |
Williamson | 1.83% |
Note: Rates vary locally and change annually.
Commonly Asked Questions (FAQs)
Q1: How is the assessed value determined?
The County Appraisal District sets the evaluated value, which represents the market value of the property as of January 1 every year.
Q2: What is the Homestead Exemption?
The Homestead Exemption lowers the taxable value of a main residence, so lowering the property tax owing.
Q3: Are people with disabilities or seniors exempt as well?
Texas does provide further tax savings by granting extra exemptions for homeowners 65 years of age or older and for those with qualifying disabilities.
Q4: How can I request an exemption?
Applications are usually available online or at your local County Appraisal District office. Deadlines and requirements vary, so contact your CAD for details.
Q5: Do property tax rates change annually?
Yes, local government budgets and funding demands affect tax rates. For current rates, consult your local taxing body.
Note:
Estimates are based on current Texas tax rules and rates. For accurate calculations and exemption eligibility, consult your local County Appraisal District or the Texas Comptroller.
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