Texas Property Tax Calculator
Calculate your annual Texas property tax by county, compare rates across 8 major counties, and see how homestead, over-65, and disabled veteran exemptions can lower your bill.
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How to Use This Calculator
Annual Tax tab
Enter your home value (appraised or market value) and select your Texas county from the dropdown. The calculator applies the county's effective property tax rate and shows your estimated annual property tax, monthly escrow amount, and how your home compares to the county median.
County Comparison tab
See all 8 major Texas counties ranked by effective tax rate, with median home values and median annual tax bills. Use this tab to understand how location affects your property tax — the difference between the lowest-rate county (Travis at 1.68%) and the highest (Fort Bend at 2.27%) is significant, especially on higher-value homes.
Exemptions & Savings tab
Check which exemptions apply to you — homestead (available to all primary-residence owners), over-65 or disabled (additional school tax reduction plus a tax ceiling freeze), and disabled veteran (partial or full exemption based on VA rating). The calculator shows your tax before and after exemptions and the annual dollar savings.
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All inputs are encoded in the URL. Click Share to send your exact scenario to a spouse, realtor, or financial advisor.
The Formula
Texas property tax is calculated as a percentage of your home's appraised value, minus any applicable exemptions:
Where:
Appraised Value = county appraisal district's assessed market value
Tax Rate = combined rate from school district + city + county + special districts
Homestead Exemption = $140,000 off school district taxable value (SB 4 / Prop 13, 2026)
Over-65 Exemption = additional $60,000 off school district + tax ceiling freeze (SB 4 / Prop 13, 2026)
Monthly Escrow = Annual Property Tax ÷ 12
Texas has NO state income tax, which means property taxes are the primary funding mechanism for local government services. The statewide average effective rate is approximately 1.60–1.80%, but rates vary significantly by county and taxing jurisdiction.
Key Fact
Texas has no state income tax but compensates with some of the highest property taxes in the nation — ranked 6th highest among all 50 states. The homestead exemption was raised to $140,000 in 2026 (SB 4 / Proposition 13, approved by voters November 2025), up from $100,000. The over-65/disabled additional exemption increased to $60,000, giving seniors a combined $200,000 reduction in school taxable value — the largest property tax relief in Texas history.
Example
Maria — Homeowner in Harris County, TX
Maria owns a $450,000 home in Harris County. She wants to see her property tax with and without the homestead exemption.
Without exemptions
With homestead exemption
By filing for the homestead exemption — a free, one-time application to the Harris County Appraisal District — Maria saves approximately $2,842 every year. That is $237 less per month in escrow.