The short answer
In most big Texas cities, the combined property tax rate is between $1.68 and $2.64 per $100 of taxable value, or roughly 1.7% to 2.6%. Texas has no state property tax and no state income tax, so local governments lean on property taxes harder than almost anywhere else.
No single body sets "your" rate. Your bill adds up every unit that taxes your address: the county, the city, the school district (ISD) and special districts such as the hospital district, community college and flood control. Two houses in the same city can have different totals if they're in different school districts or utility districts.
All rates here are for the 2025 tax year (bills due January 31, 2026), from the Texas Comptroller's rate files and the cities' and counties' own adoption notices. Most units are adopting 2026 rates right now, and we'll update this page when the Comptroller publishes them.
2025 tax rates in Texas's major cities
Rates are per $100 of taxable value. "Combined" adds the city, the main ISD, the county and the countywide hospital, college, flood control and port districts. It leaves out emergency services districts, municipal utility districts (MUDs) and small water districts, which can add a lot in newer suburbs.
| City | County | City rate | Main ISD rate | Combined |
|---|---|---|---|---|
| El Paso | El Paso | 0.759649 | El Paso ISD 1.0807 | 2.6437 |
| San Antonio (SAISD) | Bexar | 0.541590 | San Antonio ISD 1.1552 | 2.4405 |
| Pasadena | Harris | 0.465586 | Pasadena ISD 1.1722 | 2.4213 |
| Garland | Dallas | 0.689746 | Garland ISD 1.1709 | 2.3947 |
| San Antonio (Northside) | Bexar | 0.541590 | Northside ISD 1.0049 | 2.2902 |
| Laredo | Webb | 0.506090 | Laredo ISD 1.1568 | 2.2746 |
| Grand Prairie | Dallas | 0.660000 | Grand Prairie ISD 1.062687 | 2.2568 |
| Dallas | Dallas | 0.698800 | Dallas ISD 0.993835 | 2.2267 |
| Corpus Christi | Nueces | 0.599774 | Corpus Christi ISD 0.9583 | 2.2133 |
| Arlington | Tarrant | 0.629800 | Arlington ISD 1.0929 | 2.1862 |
| Fort Worth | Tarrant | 0.670000 | Fort Worth ISD 1.0291 | 2.1626 |
| Irving | Dallas | 0.589100 | Irving ISD 1.0159 | 2.1391 |
| Houston | Harris | 0.519190 | Houston ISD 0.8783 | 2.1252 |
| Amarillo | Potter | 0.430700 | Amarillo ISD 0.8712 | 2.1121 |
| Brownsville | Cameron | 0.603504 | Brownsville ISD 0.83146 | 2.0465 |
| Austin | Travis | 0.524017 | Austin ISD 0.9252 | 2.0465 |
| Killeen | Bell | 0.701400 | Killeen ISD 0.8778 | 2.0061 |
| Lubbock | Lubbock | 0.472191 | Lubbock ISD 0.8672 | 1.7665 |
| McKinney | Collin | 0.412284 | McKinney ISD 1.1043 | 1.7471 |
| Plano | Collin | 0.437600 | Plano ISD 1.03955 | 1.7077 |
| Frisco (Collin side) | Collin | 0.425517 | Frisco ISD 1.0194 | 1.6755 |
The Collin County suburbs come out lowest, mostly because Collin County's own rate (0.149343) is the lowest of any big metro county and it has no separate hospital district. El Paso is highest on the list, with the highest city rate and a large hospital district rate on top.
A note on Austin: the city proposed 0.574017 for 2025, but voters rejected Proposition Q in November 2025, so the rate fell back to 0.524017. Some data sources still show the higher number. Houston's combined rate includes Houston Community College (0.098802), and Pasadena's includes San Jacinto College (0.154615).
What a $400,000 home pays
Rates apply to taxable value, which is your appraised value minus exemptions. For a homestead, the big one is the $140,000 school district exemption, which only reduces the school portion. Here's a $400,000 homestead with that exemption, before any local-option exemptions:
| City | Non-school taxes (on $400,000) | School taxes (on $260,000) | Estimated total |
|---|---|---|---|
| El Paso | $6,252 | $2,810 | $9,062 |
| San Antonio (Northside) | $5,141 | $2,613 | $7,754 |
| Dallas | $4,932 | $2,584 | $7,515 |
| Houston | $4,988 | $2,284 | $7,271 |
| Austin | $4,485 | $2,406 | $6,891 |
| Plano | $2,673 | $2,703 | $5,375 |
Many cities, counties and hospital districts also offer a local-option homestead exemption of up to 20% of value, which would cut the non-school column further. Your appraisal district notice shows which exemptions you have. If you haven't filed for the homestead exemption, that's the single biggest thing you can do. Our Texas homestead exemption guide explains how, and the county-by-county Form 50-114 guide covers Harris, Dallas, Tarrant, Collin, Denton and Bexar.
County tax rates (2025)
These are the county government's own rates only. Hospital, college and flood control districts are separate units on your bill.
| County | 2025 rate | County | 2025 rate |
|---|---|---|---|
| Hidalgo | 0.575000 | Williamson | 0.413776 |
| El Paso | 0.458889 | Fort Bend | 0.412000 |
| Harris | 0.380960 | Bexar | 0.299999 |
| Montgomery | 0.377000 | Dallas | 0.215500 |
| Travis | 0.375845 | Tarrant | 0.186200 |
| Denton | 0.185938 | ||
| Collin | 0.149343 |
In Harris County, the full countywide stack is larger than the county rate alone: county 0.38096, Flood Control District 0.04966, Port of Houston 0.0059, Harris Health 0.18761 and the Department of Education 0.004798, for 0.628928 before the city and school district.
Across all 254 counties, the median county rate is about 0.49. The highest are small rural counties such as Jeff Davis (1.3735) and Willacy (1.2551). The lowest are oil-rich counties in West Texas, such as Reagan (0.0152) and Midland (0.121374), where mineral values carry most of the load.
Why school taxes keep falling
The school district is the biggest single piece of most bills, and the state has been buying it down. For 2025, the maximum compressed maintenance-and-operations rate fell to $0.6322 per $100 from $0.6855. Districts can add up to $0.17 above their compressed rate, plus a separate debt rate for bonds. That's why ISD totals in the table cluster between about $0.83 and $1.17.
The exemptions also went up for tax year 2025. The general homestead exemption rose from $100,000 to $140,000, and the extra exemption for homeowners 65 or older or disabled rose from $10,000 to $60,000. Voters approved both in November 2025. A homeowner 65+ now has $200,000 of value exempt from school taxes, and their school taxes are frozen at the level of the year they qualified.
Key dates and how to lower your bill
- January 31: property taxes are due. On February 1 they become delinquent, with a 6% penalty plus 1% interest that keeps rising.
- Before May 1: the general deadline to file for a homestead exemption with your appraisal district.
- May 15 (or 30 days after your appraisal notice, whichever is later): the deadline to protest your appraised value. In most big counties, protesting is quick and many owners get a reduction. Our guide on how to protest property taxes in Texas walks through the evidence and the hearing, and what protest companies charge if you'd rather hire one.
Texas property tax FAQ
What is the property tax rate in Texas?
There's no single statewide rate. Your rate is the total of every local unit that taxes your address. In the major cities above, the combined 2025 rate runs from about $1.68 per $100 of value (Frisco) to $2.64 (El Paso). Across all Texas owner-occupied homes, the median bill works out to about 1.31% of the median home value, roughly one and a half times the national figure.
How much is property tax in Texas?
The median Texas homeowner paid $4,108 in 2024, according to the Census Bureau, against $3,211 nationally. On a $400,000 homestead with the $140,000 school exemption, the 2025 bill is roughly $5,400 in Plano, $7,300 in Houston and $9,100 in El Paso, before any local-option exemptions.
When will the 2026 Texas rates be out?
Cities, counties and school districts adopt 2026 rates in August through October 2026, and 2026 bills are due January 31, 2027. The Comptroller publishes the statewide rate files early the following year, and we'll update this page then. Meanwhile, see why Texas relies on property tax and how it compares with the other no-income-tax states.
Where these numbers come from
Rates are from the Texas Comptroller's 2025 county, city, school district, special district and total rate files (published January 2026), checked against adoption notices from Houston, Bexar County, El Paso, Arlington, Corpus Christi, Laredo, Killeen, Travis, Collin, Denton, Williamson and Fort Bend counties. Where the Comptroller's file disagreed with the government's own document (Fort Bend County, Austin, and Houston Community College, which is missing from the file), we used the government's figure. We left McAllen out because we couldn't confirm its adopted rate. School compression figures are from the Texas Education Agency, and exemption amounts and deadlines from the Comptroller. For ZIP-level data, start at our Texas page.