The average effective property tax rate in Texas is 1.49% of a home's value per year. On a Texas home worth $350,000, that is about $5,215 in property tax a year, or $435 a month.
Estimate using Texas's average effective rate. Your county's exact rate may differ — check your local assessor. See the full Texas mortgage calculator for a complete PITI payment.
Property tax in Texas is a local tax based on the assessed value of your home and land. The average effective rate — the tax actually paid as a share of market value — is about 1.49% statewide, though the real figure depends on your county, school district and any special levies. On the median Texas home of roughly $350,000, that works out to about $5,215 a year. Most homeowners pay it monthly through an escrow account bundled into their mortgage payment.
Multiply your home's value by the effective rate. For example, a $350,000 home at 1.49% owes 350,000 × 1.49% = $5,215 per year. Enter your own home value above to get a personalised estimate, then confirm the exact local millage with your county assessor's office for budgeting.
At 1.49%, Texas is among the higher property-tax states, noticeably above the US average of about 1.1% — the bill climbs quickly as home value rises. The table below estimates the annual and monthly bill at Texas's 1.49% average effective rate across common home values.
| Home value | Annual property tax | Monthly |
|---|---|---|
| $200,000 | $2,980 | $248 |
| $350,000 | $5,215 | $435 |
| $500,000 | $7,450 | $621 |
| $750,000 | $11,175 | $931 |
| $1,000,000 | $14,900 | $1,242 |
Estimates at the statewide average effective rate; your county's millage, exemptions (such as a homestead exemption), and assessment ratio will change the exact figure.
Property tax is one piece of the picture. See your full housing cost with the Texas mortgage calculator, your take-home pay with the Texas income tax calculator, and local Texas sales tax.
Texas's average effective property tax rate is about 1.49% of the home's market value per year. Your exact rate depends on your county, city and local levies.
At Texas's average rate of 1.49%, a $350,000 home owes roughly $5,215 a year (about $435 a month). Use the calculator above for your own home value.
Property tax = assessed home value × the local tax rate. Enter your home value above and we apply Texas's average effective rate; check your county assessor for the exact local millage.
Due dates vary by county — many bill annually or semi-annually, and lenders often collect it monthly through an escrow account alongside your mortgage payment.