Property Tax · TX
Texas Property Tax Calculator
The median effective property tax rate in Texas is 1.68% of home value per year — about $6,720 on a $400,000 home. Enter your home value and local rate below for your estimate.
Median effective rate
1.68%
Typical bill on a $400k home
$6,720/yr
Texas has no state income tax and funds services largely through relatively high property taxes.
Annual tax as a % of home value. US rates range from ~0.3% to ~2.2% — check your county assessor.
Annual property tax
$6,720
- Added to monthly payment
- $560.00
- Home value
- $400,000
- Effective rate
- 1.68%
Usually collected in escrow with your mortgage.
How property tax works in Texas
Texas property taxes are set locally: your county or city multiplies your home’s assessed value by a millage rate to produce the bill. Expressed as an effective rate — tax as a share of market value — Texas sits at about 1.68%, on the higher end nationally. Because rates and assessments differ by jurisdiction, two homes of equal value in different counties can owe different amounts.
Lenders typically collect property tax monthly in escrow and pay it for you, so it’s built into your mortgage payment. To estimate yours, enter your home value and your county’s rate in the calculator above.
Texas property tax — FAQ
What is the property tax rate in Texas?
Texas's median effective property tax rate is 1.68% of a home's value per year for 2026. Actual bills vary by county and municipality and depend on your home's assessed value, so use it as a benchmark and confirm with your county assessor.
How much is property tax on a $400,000 home in Texas?
At the 1.68% median effective rate, a $400,000 home runs about $6,720 a year, or roughly $560 a month collected in escrow. Your county's rate and assessment set the exact figure.
Why are Texas property taxes high?
Texas has no state income tax and funds services largely through relatively high property taxes.
Property tax in other states
Open the full Property Tax Calculator →
Disclaimer: DayCents provides this calculator for educational purposes only. Results are estimates based on your inputs and the stated assumptions — they are not financial advice, a quote, or an offer of credit. Consult a qualified financial professional before making major money decisions.