Texas Property Tax FAQ 2026
Get answers to the most common questions about Texas property taxes, including deadlines, protest procedures, exemptions, and payment options.
When is the Texas property tax payment deadline?
Texas property taxes are due by January 31st of each year. If January 31st falls on a weekend or holiday, the deadline moves to the next business day. After January 31st, penalties and interest begin to accrue - starting at 6% in February and increasing each month.
How do I protest my property tax in Texas?
To protest your property tax in Texas: 1) Wait for your Notice of Appraised Value (typically mailed in April), 2) File a protest by May 15th or within 30 days of receiving your notice (whichever is later), 3) Gather evidence like comparable sales and photos of property issues, 4) Attend your hearing with the Appraisal Review Board (ARB) or submit evidence online. You can file online through your county appraisal district website or mail Form 50-132.
What is a homestead exemption and how do I apply?
A homestead exemption reduces the taxable value of your primary residence. In Texas, you get: a mandatory $100,000 exemption from school taxes, up to 20% exemption from county/city taxes, and a 10% cap on annual value increases. To apply, file Form 50-114 with your county appraisal district. You only need to apply once - it stays on your property until you move.
How much can I save by protesting my property tax?
Savings vary based on your property and market conditions, but many Texas homeowners save $500-$2,000 per year by successfully protesting their appraisal. If your property value increased significantly or if comparable homes in your area sold for less than your appraised value, you have a good chance of winning a reduction.
What is the deadline to file a property tax protest in Texas?
The general deadline is May 15th. However, if you receive your Notice of Appraised Value after April 15th, you have 30 days from the date you received the notice to file your protest. The later deadline applies - so if you received your notice on May 1st, you have until May 31st to file.
Can I pay my Texas property tax in installments?
Yes, Texas offers several payment options: 1) Over-65 and disabled homeowners can defer all taxes until the home is sold, 2) Most counties allow quarterly installment plans if you apply before the January deadline, 3) Some counties offer hardship payment plans. Contact your county tax office for specific options available in your area.
What happens if I miss the property tax payment deadline?
If you miss the January 31st deadline, penalties and interest begin immediately: February adds 6%, March adds 7%, and so on. By July 1st, an additional 20% collection penalty may be added. If taxes remain unpaid, the county can file a tax lien and eventually foreclose on the property. Contact your tax office immediately if you cannot pay on time.
How is my Texas property tax calculated?
Texas property tax is calculated by multiplying your property's appraised value (minus exemptions) by your combined tax rate. The rate includes multiple taxing entities: county, school district, city (if applicable), and special districts like MUDs. Rates typically total 2-3% of your home value. For example, a $400,000 home with a $100,000 homestead exemption at a 2.5% rate would owe $7,500 in taxes.
Do I need to hire someone to protest my property tax?
No, you can protest your property tax yourself for free. However, property tax consultants and agents can help if you don't have time or want professional representation. Most work on contingency - they only get paid if they save you money. Consider professional help if your value increased significantly or you're uncomfortable presenting at a hearing.
What evidence do I need for a property tax protest?
The most effective evidence includes: 1) Recent sales of comparable homes in your area that sold for less than your appraised value, 2) Photos showing property condition issues (foundation problems, roof damage, outdated features), 3) An independent appraisal if you have one, 4) MLS listings or other proof that your home is worth less than the appraisal. Focus on facts, not emotions.
What is the over-65 exemption in Texas?
The over-65 exemption provides additional benefits beyond the standard homestead exemption: an extra $10,000+ exemption from school taxes, a "tax ceiling" that freezes your school taxes at the amount you paid in the year you qualified, and the ability to defer all property taxes until the home is sold. You must be 65 or older and the property must be your primary residence.
Can I protest my property tax every year?
Yes, you can and should consider protesting every year if your appraised value increases. There's no limit to how many times you can protest, and there's no penalty for losing a protest - your taxes won't go up just because you protested. Many homeowners successfully reduce their appraisal year after year.
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