Learn How To Lower Property Taxes in Texas

Reducing Property Taxes Learn How To Lower Property Taxes in Texas

How To Lower Property Taxes in Texas—A Complete Guide

The average effective property tax rate of 1.69% makes Texas one of the states with the highest property taxes in the United States. With tax bills that are too high, owning a property can become a burden.

If you want to learn how to lower property taxes in Texas, DoNotPay will show you!

Understand Property Taxes

There are many reasons why buying a house is better than renting it, but owning property does come with some downsides, like paying taxes. Even if you paid off your mortgage, you still have to deal with property tax bills.

Texas does not have a state property tax—the Comptroller’s office is not in charge of setting tax rates or collecting taxes. Each local government has its taxing unit.

The purpose of property taxes is to fund local services. The revenue usually goes to:

  • Parks
  • Roads
  • Hospitals
  • Schools and libraries
  • Fire and police departments

Learn How Property Tax Assessment Works

Each county’s appraisal district appraises properties and determines their market value every year. Property tax rates in Texas counties are estimated based on the total property value and total revenue need.

Property tax assessments are scheduled, and the assessor can choose one or all of the following methods:

  • Sales evaluation method—evaluating the property by comparing sales in the area using factors like the state of the property, location, improvements, and overall condition
  • Cost method—determining the value of the property based on how much it would cost to replace it
  • Income method—estimating property’s value based on the potential income in case of renting

Counties in Texas are well known for having high property taxes, and you can see which ones have the highest tax rates in the table below:

Texas CountyProperty Tax Rate
El Paso County2.24%
Bailey County2.23%
Fort Bend County2.22%
Webb County2.19%
Tarrant County2.10%

For comparison, the average property tax rate in the state with the lowest taxes—Hawaii—is 0.28%.

Implement Texas Property Tax Reduction Strategies

If you own a property in Texas, you have to set aside a decent amount of money from your budget to pay property taxes. Many homeowners need help paying property taxes, and we recommend several tax reduction strategies:

  1. Avoid renovations and improvements before the assessment date
  2. Keep the assessor company during the evaluation to make sure they are doing it properly
  3. Point out any damages
  4. Check your property tax bill for errors and irregularities
  5. Find out what property tax exemptions your county offers and check if you qualify
  6. File a property tax appeal if you disagree with the assessment

Lower Property Taxes in Texas With a Property Tax Exemption

The most reliable method of lowering taxes is by qualifying for a property tax exemption. Whether you are eligible for a certain exemption depends on the requirements within your county. 

You can consult the following table for the overview of the most common property tax exemptions in Texas:

Property Tax ExemptionDescription

Homestead exemption

$25,000 property tax relief for people whose property is their primary residence

Exemption for senior citizens and disabled people

$10,000 property tax reduction for disabled persons or 65-years-old or older citizens 

Disabled veterans exemption

Up to $12,000 property tax relief for veterans with service-related disabilities; the exact tax reduction amount depends on the age and severity of the disability

Exemption for surviving spouse of a veteran

Property tax reduction for the widow of a veteran in the same amount he or she was entitled to; the surviving spouse is eligible for this exemption provided that he or she hasn’t remarried

Reduce Property Taxes in Texas With DoNotPay’s Assistance

Property taxes are different in each state and can even vary from one case to another, making finding the right information that much harder. Something that applies to one owner’s tax bill may not apply to someone else’s.

Having that in mind, DoNotPay created a service that provides useful and reliable personalized tax information to any property owner in America!

We use the most comprehensive database of property tax-related details from every state, county, and city.

By giving us some basic personal information, we can determine if you qualify for one of the property tax exemptions, like:

Here is how to use our practical service:

  1. Log in to your DoNotPay account in a web browser
  2. Locate the Reduce Property Tax feature
  3. Answer the chatbot’s questions about you and your property

We will create a customized guide for you to use when handling property tax issues.

In your manual, you can find much-needed info regarding rules, forms, regulations, and requirements for relief programs. If you’re unsatisfied with your assessment, you can use the guide for every bit of information on how to file a property tax appeal.

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