The Texas property tax formula is simple: taxable value × tax rate = your bill. Use the calculator below to estimate your potential savings from a successful protest, or scroll down for the full breakdown of exactly how appraisal districts and taxing units calculate your bill.
See how much you could save if we successfully reduce your assessed property value.
This calculator's default 2.50% rate and county presets are representative estimates of combined local tax rates (county + school district + city + special districts), which in Texas typically run between 1.8% and 2.7% depending on jurisdiction. The 10% estimated reduction is an illustrative assumption, not a predicted or guaranteed outcome for any individual property. For your property's actual current rate, consult the Texas Comptroller's Property Tax Assistance Division or your county appraisal district. Last reviewed: September 2026.
Behind the simple formula above are three separate steps that determine your final bill. Understanding each one helps you spot where an error — or an opportunity to protest — might be hiding.
Each county appraises every property's market value as of January 1st using mass appraisal methods — comparable sales, square footage, location, condition, and age.
The 2026 general homestead exemption removes $140,000 from your school district taxable value. Over-65 and disabled homeowners get an additional $60,000 (combined $200,000).
Multiple taxing units — school district, county, city, special districts — each apply their own rate to your taxable value. Combined rates in Texas typically run 1.8%–2.7%.
Worked example — homestead exemption: a home with a $450,000 appraised value and a homestead exemption applied has its school district taxable value reduced by $140,000 — down to $310,000 for that portion of the bill. At a 2.0% school-district rate, that's the difference between $9,000 and $6,200 in school taxes alone, before county, city, or other local rates are added. Non-school taxing units (county, city) may apply different, smaller, or no homestead exemption amounts under local option — check your appraisal district's specific exemption menu for the full picture.
For the complete step-by-step breakdown — including the 10% homestead cap and the 20% commercial circuit breaker — see our full guide to how Texas property taxes are calculated.
Calculate each taxing unit separately: divide the taxable value by 100 and multiply it by that unit's adopted rate per $100. Add the school, county, city, and special-district amounts. A combined-rate calculation is only an estimate when exemptions create different taxable values. Source: Texas Comptroller Property Tax System Basics.
At an illustrative 2.0% rate, $400,000 of taxable value produces an estimated $8,000 annual bill. If $400,000 is the appraised value rather than the taxable value, exemptions may lower the result. Texas has no single statewide rate, so use the rates and taxable values that apply to the property.
Texas has no single statewide property tax rate. School districts, counties, cities, and special districts adopt local rates, and the combination depends on the property's location. Review the Texas property tax rates by county guide, then confirm the exact adopted rates on the property's tax bill or local tax website.
Appraised value is the appraisal district's value before applicable exemptions are subtracted. Taxable value is the amount a taxing unit uses after exemptions and other adjustments. Because exemptions can vary by taxing unit, the school, county, city, and special-district taxable values may not be identical.
No. This calculator provides a hypothetical estimate based on the values and rate entered, including an illustrative 10% appraisal-reduction assumption for savings. Actual taxable values, adopted rates, exemptions, and protest outcomes can vary. Confirm the official bill with the local tax office; a property tax protest reduction is not guaranteed.
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