Texas property taxes for out-of-state buyers

Texas has no state personal income tax. Local governments rely heavily on property taxes instead. Rates and bills vary by county, city, school district, and any special districts that cover the property.

Estimate the total rate, not just one line

A home's tax bill usually combines several taxing units. Ask for the total tax rate that applies to the address — school district, county, city (if any), and special districts. The current owner's bill may include exemptions you will not have until you qualify and apply.

Start with the Texas Comptroller property tax pages.

Homestead exemption (primary residence)

If the home will be your principal residence, you can apply for a residence homestead exemption with the county appraisal district. School districts must provide a general residence homestead exemption; other taxing units may offer local-option amounts. Additional exemptions may apply for homeowners age 65+ or with a qualifying disability. Amounts and rules change by law — confirm current figures on the Comptroller's exemptions page.

You generally apply with the appraisal district in the county where the property sits. Deadlines matter; ask your agent and the appraisal district after you close.

MUDs and other special districts

Many newer suburban subdivisions sit in Municipal Utility Districts (MUDs) or similar districts that levy their own tax to fund water, sewer, drainage, and related infrastructure. That rate is in addition to school and county taxes. Sellers must provide required MUD notices. Ask your agent to help you read the full tax picture for any address you are considering.

What to ask a local agent

• What is the approximate total tax rate for this address?
• Is the property in a MUD, PID, or other special district?
• Which exemptions might I qualify for after I move in, and how do I apply?
• How does the current owner's tax bill compare to what a new owner might pay?

Related: Buying remotely / out of state · Need an agent in Houston, TX

Educational information only — not legal, tax, financial, or lending advice. Rules and amounts change. Confirm details with the appropriate official source, your own tax or legal advisor, and the licensed real estate agent you choose. We do not refer mortgage lenders, insurance agents, or other non-real-estate professionals.