What this calculator does
The Houston property tax calculator applies the actual Houston method — not a national average — to estimate a yearly bill. A Houston home in Houston ISD is taxed by several units — the school district, City of Houston, Harris County, Harris Health, the Flood Control District, the Port of Houston and the Department of Education — for a combined rate of about $2.03 per $100 of value in 2025 before exemptions. The school homestead exemption rose to $140,000 after voters approved it in November 2025.
How to use it
- Find the appraised value on your HCAD notice (mailed each spring).
- Tick the exemptions you qualify for.
- Adjust the rate if your bill shows a different one — rates differ by neighborhood and change each year.
- Read the step-by-step table to see how the value becomes a bill.
The formula
Each taxing unit applies its own rate to its own taxable value, and the school district's $140,000 homestead exemption is the single biggest saving. Here that works out to an effective rate of 1.43% of the value you entered. Exemptions lower this bill by about $1,990 a year.
Worked example for Houston
| Step | Amount |
|---|---|
| Houston ISD ($0.8783 per $100) | $1,669 |
| City of Houston ($0.5192 per $100) | $1,371 |
| Harris County ($0.3853 per $100) | $1,017 |
| Harris Health ($0.1876 per $100) | $495 |
| Harris County Flood Control District ($0.0497 per $100) | $131 |
| Port of Houston Authority ($0.0059 per $100) | $16 |
| Harris County Dept. of Education ($0.0048 per $100) | $13 |
| Estimated annual property tax | $4,711 |
Estimated annual property tax: $4,711.
What affects property tax in Houston
Assessments, rates and exemptions each move the bill. In Houston, rates are set by the local governments that serve each address, so two homes of the same value in different neighborhoods — for example the Heights, Montrose, Midtown — can pay different amounts.
Texas homesteads can't be appraised more than 10% higher than the previous year, and every owner can protest the appraisal each spring.
Common mistakes and tips
- Using the listing price when the tax is based on a different assessed value.
- Missing an exemption deadline — most exemptions require an application.
- Assuming the seller's bill will be yours; many places reassess after a sale.
- Not checking the assessment notice for errors in square footage or condition.
Frequently asked questions
How much is property tax in Houston?
With the default inputs on this page, about $4,711 a year. Exemptions lower this bill by about $1,990 a year.
How much does the Houston homestead exemption save?
Use the Houston Homestead Exemption Savings Calculator. The $140,000 school exemption alone saves over $1,200 a year at Houston ISD's rate.
Can I protest my Houston appraisal?
Yes, with HCAD, usually by May 15. See the Houston Property Tax Protest Savings Estimator.
Is this my exact bill?
No. It estimates the main pieces. Special assessments, penalties and local charges can change the final amount.
Sources
Disclaimer
This calculator provides estimates for educational purposes only and is not financial, tax, legal, real estate, or insurance advice. Consult a licensed professional before making decisions.