🏘️ Austin Property Tax Calculator
Calculate your Travis, Williamson, or Hays County property taxes with exemptions
Select Your County
Property & Exemptions
2025 appraised value from Travis CAD/WCAD/HCAD
2025 Property Tax Estimate
Austin Area Tax Rate Comparison
| County | City Rate | County Rate | School Rate | Total Rate | Annual Tax ($400,000) |
|---|---|---|---|---|---|
Travis County Travis County (Austin Central) | 0.5208% | 0.3615% | 0.9498% | 2.16% | $8,640 |
Williamson County Williamson County (North Austin) | 0.5208% | 0.3901% | 1.0395% | 2.23% | $8,920 |
Hays County Hays County (South Austin) | 0.5208% | 0.4287% | 1.2850% | 2.45% | $9,800 |
💡 Lower Your Property Taxes
- ✓File Homestead Exemption: Must file by April 30 each year to get $100,000 school tax reduction (saves ~$950/year)
- ✓Over 65 or Disabled: Additional $10,000 exemption + tax ceiling freeze (no increases even if value rises)
- ✓Protest Your Appraisal: 60% success rate in Austin, deadline ~May 15. Compare to recent sales in your neighborhood
- ✓Cap Increase at 10%: Homestead exemption caps annual taxable value increase at 10% (even if market value rises 30%)
- ✓Hire Protest Firm: Firms like O'Connor & Associates or Five Stone charge 25-50% of first-year savings (no win, no fee)
⚠️ Important Notes
- •This calculator uses 2025 estimated tax rates for Austin, TX metro area (Travis, Williamson, Hays counties)
- •Actual tax rates may vary by specific school district and special taxing districts (MUDs, hospital districts, community college)
- •Homestead exemption must be filed with your County Appraisal District (Travis CAD, Williamson CAD, or Hays CAD)
- •Over 65/Disability exemptions require proof of age or disability certification
- •Tax ceiling for Over 65/Disabled freezes school taxes but not city/county taxes (those can still increase)
About This Calculator
Calculate Austin TX property taxes based on appraised value and tax rates for 2025. Includes Travis, Williamson, and Hays county rates with homestead exemptions. Get accurate annual tax estimates and compare neighborhoods with school district breakdowns.
Frequently Asked Questions
What is the property tax rate in Austin Texas?
Austin property tax rates in 2025 vary by county and taxing district: Travis County average: 2.16% (includes City of Austin 0.5208%, Travis County 0.3615%, Austin ISD 0.9498%). Williamson County average: 2.23% (includes City of Austin portion 0.5208%, Williamson County 0.3901%, school district 1.0395%). Hays County average: 2.45% (highest rates, includes county 0.4287%, school district 1.2850%). Example: $400,000 home in Travis County = $8,640 annual tax before exemptions, $500,000 home in Williamson = $11,150 annual tax. Rates include city, county, school district, and special districts (hospital, community college).
How much can I save with homestead exemption in Austin?
Austin homestead exemptions in 2025 provide significant savings: General residence homestead exemption: $100,000 reduction in school district taxable value (saves ~$950/year). Over 65 exemption: Additional $10,000 county + school district exemptions (saves ~$300/year combined). Disability exemption: $10,000 across all taxing entities (saves ~$220/year). Tax ceiling: Over 65 or disabled homeowners get frozen school tax amount (no increases). Example: $400,000 home with general homestead = $7,690 annual tax (vs $8,640 without), saving $950/year. Over 65 homeowner saves additional ~$300, total $1,250/year savings.
How accurate is the Austin Real Estate Tax Calculator for my local market?
This calculator uses national averages and standard real estate formulas. Local market conditions — including property taxes, insurance rates, HOA fees, rental demand, and appreciation rates — can vary significantly by city and neighborhood. For the most accurate results, input your actual local data rather than relying on defaults. Consult a local real estate agent or appraiser for market-specific figures. Property taxes alone can range from 0.3% (Hawaii) to 2.5% (New Jersey) of assessed value, dramatically affecting calculations.
What assumptions does the Austin Real Estate Tax Calculator make that I should be aware of?
Key assumptions include: stable property appreciation rates (typically 3-4% default), consistent rental income without extended vacancies, standard maintenance costs (1-2% of property value annually), and current 2025 interest rates. The calculator does not account for major unexpected expenses (foundation repairs, roof replacement), changes in local zoning or regulations, economic downturns affecting property values, or tenant-related issues (evictions, damage). Conservative investors should add 10-20% buffer to expense estimates and use pessimistic scenarios for critical investment decisions.
Should I use this calculator before making a real estate investment decision?
This calculator is an excellent starting point for evaluating potential investments, but should be one of several tools in your decision-making process. Also consider: hiring a professional property inspector ($300-$500), reviewing comparable sales (comps) from the past 6 months, analyzing local rental market data (Zillow, Rentometer), consulting with a real estate attorney for legal considerations, and speaking with local property managers about realistic expense ratios. Never make a six-figure investment decision based solely on calculator outputs — they model best-case scenarios that rarely match reality perfectly.