HonestCasa logoHonestCasa
Updated 2025 Tax Year

Doña Ana County
Property Tax Guide

Everything you need to know about property taxes in Doña Ana County, NM. Rates, due dates, exemptions, and how it affects your monthly payment.

10 Official Sources
8 min read
Quick Facts
Tax Rate
Varies by district: approximately 30.287 mills (3.0287%) in Las Cruces city limits, rates vary significantly by special taxing districts
1st Due
Nov 1
Exemptions
5+ Available
Section 1

How Property Tax Works

Doña Ana County, New Mexico operates under a property tax system that funds essential local services including schools, county government operations, fire protection, and various special districts. Property taxes are the primary funding source for these services, with tax bills typically mailed by November 1st each year. The county assesses both residential and non-residential properties, with residential properties generally receiving more favorable tax rates.

Property tax rates in Doña Ana County vary significantly based on your specific location within the county due to different combinations of special taxing districts. For 2025, residential properties face rates ranging from approximately 0.030287 (30.287 mills) in Las Cruces city limits to varying rates in other districts. Non-residential properties typically face higher rates, with Las Cruces non-residential properties taxed at 0.034078 (34.078 mills). Your exact tax rate depends on which school district, fire district, and municipal boundaries your property falls within.

Section 2

What Makes Up Your Tax Bill

Component2025 Residential Rate2025 Non-Residential RateDescription
District 2 (Las Cruces-In)0.0302870.034078Properties within Las Cruces city limits
District 3 (Las Cruces-Out)Variable0.024911Properties outside Las Cruces city limits
District 4 (Mesilla)Variable0.027245Properties within Mesilla area

Rates shown are for Levy Year 2025 and represent the total combined rate including county, school district, and applicable special district assessments.

Note: Your actual tax rate depends on your property's specific location and the combination of taxing districts that serve your area. Rates include funding for county operations, school districts, fire protection districts, and other special assessments. Contact the Doña Ana County Assessor's office or visit their website for the exact rate applicable to your property address.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Doña Ana County, property taxes are due in two installments:

First Installment
Nov 1
Delinquent after Dec 10
Pro tip: If you pay through mortgage escrow, your lender splits these payments across your monthly mortgage. If you pay directly, set calendar reminders to avoid late penalties.
Section 4

Supplemental Tax Bills

Supplemental taxes in Doña Ana County are additional tax bills issued when there are changes to property ownership, new construction, or improvements that increase a property's assessed value during the tax year. These taxes cover the difference between what was originally assessed and what should have been assessed based on the property changes.

Common triggers for supplemental taxes include the sale of property (which may trigger a reassessment), completion of new construction or major renovations, and the addition of improvements like pools, additions, or accessory structures. The supplemental tax is calculated by taking the difference between the new assessed value and the original assessed value, then multiplying by the applicable tax rate for the remaining months in the tax year.

For example, if a property's assessed value increases by $50,000 due to completed renovations in March, and the tax rate is 0.030287, the supplemental tax would be approximately $1,514 ($50,000 × 0.030287) prorated for the remaining 9 months of the tax year, resulting in a supplemental bill of about $1,136.

Example Calculation

Example 1: $300,000 Home in Las Cruces

  • Market Value: $300,000
  • Assessed Value: $300,000 (at full market value)
  • Less: Head of Family Credit: -$4,000 (if applicable and applied for)
  • Net Taxable Value: $296,000
  • Tax Rate (2025): 0.030287
  • Annual Tax: $8,965
  • Monthly Escrow: $747

Example 2: $600,000 Home in Las Cruces

  • Market Value: $600,000
  • Assessed Value: $600,000
  • Less: Head of Family Credit: -$4,000 (if applicable and applied for)
  • Net Taxable Value: $596,000
  • Tax Rate (2025): 0.030287
  • Annual Tax: $18,051
  • Monthly Escrow: $1,504

Example 3: $1,000,000 Home in Las Cruces

  • Market Value: $1,000,000
  • Assessed Value: $1,000,000
  • Less: Head of Family Credit: -$4,000 (if applicable and applied for)
  • Net Taxable Value: $996,000
  • Tax Rate (2025): 0.030287
  • Annual Tax: $30,166
  • Monthly Escrow: $2,514

Note: Credits shown require application and approval. Rates used are for District 2 (Las Cruces-In). Your actual rate may vary based on your specific location and applicable special districts.

See How Taxes Affect Your Payment

Property taxes are just part of your total monthly cost. Get the full picture.

Calculate Now
Section 5

Escrow & Property Taxes

Most mortgage lenders in Doña Ana County require property tax escrow accounts, where you pay 1/12th of your estimated annual property tax bill with each monthly mortgage payment. Your lender collects these funds in a separate escrow account and pays your property tax bill directly to the county when taxes are due in November.

Lenders typically conduct an annual escrow analysis to ensure adequate funds are collected. If your property taxes increase due to reassessment or rate changes, your monthly escrow payment may increase. Conversely, if taxes decrease, you may receive a refund or see reduced monthly payments. Property tax bills are mailed by November 1st and are due November 10th, with the last day to pay without penalty being December 10th.

If you don't have an escrow account, you're responsible for paying property taxes directly to Doña Ana County. You can verify your current tax amount and payment status through the county's online portal or by contacting the County Treasurer's office directly.

How HonestCasa Helps
  • Understand whether your escrow is set correctly
  • See how rising taxes will change your monthly payment
  • Plan ahead instead of being surprised by "shortage" letters
Section 6

Frequently Asked Questions

Q: When are property taxes due in Doña Ana County for the current fiscal year? A: Property taxes are due November 10th, with December 10th being the last day to pay without penalty. Tax bills are typically mailed by November 1st unless the Assessor receives a formal extension.

Q: What tax credits are available and do they require application? A: The Head of Family credit is available to qualifying New Mexico residents, but you must apply annually. This credit requires certification that you meet the definition under Section 7-37-4 D of the Property Tax Code. Most credits are NOT automatic and require application with the County Assessor.

Q: How does the Homestead credit work? A: New Mexico doesn't have a traditional "homestead exemption" but offers the Head of Family credit that can limit assessment increases. This credit must be applied for each year and helps cap the growth in your taxable value, not reduce the market value itself.

Q: When are properties reassessed? A: Properties are reassessed periodically by the County Assessor. The assessment schedule varies, but significant changes like sales, new construction, or major improvements can trigger reassessment at any time.

Q: What happens if I pay my property taxes late? A: Late payments incur penalties and interest. After December 10th, penalty and interest charges begin accruing on the unpaid balance.

Q: Can I pay my property taxes online? A: Yes, Doña Ana County offers online payment options. Check the County Treasurer's website for available payment methods and any associated convenience fees.

Q: How do special district taxes affect my bill? A: Your location determines which special districts serve your property (fire, school, municipal services). Each district adds to your total tax rate, which is why rates vary significantly across the county.

Q: How do I appeal my property assessment? A: Contact the Doña Ana County Assessor's office for the appeals process and deadlines. Appeals typically must be filed within specific timeframes after assessment notices are mailed.

Q: What's the difference between residential and non-residential tax rates? A: Non-residential properties (commercial, industrial, rental properties with 4+ units) face higher tax rates. For 2025, Las Cruces non-residential properties are taxed at 0.034078 compared to 0.030287 for residential properties.

Q: Where can I find my exact tax rate? A: Contact the Doña Ana County Assessor's office with your property address to determine your exact rate, as it depends on your specific combination of taxing districts.

See the Full Picture of Your Home Costs

Property taxes are just one piece of homeownership. HonestCasa helps you understand your total monthly cost and explore safe ways to access your home equity.

Total Monthly Cost

Mortgage + taxes + insurance + HOA

Equity Growth

Track how your equity grows over time

Safe Equity Access

Options for projects or debt payoff

Free • No credit check • 2-minute estimate