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Updated 2025 Tax Year

Anderson County
Property Tax Guide

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

10 Official Sources
8 min read
Quick Facts
Tax Rate
2.5%-3.5% effective rate (varies by location and taxing districts within Anderson County)
1st Due
Jan 31
Exemptions
4+ Available
Section 1

How Property Tax Works

Anderson County, Texas operates under the state's property tax system to fund essential local services including schools, county operations, emergency services, and infrastructure maintenance. Property taxes are the primary revenue source for these services, with the county collecting taxes on behalf of multiple jurisdictions including school districts, municipalities, and special districts. The effective tax rate in Anderson County varies significantly by location within the county, typically ranging from approximately 2.5% to 3.5% of assessed value, depending on which special taxing districts serve your specific property.

Property assessments in Anderson County are conducted annually by the Anderson County Appraisal District, with values generally reflecting market conditions as of January 1st each year. However, Texas law provides important protections for homeowners, including a 10% annual cap on assessment increases for homestead properties and various tax credits that can significantly reduce your tax burden. It's crucial to understand that most tax benefits require annual application and are not automatically applied to your property tax bill.

Section 2

What Makes Up Your Tax Bill

ComponentRate (per $100 valuation)Description
Anderson County$0.450040County general fund, roads, law enforcement, courts
School DistrictVaries by districtTypically $1.00-$1.35, varies by specific school district
City/MunicipalVaries by cityApplied only within city limits, rates vary by municipality
Emergency Services DistrictVaries by ESDFire protection, EMS services in unincorporated areas
Hospital DistrictVaries by districtHealthcare services, if applicable to your area
Water/Utility DistrictsVaries by districtWater, sewer, drainage infrastructure

Fiscal Year: These rates apply to the 2025-2026 tax year. The Anderson County base rate of $0.450040 per $100 valuation was adopted for 2025. Your total effective rate depends on your property's location within the county and which special taxing districts provide services to your area. Properties in different areas of Anderson County can have significantly different total tax rates due to varying combinations of school districts, cities, and special districts.

Section 3

When Are Property Taxes Due?

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

First Installment
Jan 31
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 Anderson County are additional property tax bills issued when there are mid-year changes to property ownership, value, or use that affect the taxable assessment. The most common triggers include new construction completion, property ownership transfers, or changes in property use (such as converting agricultural land to residential use). When these events occur, the county assesses the difference between the previous tax liability and the new tax liability, prorating the additional amount for the remaining portion of the tax year.

For example, if you complete a $100,000 home addition in June and your total effective tax rate is 3.0%, you would receive a supplemental tax bill for approximately $1,500 ($100,000 × 3.0% × 6/12 months remaining in the tax year). This supplemental bill is separate from your regular annual property tax bill and typically has its own payment due date, usually within 30 days of issuance.

Example Calculation

Example 1: $300,000 Home with Homestead

  • Market Value: $300,000
  • Homestead Exemption (School): -$100,000
  • Net Taxable Value: $200,000
  • Estimated Total Tax Rate: 2.8%
  • Annual Tax: $5,600
  • Monthly Escrow: $467

Example 2: $600,000 Home with Homestead and Senior Exemption

  • Market Value: $600,000
  • Homestead Exemption (School): -$100,000
  • Additional Senior Exemption: -$10,000
  • Net Taxable Value: $490,000
  • Estimated Total Tax Rate: 3.0%
  • Annual Tax: $14,700
  • Monthly Escrow: $1,225

Example 3: $1,000,000 Home with All Applicable Credits

  • Market Value: $1,000,000
  • Homestead Exemption (School): -$100,000
  • Net Taxable Value: $900,000
  • Estimated Total Tax Rate: 3.2%
  • Annual Tax: $28,800
  • Monthly Escrow: $2,400

Note: All exemptions and credits require annual application and approval. Tax rates vary by specific location within Anderson County based on local taxing districts.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Anderson County require borrowers to establish an escrow account to ensure timely property tax payments. Your lender will estimate your annual property tax bill and divide it by 12 to determine your monthly escrow payment, which is collected along with your mortgage payment. Lenders typically maintain a cushion of 2-6 months of tax payments in the escrow account to account for tax increases and ensure sufficient funds are available when taxes are due.

Property taxes in Anderson County are due by April 20th and October 15th if paid in installments, or January 31st if paid in full. Your lender will make these payments on your behalf from your escrow account. You should receive an annual escrow statement showing all deposits and payments, and any shortage or surplus will result in an adjustment to your monthly escrow payment. It's important to verify that your lender has received and processed any tax exemptions or credits you've been granted, as these affect your tax bill and required escrow amount.

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 Anderson County for the current fiscal year? A: For the 2025-2026 tax year, taxes are due January 31, 2026 if paid in full, or you can pay in two installments due April 20, 2026 and October 15, 2026.

Q: What tax credits are available and do I need to apply? A: Major tax credits include the $100,000 homestead exemption for school district taxes, senior exemptions for those 65+, disability exemptions, and veteran exemptions. All credits require annual application with the Anderson County Appraisal District and are NOT automatic.

Q: How does the homestead exemption work? A: The homestead exemption provides two benefits: it reduces your taxable value by $100,000 for school district taxes, and it caps annual assessment increases at 10%. You must file an application with the Anderson County Appraisal District, and it only applies to your primary residence.

Q: When do I need to apply for exemptions for next year? A: Applications for most exemptions must be filed by April 30th to apply to the current tax year. Late applications may be accepted with penalty until December 31st in some cases.

Q: How do I appeal my property assessment? A: You can file a protest with the Anderson County Appraisal Review Board by May 31st (or within 30 days of receiving your notice, whichever is later). The process is free and can be done online, by mail, or in person.

Q: What are the penalties for late tax payments? A: Penalties begin at 7% in July, increase to 8% in August, and 9% in September. Interest accrues at 1% per month, and attorney fees may be added for delinquent accounts.

Q: Can I pay my property taxes online? A: Yes, Anderson County offers online payment options through their official website. Convenience fees typically apply for online and phone payments.

Q: Why did my taxes increase even though I have a homestead exemption? A: The 10% assessment cap only limits increases to your home's base value. Taxes can still increase due to rising tax rates, new special district assessments, or improvements to your property.

Q: Do special districts affect my tax rate? A: Yes, your location within Anderson County determines which special districts (school, emergency services, hospital, utility districts) tax your property. Properties in different areas can have significantly different total tax rates.

Q: What happens if I don't receive my tax bill? A: You are still responsible for paying taxes on time even if you don't receive a bill. Contact the Anderson County Tax Office immediately to obtain your bill and avoid penalties.

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