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Updated 2025 Tax Year

Baylor County
Property Tax Guide

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

10 Official Sources
8 min read
Quick Facts
Tax Rate
1.6% to 2.2% varies by taxing entities (county, school district, city, special districts)
1st Due
Jan 31
Exemptions
5+ Available
Section 1

How Property Tax Works

Baylor County, Texas operates under the state's property tax system, which serves as the primary funding mechanism for essential local services including schools, county operations, emergency services, and infrastructure maintenance. Property taxes in Baylor County are administered by the Baylor County Appraisal District, with collections handled by the county tax assessor-collector. The county follows Texas Property Tax Code guidelines, which include assessment caps and homestead protections for qualifying properties.

Property tax rates in Baylor County vary by location within the county due to different combinations of taxing entities, including the county, school districts, cities, and special purpose districts. The effective tax rate typically ranges from approximately 1.6% to 2.2% of assessed value, depending on your specific location and the special taxing districts that serve your property. All property owners should verify their specific tax rate combination based on their property's location and the applicable taxing jurisdictions.

Section 2

What Makes Up Your Tax Bill

Based on the FY 2025 budget proposal, the following rates apply to properties in Baylor County:

ComponentRate (per $100 valuation)Description
Baylor County$0.377County operations, roads, law enforcement
School DistrictVaries by districtLocal school district operations and debt service
City (if applicable)Varies by municipalityCity services within incorporated areas
Special DistrictsVariesHospital districts, water districts, other special purposes

Note: The county rate of $0.377 per $100 of assessed value was proposed for FY 2025. School district rates and municipal rates vary significantly depending on your property's location. Special taxing districts may add additional assessments. Property owners should verify their total combined rate by contacting the Baylor County Tax Office or checking their most recent tax statement, as rates can differ substantially between areas within the county.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Baylor 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 Baylor County are additional tax bills issued when property undergoes changes that affect its assessed value during the tax year. Common triggers include change of ownership, new construction, completion of improvements, or correction of assessment errors. When these events occur, the appraisal district reassesses the property and calculates the difference between the original tax bill and what should have been billed based on the new assessment.

Supplemental taxes are calculated by taking the difference between the new assessed value and the original assessed value, then applying the current tax rate to that difference. The tax is prorated based on the number of months remaining in the tax year when the change occurred. For example, if a $50,000 addition is completed in July and the total tax rate is 2.0%, the supplemental tax would be approximately $500 ($50,000 × 0.02 × 6/12 months remaining).

Example Calculation

The following examples assume a combined tax rate of 2.0% (including county, school, and other applicable districts) and include applicable homestead exemptions where noted:

Example 1: $300,000 Home with Homestead Exemption

  • Market Value: $300,000
  • Less School Homestead Exemption: $100,000
  • Net Taxable Value: $200,000
  • Annual Tax: $4,000 ($200,000 × 0.02)
  • Monthly Escrow: $333

Example 2: $600,000 Home with Homestead Exemption

  • Market Value: $600,000
  • Less School Homestead Exemption: $100,000
  • Net Taxable Value: $500,000
  • Annual Tax: $10,000 ($500,000 × 0.02)
  • Monthly Escrow: $833

Example 3: $1,000,000 Commercial Property

  • Market Value: $1,000,000
  • Less Exemptions: $0 (commercial properties don't qualify for homestead)
  • Net Taxable Value: $1,000,000
  • Annual Tax: $20,000 ($1,000,000 × 0.02)
  • Monthly Escrow: $1,667

Note: Homestead exemptions require application and approval. Actual rates vary by specific location within Baylor County.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Baylor County require property tax escrow accounts for borrowers with loans exceeding 80% of property value. The lender collects monthly payments equal to 1/12th of the annual property tax bill along with your mortgage payment. These funds are held in an escrow account and used to pay your property taxes when due. Lenders typically pay taxes before the January 31 deadline to avoid penalties and interest charges.

Property owners with escrow accounts should review their annual escrow analysis statement to ensure adequate funds are being collected. If property values increase significantly or tax rates change, you may need to increase monthly escrow payments or pay a shortage. You can verify that taxes were paid correctly by checking with the Baylor County Tax Office or accessing your account online. If you pay off your mortgage or refinance, you become responsible for paying property taxes directly to the county.

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 Baylor County for the current fiscal year? A: Property taxes are due January 31st annually. Texas law provides for split payments, but Baylor County follows a single payment schedule with January 31 as the final deadline.

Q: What homestead exemptions are available and how do I apply? A: The primary homestead exemption is the $100,000 school district exemption for your primary residence. You must file an application with the Baylor County Appraisal District by April 30th of the tax year. Additional exemptions may be available for seniors, veterans, or disabled persons, all requiring separate applications.

Q: Does the homestead exemption cap my assessment increases? A: Yes, Texas law limits annual assessment increases to 10% for homestead properties. This cap applies to the appraised value, not market value, and helps protect homeowners from dramatic tax increases due to rising property values.

Q: What happens if I pay my taxes late? A: Penalties and interest begin accruing February 1st. The penalty is 6% in February, 7% in March, and 8% in April, plus 1% interest per month. After July 1st, additional attorney fees may apply.

Q: How do I appeal my property assessment? A: You can protest your appraisal with the Baylor County Appraisal Review Board. Protests must typically be filed by May 15th (or within 30 days of receiving your notice). Contact the appraisal district for forms and procedures.

Q: Can I pay my property taxes online? A: Contact the Baylor County Tax Office to verify current online payment options and accepted payment methods. Many Texas counties offer online payment systems, but availability and fees vary.

Q: What exemptions are available for veterans or disabled persons? A: Texas offers various exemptions for qualifying veterans and disabled individuals. These require separate applications with supporting documentation filed with the appraisal district by April 30th annually.

Q: How do special districts affect my tax rate? A: Special districts like hospital districts, water districts, or municipal utility districts can add to your total tax rate. Your specific rate depends on which districts serve your property location within Baylor County.

Q: When do I need to file for exemptions? A: Most exemption applications are due by April 30th annually, though some have different deadlines. Late applications may be accepted with penalty in certain circumstances.

Q: What documentation do I need for a homestead exemption? A: You'll typically need a driver's license or state ID showing the property address as your residence, and the exemption application form. The property must be your primary residence as of January 1st of the tax year.

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