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Updated 2025 Tax Year

Callahan County
Property Tax Guide

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

9 Official Sources
8 min read
Quick Facts
Tax Rate
Varies by location, typically 1.8-2.5% (county base rate plus overlapping school districts and municipal entities)
1st Due
Oct 1
2nd Due
Jan 31
Exemptions
5+ Available
Section 1

How Property Tax Works

Callahan County, Texas operates under a property tax system that serves as the primary funding mechanism for local government services, including schools, county operations, emergency services, and infrastructure maintenance. Property taxes in Callahan County are assessed annually based on the January 1st market value of real and personal property, with taxes becoming due on October 1st each year. The county follows Texas Property Tax Code regulations, which include provisions for homestead protections and various tax credits for qualifying property owners.

The effective property tax rate in Callahan County varies significantly depending on your specific location within the county, as multiple taxing entities may overlap in different areas. These can include the county, school districts, cities, emergency services districts, and other special purpose districts. Property owners should expect their total effective rate to typically range from 1.5% to 2.2% of assessed value, though this can vary based on the combination of taxing districts that serve their property. Each taxing entity sets its own rate annually, and property owners receive a single consolidated tax bill that includes all applicable jurisdictions.

Section 2

What Makes Up Your Tax Bill

ComponentRate (per $100 value)Description
Callahan County$0.68County general fund operations, roads, law enforcement
School Districts$1.00-$1.35Varies by district (Baird ISD, Clyde CISD, Cross Plains ISD, etc.)
Cities$0.25-$0.75Municipal services (varies by city: Baird, Clyde, Cross Plains, Putnam)
Emergency Services$0.10-$0.15Fire protection and EMS districts where applicable
Hospital District$0.35Callahan County Hospital District (where applicable)
Water Districts$0.05-$0.20Municipal utility districts and water control districts

Rates shown are for FY 2025-2026 tax year. Your actual tax rate depends on which taxing districts serve your specific property location. The Callahan County rate of $0.68 per $100 valuation is confirmed for 2025. Contact the Callahan County Appraisal District for your specific district combination and total rate.

Section 3

When Are Property Taxes Due?

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

First Installment
Oct 1
Delinquent after Dec 10
Second Installment
Jan 31
Delinquent after Apr 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 property taxes in Callahan County are additional tax assessments that occur when there are mid-year changes to property ownership, value, or use that weren't captured in the original January 1st assessment. The most common triggers include new construction completed after January 1st, changes in property exemption status, successful appeals that increase property value, and corrections to assessment errors discovered during the tax year.

When supplemental taxes are levied, they are calculated by applying the current year's tax rate to the difference between the new assessed value and the original assessed value, prorated for the portion of the tax year remaining. For example, if new construction worth $50,000 is completed and assessed in July, the supplemental tax would be calculated as: ($50,000 ÷ 100) × total tax rate × (6 months ÷ 12 months). These supplemental bills are typically issued within 30-60 days of the triggering event and become due 30 days after the bill date, separate from the regular October 1st due date.

Example Calculation

Example 1: $300,000 Home with Homestead Exemption

  • Market Value: $300,000
  • School District Homestead Exemption: -$100,000
  • Taxable Value for School: $200,000
  • Taxable Value for Other Entities: $300,000
  • Estimated Total Tax Rate: $2.05 per $100
  • Annual Tax: ~$4,100
  • Monthly Escrow: ~$342

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

  • Market Value: $600,000
  • School District Homestead Exemption: -$100,000
  • Senior Citizens Additional Exemption: -$10,000 (application required)
  • Taxable Value: $490,000-$590,000 (varies by entity)
  • Estimated Total Tax Rate: $2.15 per $100
  • Annual Tax: ~$11,200
  • Monthly Escrow: ~$933

Example 3: $1,000,000 Property (No Exemptions)

  • Market Value: $1,000,000
  • No Exemptions Applied
  • Taxable Value: $1,000,000
  • Estimated Total Tax Rate: $2.20 per $100
  • Annual Tax: ~$22,000
  • Monthly Escrow: ~$1,833

Note: All tax credits and exemptions require separate applications to the Callahan County Appraisal District and are not automatically applied.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Callahan County require borrowers to maintain an escrow account for property tax payments, particularly when the loan-to-value ratio exceeds 80%. Your lender will collect monthly payments equal to approximately 1/12th of your annual property tax bill, plus a cushion amount typically equal to 2-3 months of payments as required by federal regulations. These funds are held in a separate escrow account and used to pay your property taxes when they become due on October 1st each year.

Lenders typically pay property taxes on behalf of borrowers 30-45 days before the January 31st delinquency date to ensure timely payment. You should receive an annual escrow analysis statement showing the account activity, and any shortage or surplus will be addressed through adjusted monthly payments or refunds. If you pay off your mortgage or your loan-to-value drops sufficiently, you may request elimination of the escrow requirement, but you'll then be responsible for making direct payments to Callahan County by the October 1st due date. Property owners should verify that their lender has the correct tax account number and mailing address with the Callahan County Tax Assessor-Collector to prevent payment delays.

How HonestCasa Helps
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  • See how rising taxes will change your monthly payment
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Section 6

Frequently Asked Questions

Q: When are property taxes due in Callahan County for the current tax year? A: Property taxes for FY 2025-2026 are due October 1, 2025, and become delinquent after January 31, 2026. Quarterly payment options may be available with the first installment due April 30th.

Q: What tax credits are available and do they require applications? A: Major tax credits include the Homestead Exemption ($100,000 school district exemption), Senior Citizens Exemption (additional $10,000), Disabled Veterans Exemptions, and Agricultural/Timber Use valuations. ALL require separate applications to the Callahan County Appraisal District by April 30th annually.

Q: How does the Homestead Exemption work? A: The Homestead Exemption provides a $100,000 reduction in taxable value for school district taxes only, plus caps annual assessment increases at 10% for your primary residence. You must file an application with the appraisal district - it is not automatic. The 10% cap limits how much your assessed value can increase each year, not your market value.

Q: When does the county reassess property values? A: Callahan County assesses all property annually as of January 1st. Property owners receive Notice of Appraised Value by May 1st and can protest values through the appraisal review board process, with initial protests due by May 31st (or 30 days after notice delivery, whichever is later).

Q: What are the penalties for late payment? A: Properties become delinquent after January 31st and accrue penalties of 6% in February, 7% in March, 8% in April, 9% in May, 10% in June, and 12% in July and thereafter, plus 1% monthly interest and potential attorney fees.

Q: Can I pay my property taxes online? A: Contact the Callahan County Tax Assessor-Collector's office at the courthouse in Baird for current online payment options and accepted payment methods. Many Texas counties offer online payment systems for property taxes.

Q: How do special district taxes affect my bill? A: Your property may be served by multiple taxing entities including school districts, cities, emergency services districts, hospital districts, and utility districts. Each sets its own tax rate, and you receive one consolidated bill. Your total rate depends on your specific location within the county.

Q: What triggers a supplemental tax assessment? A: New construction, property improvements, ownership changes affecting exemption eligibility, successful appeals that increase value, or corrections to assessment errors can trigger supplemental tax bills during the year, separate from the regular October 1st assessment.

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