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Updated 2025 Tax Year

Cameron County
Property Tax Guide

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

10 Official Sources
8 min read
Quick Facts
Tax Rate
Base county rate $0.424393 per $100 assessed value, total varies by school district and municipal services
1st Due
Jan 31
Exemptions
5+ Available
Section 1

How Property Tax Works

Cameron County, Texas operates under the state's property tax system, which serves as the primary funding mechanism for local government services including schools, county operations, municipal services, and various special districts. Property taxes in Cameron County fund essential services such as public education, law enforcement, fire protection, road maintenance, and judicial services. The county follows Texas Property Tax Code regulations, with properties assessed annually based on market value as of January 1st.

Property tax rates in Cameron County vary significantly by location due to the combination of different taxing entities that serve each property. While the county's base tax rate for 2025 is $0.424393 per $100 of assessed value, most properties are also subject to school district taxes, city taxes (if within city limits), and various special district assessments for services like water, drainage, or hospital districts. Total effective tax rates typically range from 2.5% to 3.2% of assessed value depending on your specific location and the taxing districts that serve your property.

Section 2

What Makes Up Your Tax Bill

ComponentRate per $100Description
Cameron County$0.424393County general fund, roads, courthouse, sheriff
School Districts$1.00-$1.35Varies by district (Brownsville ISD, Los Fresnos CISD, etc.)
Cities$0.45-$0.75Municipal services (if within city limits)
Emergency Services$0.08-$0.12Fire protection districts
Hospital Districts$0.15-$0.25Cameron County Hospital District
Water/Drainage$0.05-$0.20Various utility districts
Port Authority$0.02-$0.04Brownsville Navigation District (select areas)

Rates shown are for Tax Year 2024 (FY 2024-2025). Your actual total tax rate depends on which combination of these taxing entities serve your specific property location. Contact the Cameron County Appraisal District at (956) 544-0815 to determine your exact taxing entities.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Cameron 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 tax bills in Cameron County are issued when there are mid-year changes to property ownership, new construction completion, or property improvements that weren't included in the original January 1st assessment. The most common trigger is when new construction or major renovations are completed after the January 1st assessment date but before the end of the tax year.

Supplemental taxes are calculated by determining the additional assessed value and applying the current year's tax rates for the remaining months in the tax year. For example, if a $100,000 addition to your home is completed on July 1st, you would owe supplemental taxes on that additional value for the remaining six months of the tax year. At a combined tax rate of 2.8%, this would result in a supplemental bill of approximately $1,400 ($100,000 × 0.028 × 6/12 months). Supplemental tax bills are typically mailed within 60 days of the assessment change and follow the same penalty schedule as regular property taxes if not paid by the due date.

Example Calculation

Example 1: $300,000 Home with Homestead Exemption

  • Market Value: $300,000
  • School Homestead Exemption: -$100,000 (school portion only)
  • County/City Assessed Value: $300,000
  • School Assessed Value: $200,000
  • Combined Tax Rate: 2.85%
  • Annual Tax: $6,705 | Monthly Escrow: $559

Example 2: $600,000 Home with Homestead and Over-65 Exemptions

  • Market Value: $600,000
  • School Homestead Exemption: -$100,000 (school portion)
  • Over-65 County Exemption: -$3,000 (county portion)
  • County/City Assessed Value: $597,000
  • School Assessed Value: $500,000
  • Combined Tax Rate: 2.75%
  • Annual Tax: $14,575 | Monthly Escrow: $1,215

Example 3: $1,000,000 Commercial Property

  • Market Value: $1,000,000
  • No Exemptions Available: $0
  • Full Assessed Value: $1,000,000
  • Combined Tax Rate: 2.95%
  • Annual Tax: $29,500 | Monthly Escrow: $2,458

Note: All exemptions require annual application and approval. Rates vary by specific location and taxing districts.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Cameron County require property tax escrow accounts for loans with less than 20% down payment. Your lender collects 1/12th of your estimated annual property tax bill with each monthly mortgage payment, depositing these funds into an escrow account. The lender then pays your property taxes directly to Cameron County when they become due throughout the year.

Cameron County operates on a quarterly payment system with due dates of March 31st, May 31st, July 31st, and October 31st for each tax year. Your mortgage servicer will typically pay these installments automatically from your escrow account. Each year, your lender performs an escrow analysis to ensure adequate funds are collected, which may result in payment adjustments if property values or tax rates have changed significantly. You should receive an annual escrow statement showing all deposits, payments made on your behalf, and any shortage or surplus in your account. Property owners can verify tax payments were made correctly by checking the Cameron County Tax Assessor-Collector's website or calling (956) 544-0815.

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 Cameron County property taxes due for tax year 2024? A: Cameron County offers quarterly payments with due dates of March 31, 2025, May 31, 2025, July 31, 2025, and October 31, 2025. Alternatively, you can pay the full annual amount by January 31, 2025, without penalty.

Q: What homestead tax benefits are available and do they apply automatically? A: The primary benefit is the Residential Homestead Exemption, which provides up to $100,000 exemption from school district taxes only and caps annual assessment increases at 10% for your primary residence. This is NOT automatic - you must file an application with the Cameron County Appraisal District by April 30th of the tax year.

Q: Are there additional tax reductions for seniors or disabled persons? A: Yes, residents over 65 or disabled persons may qualify for additional exemptions and frozen tax amounts. Over-65 exemption applications must be filed by April 30th with the Appraisal District. Contact (956) 544-0815 for specific exemption amounts and requirements.

Q: How often are properties reassessed in Cameron County? A: All properties are assessed annually as of January 1st. However, homestead properties with the homestead exemption are protected by a 10% annual cap on assessment increases, regardless of actual market value changes.

Q: What happens if I pay my property taxes late? A: Penalties begin February 1st for taxes not paid by January 31st. Penalty rates are 6% in February, 7% in March, 8% in April, 9% in May, 10% in June, and 12% in July and thereafter, plus 1% interest per month.

Q: Can I pay my Cameron County property taxes online? A: Yes, online payments are accepted through the Cameron County Tax Assessor-Collector website. Credit card and electronic check payments are available, though convenience fees may apply.

Q: How do I appeal my property assessment? A: Property owners can protest their assessed value with the Cameron County Appraisal Review Board. Protests must be filed by May 15th (or within 30 days of receiving your notice of appraised value, whichever is later). Contact the Appraisal District at (956) 544-0815 for protest forms.

Q: Why do property tax rates vary within Cameron County? A: Your total tax rate is the sum of all taxing entities that serve your property, including the county, school district, city (if applicable), and various special districts for services like hospitals, water, drainage, or emergency services. Properties in different areas are served by different combinations of these entities, resulting in varying total rates.

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