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Updated 2025 Tax Year

Camp County
Property Tax Guide

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

10 Official Sources
8 min read
Quick Facts
Tax Rate
Varies by district combination, typically 2.2-2.8% total (county + school + municipal + special districts)
1st Due
Jan 31
Exemptions
5+ Available
Section 1

How Property Tax Works

Camp County, Texas operates under the state's property tax system, which serves as the primary funding mechanism for local government services including public schools, county operations, municipal services, and various special districts. Property taxes in Camp County fund essential services such as education, emergency services, road maintenance, libraries, and local infrastructure projects. The county follows Texas state law requiring annual property assessments and applies the standard Texas homestead protections.

Property tax rates in Camp County vary by location within the county due to different combinations of taxing entities including the county, school districts, municipalities, and special purpose districts such as emergency services districts or municipal utility districts. While the county base rate provides a foundation, residents may pay additional taxes to multiple overlapping jurisdictions depending on their specific location. The effective tax rate typically ranges from approximately 1.5% to 2.2% of assessed value, though this can vary significantly based on your property's location and the specific combination of taxing districts that serve your area.

Section 2

What Makes Up Your Tax Bill

Based on available data for the FY 2025-2026 tax year:

ComponentRate per $100Description
Camp County$0.422737County general fund and operations
School DistrictVaries by districtLocal school district taxes (varies by specific district)
MunicipalVaries by cityCity taxes (if within city limits)
Emergency ServicesVaries by districtEmergency services districts (where applicable)
Special DistrictsVariesMUDs, hospital districts, or other special purpose districts

Note: The 2026 Camp County rate shown is $0.422737 per $100 of assessed value. Rates for FY 2025-2026 may differ and should be verified with the Camp County Tax Assessor-Collector. Your total tax rate depends on your specific location within the county and which taxing districts serve your property. Contact the Camp County Appraisal District for your exact tax rate combination.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Camp 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 Camp County are additional property tax assessments that occur when there are changes to property ownership, value, or classification outside of the regular annual assessment cycle. The most common triggers include change of ownership (such as through sale or transfer), new construction or major improvements, and corrections to previous assessments when errors are discovered.

When a supplemental assessment is issued, it covers the period from the effective date of the change through the end of the current tax year. For example, if you purchase a home in Camp County in June and the previous owner's assessment was lower than current market value, you may receive a supplemental tax bill for the difference between July and December. The supplemental tax is calculated by applying the current tax rate to the difference between the old and new assessed values, then prorating it for the remaining months of the tax year.

Example Calculation

Example 1: $300,000 Home

  • Market Value: $300,000
  • Less: Homestead Exemption: $100,000 (school district portion)
  • Net Taxable Value: $200,000 (for school); $300,000 (for other entities)
  • Estimated Annual Tax: $4,800-$6,000*
  • Monthly Escrow: $400-$500

Example 2: $600,000 Home

  • Market Value: $600,000
  • Less: Homestead Exemption: $100,000 (school district portion)
  • Net Taxable Value: $500,000 (for school); $600,000 (for other entities)
  • Estimated Annual Tax: $10,200-$12,600*
  • Monthly Escrow: $850-$1,050

Example 3: $1,000,000 Home

  • Market Value: $1,000,000
  • Less: Homestead Exemption: $100,000 (school district portion)
  • Net Taxable Value: $900,000 (for school); $1,000,000 (for other entities)
  • Estimated Annual Tax: $17,000-$21,000*
  • Monthly Escrow: $1,417-$1,750

*Tax amounts vary significantly based on your specific location and applicable taxing districts. Homestead exemption requires application and applies only to your primary residence.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Camp County require property tax escrow accounts, where you pay estimated property taxes monthly along with your mortgage payment. Your lender collects these funds and pays your property taxes directly to the Camp County Tax Assessor-Collector when taxes become due. Texas property taxes are typically due January 31st annually, though some jurisdictions may offer split payment options with earlier due dates in October and December.

Lenders are required to conduct annual escrow analyses to ensure adequate funds are collected. If your property taxes increase due to rising assessments or tax rate changes, your monthly escrow payment will be adjusted accordingly. You'll receive an escrow analysis statement showing any shortage or surplus, and payments may be adjusted gradually over 12 months. Property owners should review their annual tax statements and notify their lender of any discrepancies. You have the right to pay property taxes directly if you choose to close your escrow account, though lenders may require this option only if you meet certain loan-to-value requirements.

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 Camp County property taxes due for FY 2025-2026? A: Property taxes are generally due January 31st annually. However, some taxing entities may offer split payment options with earlier due dates around October 15th and December 15th. Check your tax bill for specific due dates as they can vary by taxing jurisdiction.

Q: What homestead tax credits are available and do I need to apply? A: The primary homestead exemption provides up to $100,000 in assessed value reduction for school district taxes on your primary residence. You must apply for this exemption with the Camp County Appraisal District - it is not automatic. Additional exemptions may be available for seniors, disabled persons, or veterans, all requiring separate applications.

Q: How does the homestead exemption work? A: The homestead exemption reduces your property's assessed value for tax purposes and caps annual assessment increases at 10% for your primary residence. It does not reduce the market value of your home. You must file an application with the Camp County Appraisal District by April 30th following the year you become eligible.

Q: When are properties reassessed and can I appeal? A: Properties are reassessed annually as of January 1st. You'll receive a notice of appraised value typically in April or May. You have the right to protest your appraisal with the Camp County Appraisal Review Board. Protests must generally be filed by May 31st or within 30 days of receiving your notice, whichever is later.

Q: What are the penalties for late property tax payments? A: Late payments incur penalties and interest charges. Typically, you'll face a 6% penalty in February, 7% in March, 8% in April, and 9% in May, plus additional interest charges. After July 1st, additional penalties may apply and your account may be subject to collection actions.

Q: Can I pay my property taxes online? A: Yes, Camp County typically offers online payment options through the Tax Assessor-Collector's website. You can usually pay by electronic check or credit card, though credit card payments may incur processing fees. Contact the Camp County Tax Office for current online payment options and any associated fees.

Q: Why do I pay taxes to multiple entities? A: Your property may be served by multiple taxing jurisdictions including Camp County, a school district, municipality (if within city limits), and special districts such as emergency services, hospital districts, or municipal utility districts. Each entity sets its own tax rate to fund specific services, resulting in separate line items on your tax bill.

Q: What triggers a special district tax assessment? A: Special district taxes fund specific services like emergency response, hospital services, or municipal utilities. These are based on your property's location within the district boundaries. New special districts may be created through voter approval, and existing districts may adjust rates annually based on their budget needs and state-imposed limitations.

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