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Updated 2025 Tax Year

Concho County
Property Tax Guide

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

10 Official Sources
8 min read
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Quick Facts
Tax Rate
1.2% to 1.8% of assessed value, varies by location and taxing jurisdictions
1st Due
Jan 31
Exemptions
5+ Available
Section 1

How Property Tax Works

Concho 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 administered by the Concho County Appraisal District, which determines property values, while the tax assessor-collector handles billing and collection. The county follows Texas Property Tax Code guidelines, with properties assessed annually at market value as of January 1st.

The effective property tax rate in Concho County varies by location within the county due to overlapping taxing jurisdictions including the county, school districts, cities, and special districts. Total rates typically range from approximately 1.2% to 1.8% of assessed value, depending on your specific location and the combination of taxing entities that serve your property. Most property owners benefit from the state's 10% annual assessment increase cap on homesteads, which helps provide predictable tax obligations even when property values rise significantly.

Section 2

What Makes Up Your Tax Bill

ComponentRate (per $100)Description
County Maintenance & Operations$0.45General county services, roads, law enforcement
County Interest & Sinking$0.095County debt service and bond payments
School DistrictVaries by districtLocal school operations and debt service
City/MunicipalVaries by cityCity services (if within city limits)
Special DistrictsVaries by districtHospital districts, water districts, etc.

Rates shown are for FY 2025-2026. The county portion totals $0.545 per $100 of assessed value. School district rates and any municipal or special district rates will be added based on your property's location. Contact the Concho County Appraisal District at (325) 732-4322 for your specific total rate, as it varies significantly depending on which taxing jurisdictions serve your property.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Concho 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 Concho County are issued when property ownership changes, new construction is completed, or significant improvements are made that weren't included in the original annual assessment. These bills cover the tax difference between the original assessment and the new assessed value, prorated for the remaining months in the tax year.

For example, if you purchase a home in June that was previously under-assessed, or if you complete a home addition mid-year, the appraisal district will issue a supplemental assessment reflecting the property's current value. The supplemental tax is calculated by taking the difference between the old and new assessed values, applying the appropriate tax rate, then prorating for the remaining months of the fiscal year. If your property's assessed value increases from $200,000 to $300,000 in June due to completed improvements, and your total tax rate is 1.5%, you would owe approximately $625 in supplemental taxes (($100,000 × 0.015) × 5/12 months remaining).

Example Calculation

Example 1: $300,000 Home with Homestead

  • Market Value: $300,000
  • Homestead Exemption: $100,000 (school district only)
  • School District Taxable Value: $200,000
  • County/Other Taxable Value: $300,000
  • Annual Tax: ~$3,600-4,200 | Monthly: ~$300-350

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

  • Market Value: $600,000
  • Homestead Exemption: $100,000 (school district)
  • Over-65 Exemption: $10,000 additional (varies by district)
  • Estimated Annual Tax: ~$7,500-8,500 | Monthly: ~$625-710

Example 3: $1,000,000 Home with Available Credits

  • Market Value: $1,000,000
  • Homestead Exemption: $100,000 (school district only)
  • School District Taxable: $900,000
  • County/Other Taxable: $1,000,000
  • Annual Tax: ~$14,000-16,000 | Monthly: ~$1,165-1,335

All exemptions require annual application and approval. Rates vary by specific location within the county. Contact the appraisal district for precise calculations.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Concho County require property tax escrow accounts, collecting 1/12 of your estimated annual tax bill with each monthly payment. Lenders typically collect an initial escrow deposit at closing equal to 2-3 months of taxes, then analyze your account annually to ensure adequate funding. The escrow analysis compares actual tax payments to collected amounts, resulting in either a refund or increased monthly payments if there's a shortage.

Property tax payments from escrow accounts are typically made by your lender around the due dates. Since Concho County follows Texas standard due dates with taxes becoming due January 31st annually, lenders usually remit payment in January or early February. You can verify escrow payments by checking your annual mortgage statement or contacting your loan servicer. If you pay taxes directly (without escrow), you're responsible for meeting all deadlines and can face penalties and interest charges for late payments.

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 Concho County? A: For FY 2025-2026, property taxes are due January 31, 2026. Texas allows single annual payments, though some jurisdictions offer split payment options.

Q: What tax credits are available and how do I apply? A: Major credits include the Homestead Exemption ($100,000 for school taxes), Over-65 Exemption, Disabled Person Exemption, and Veteran Exemptions. All require application with the Concho County Appraisal District by April 30th annually.

Q: How does the Homestead Exemption work? A: The Homestead Exemption provides a $100,000 reduction in assessed value for school district taxes only, plus caps annual assessment increases at 10%. You must apply with documentation proving the property is your primary residence as of January 1st.

Q: When are properties assessed and how can I appeal? A: Properties are assessed annually as of January 1st. You'll receive a notice of assessed value by May 1st. Appeals must be filed with the Appraisal Review Board by May 31st or within 30 days of receiving your notice.

Q: What are the penalties for late payment? A: Texas charges 6% penalty on February 1st, plus 1% interest monthly. Additional attorney fees may apply for delinquent accounts that enter collection.

Q: Can I pay property taxes online? A: Contact the Concho County Tax Office at (325) 732-4004 for current online payment options and accepted payment methods.

Q: Why did my taxes increase if my rate stayed the same? A: Tax increases typically result from higher assessed values due to market appreciation, new construction, or loss of exemptions. The 10% homestead cap limits assessment increases but doesn't prevent them entirely.

Q: What special districts might affect my tax rate? A: Depending on location, you may pay additional taxes for hospital districts, emergency services districts, municipal utility districts, or other special purpose districts. Your total rate depends on which districts serve your specific property location.

Verified Sources

Backed by 10 Official Government Sources

Every fact in this guide is sourced from official county, state, and federal documents.

01
County
Tax Rate - Concho County, Texasco.concho.tx.us
02
County
state of texas - county of conchoco.ector.tx.us
03
County
order adopting general fund tax rate for fy 2025 - Concho Countyco.concho.tx.us
04
Tax Doc
Texas Property Tax Assistance Property Classification Guidecomptroller.texas.gov
05
Tax Doc
96-1717 Handbook of Texas Property Tax Rulescomptroller.texas.gov
06
Concho - 048 - Texas Comptrollercomptroller.texas.gov
07
Tax Doc
Report on Cost of Property Tax Exemption for 100 Percent ...comptroller.texas.gov
08
County
Prescribed by Secretary of State - Concho Countyco.concho.tx.us
09
County
Concho County Appraisal District - Texas Comptrollercomptroller.texas.gov
10
METHODS AND ASSISTANCE PROGRAM 2017 REPORTcomptroller.texas.gov
All sources verified as of 2025 Tax Year

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