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Updated 2025 Tax Year

Cottle County
Property Tax Guide

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

10 Official Sources
8 min read
Quick Facts
Tax Rate
$0.86 to over $1.20 per $100 assessed value (varies by taxing districts)
1st Due
Jan 31
Exemptions
5+ Available
Section 1

How Property Tax Works

Cottle County, Texas operates under the state's property tax system, which serves as the primary funding mechanism for local government services, schools, infrastructure, and emergency services. Property taxes in Cottle County are levied annually based on the assessed value of real estate and personal property, with taxes becoming a lien on January 1st of each tax year and due by January 31st of the following year.

The effective tax rate in Cottle County varies significantly depending on your specific location within the county, as multiple taxing entities may apply to a single property. These can include the county, school districts, cities, hospital districts, and other special purpose districts. For the current tax year, the combined rates typically range from approximately $0.86 to over $2.00 per $100 of assessed value, depending on which taxing jurisdictions apply to your property. Property owners should note that tax credits and exemptions are available but generally require separate applications and are not automatically applied to your tax bill.

Section 2

What Makes Up Your Tax Bill

ComponentRate per $100Description
Cottle County$0.8636General county operations, roads, law enforcement
School DistrictVaries by districtLocal school funding (typically $1.00-$1.40)
CitiesVaries by municipalityMunicipal services where applicable
Hospital DistrictVaries if applicableHealthcare services
Special DistrictsVaries by locationWater, fire, utility districts as applicable

Note: The county rate shown reflects the FY 2025-2026 levy year. The no-new-revenue rate for Cottle County is $0.8436 per $100, with a voter-approval rate of $0.9362 per $100. Your actual total tax rate depends on which taxing jurisdictions serve your specific property location. School district rates, which typically represent the largest portion of your tax bill, vary by district and require separate rate setting processes.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Cottle 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 Cottle County are additional property tax assessments that occur when there are changes to property ownership, improvements, or new construction during the tax year. These taxes are calculated based on the difference between the old and new assessed values, prorated for the remaining months in the tax year from when the change occurred.

Common triggers for supplemental taxes include: purchasing property that was previously exempt, completing new construction or major renovations, subdividing land, or removing property from agricultural exemption status. For example, if you complete a $50,000 home addition in July and your total tax rate is $2.00 per $100 of value, you would owe a supplemental tax of approximately $500 ($50,000 ÷ 100 × $2.00) prorated for the remaining six months of the tax year, resulting in about $250 in additional taxes due.

Example Calculation

Example 1: $300,000 Home with Homestead Exemption

  • Market Value: $300,000
  • School Homestead Exemption: -$100,000 (for school portion only)
  • County Taxable Value: $300,000
  • School Taxable Value: $200,000
  • Estimated Total Annual Tax: $2,836
  • Monthly Escrow: $236

Example 2: $600,000 Home with Homestead Exemption

  • Market Value: $600,000
  • School Homestead Exemption: -$100,000 (for school portion only)
  • County Taxable Value: $600,000
  • School Taxable Value: $500,000
  • Estimated Total Annual Tax: $6,836
  • Monthly Escrow: $570

Example 3: $1,000,000 Home with Homestead Exemption

  • Market Value: $1,000,000
  • School Homestead Exemption: -$100,000 (for school portion only)
  • County Taxable Value: $1,000,000
  • School Taxable Value: $900,000
  • Estimated Total Annual Tax: $11,836
  • Monthly Escrow: $986

Note: These calculations assume a combined tax rate of approximately $1.30 per $100 and require homestead exemption application. Actual rates vary by specific location and taxing districts.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Cottle County require property tax escrow accounts to ensure timely payment of property taxes. Your lender will estimate your annual tax bill, divide it by 12, and collect this amount monthly along with your mortgage payment. Since Texas property taxes are due January 31st annually, lenders typically maintain a cushion in your escrow account to cover the full payment when due.

Lenders are required to provide annual escrow analysis statements showing the previous year's activity and any adjustments needed for the coming year. If your property taxes increase due to rising assessments or tax rate changes, your monthly escrow payment may increase accordingly. Property owners should verify that their lender has current exemption information, as homestead and other exemptions can significantly impact the tax amount. You can monitor your escrow account and request documentation of tax payments from your lender to ensure accuracy.

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 Cottle County? A: Property taxes are due January 31st annually. Taxes become delinquent February 1st, with penalty and interest charges applied to late payments.

Q: What homestead benefits are available and how do I apply? A: The primary homestead benefit is a $100,000 exemption from school district taxes for your primary residence, plus a 10% annual cap on assessment increases. You must file a homestead exemption application with the Cottle County Appraisal District by April 30th of the tax year.

Q: Are there other tax exemptions available? A: Yes, including exemptions for seniors 65+, disabled veterans, agricultural use, and charitable organizations. Each requires a separate application with specific deadlines and documentation requirements.

Q: How often are properties reassessed? A: Properties are appraised annually as of January 1st. Homestead properties benefit from a 10% annual cap on taxable value increases, regardless of market value changes.

Q: How can I appeal my property assessment? A: You can protest your appraisal with the Cottle County Appraisal Review Board. Protests must typically be filed by May 15th or within 30 days of receiving your appraisal notice.

Q: What are the penalties for late payment? A: Penalty and interest begin February 1st. Penalties start at 6% in February and increase monthly, plus 1% monthly interest on the total amount due.

Q: Can I pay my taxes online? A: Contact the Cottle County Tax Assessor-Collector's office for current online payment options and accepted payment methods.

Q: Why did my taxes increase if the tax rate didn't change? A: Tax increases can result from higher property appraisals, new debt service requirements, or additional special district assessments, even when base tax rates remain stable.

Q: Do I need to reapply for exemptions each year? A: Most exemptions, once approved, continue automatically. However, you should notify the appraisal district of any changes in eligibility, such as no longer using your home as a primary residence.

Q: How do special districts affect my tax bill? A: Special districts (water, hospital, utility, etc.) can add significant amounts to your tax bill. Your total rate depends on which districts serve your specific property location within Cottle County.

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