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Updated 2025 Tax Year

Delta County
Property Tax Guide

Everything you need to know about property taxes in Delta 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
Varies by location within county due to different taxing entities; based on ~1.8% statewide average plus local additions
1st Due
Jan 31
Exemptions
5+ Available
Section 1

How Property Tax Works

Delta County, Texas operates under the state's property tax system to fund essential local services including public education, county operations, emergency services, and infrastructure maintenance. Property taxes are assessed annually based on the market value of real estate as determined by the Delta County Appraisal District, with various tax credits and exemptions available to qualifying property owners.

The effective property tax rate in Delta County varies by location within the county due to different combinations of taxing entities, including the county, school districts (such as Cooper ISD), cities, and special districts. While Texas maintains a statewide average effective rate of approximately 1.8%, Delta County property owners may experience rates that differ based on their specific location and the services provided by their local taxing authorities. Property values are subject to Texas's 10% annual assessment increase cap for homestead properties, and the county follows the state-mandated payment schedule with taxes due by January 31st annually.

Section 2

What Makes Up Your Tax Bill

Note: The following rates are subject to annual changes and may vary by specific location within Delta County based on applicable taxing districts.

ComponentEstimated RateDescription
County General FundVaries annuallyCounty operations, roads, law enforcement
School DistrictVaries by districtPublic education funding (e.g., Cooper ISD)
Emergency Services DistrictVaries by locationFire protection and emergency medical services
Water/Utility DistrictsVaries by locationWater supply and utility infrastructure
Hospital DistrictIf applicableLocal healthcare services

Important: Tax rates for FY 2025-2026 are set annually by each taxing entity's governing body. The exact combined rate depends on your property's location within Delta County and which special taxing districts serve your area. Contact the Delta County Tax Assessor-Collector for your specific combined rate, as properties in different parts of the county may have significantly different total tax rates depending on municipal boundaries and special district coverage.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Delta 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 Delta County are triggered by changes in property ownership, new construction, or significant improvements that increase a property's assessed value during the tax year. When these events occur, the Delta County Appraisal District conducts a supplemental assessment to capture the change in taxable value.

The supplemental tax is calculated by taking the difference between the new assessed value and the previous assessed value, then applying the current tax rate to that difference. The tax is prorated based on the number of months remaining in the tax year from the date of the triggering event. For example, if a property undergoes a $100,000 improvement in July and the combined tax rate is 2.0%, the supplemental tax would be approximately $1,000 (for the improvement value) × 50% (6 months remaining in the tax year) = $500. Property owners typically receive supplemental tax bills separately from their annual tax statement, and these are due within 30 days of issuance.

Example Calculation

Example 1: $300,000 Home with Homestead

  • Market Value: $300,000
  • Homestead Exemption (school district): -$100,000
  • Net Taxable Value: $200,000
  • Estimated Combined Rate: 2.2%
  • Annual Tax: $4,400
  • Monthly Escrow: $367

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

  • Market Value: $600,000
  • Homestead Exemption (school district): -$100,000
  • Additional Senior Exemption: -$10,000 (requires application)
  • Net Taxable Value: $490,000
  • Estimated Combined Rate: 2.2%
  • Annual Tax: $10,780
  • Monthly Escrow: $898

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

  • Market Value: $1,000,000
  • Homestead Exemption (school district): -$100,000
  • Net Taxable Value: $900,000
  • Estimated Combined Rate: 2.2%
  • Annual Tax: $19,800
  • Monthly Escrow: $1,650

Note: These examples use estimated rates. Actual rates vary by specific location within Delta County. Most exemptions require annual application and are not automatic.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Delta County require property tax escrow accounts for borrowers with less than 20% down payment or upon request. The lender collects monthly escrow payments equal to one-twelfth of the estimated annual property tax bill, plus homeowners insurance. These funds are held in a separate account and used to pay property taxes when due on January 31st.

Lenders typically conduct annual escrow analyses to ensure adequate funds are collected. If property taxes increase significantly due to rising assessments or tax rate changes, borrowers may face escrow shortages requiring either a lump-sum payment or increased monthly payments. Property owners can verify their tax payments through the Delta County Tax Assessor-Collector's office and should review their annual escrow statements to ensure accuracy. When refinancing or paying off a mortgage, any remaining escrow funds are typically refunded to the borrower within 30 days.

How HonestCasa Helps
  • Understand whether your escrow is set correctly
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Section 6

Frequently Asked Questions

Q: When are property taxes due in Delta County? A: Property taxes for FY 2025-2026 are due by January 31, 2026. Taxes become delinquent on February 1st and begin accruing penalties and interest.

Q: What homestead tax credits are available and do I need to apply? A: The primary benefit is the $100,000 school district exemption for primary residences, plus the 10% annual assessment increase cap. You must file a homestead application with the Delta County Appraisal District - it is not automatic.

Q: What other tax credits require applications? A: Senior citizen exemptions, disability exemptions, veteran exemptions, and agricultural/open space valuations all require separate applications with specific deadlines, typically by April 30th annually.

Q: How does the homestead assessment cap work? A: The homestead cap limits annual assessed value increases to 10% for your primary residence, regardless of market value increases. This caps your assessment growth, not your market value.

Q: When can I appeal my property assessment? A: You can file an appeal with the Delta County Appraisal Review Board typically between May 1st and July 25th annually. Informal reviews with the appraisal district may be available earlier.

Q: What are the penalties for late payment? A: Delinquent taxes accrue penalties of 6% for February, 7% for March, 8% for April, 9% for May, 10% for June, and 12% for July and thereafter, plus 1% monthly interest.

Q: Can I pay property taxes online? A: Yes, the Delta County Tax Assessor-Collector typically offers online payment options. Check the county website for approved payment methods and any associated convenience fees.

Q: How do special district taxes work? A: Special districts provide specific services like fire protection, water, or hospital services. The taxes appear on your bill based on your property location and the services available to you.

Q: What happens if I disagree with special district charges? A: Contact the specific special district directly, as each operates independently from the county. They have their own appeal processes and governing boards.

Q: How long does Delta County keep property tax records? A: Delta County maintains property tax records for at least three years, though older records may be available through the appraisal district or tax assessor-collector's office.

Verified Sources

Backed by 10 Official Government Sources

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

01
County
County Rates and Levies (XLSX)comptroller.texas.gov
02
Tax Doc
TEXAS SALES AND USE TAX RATES – January 2026comptroller.texas.gov
03
2025 ISD Summary Worksheet - Texas Comptrollercomptroller.texas.gov
04
Tax Doc
96-1717 Handbook of Texas Property Tax Rulescomptroller.texas.gov
05
Tax Doc
Property Tax Today - Texas Comptrollercomptroller.texas.gov
06
Tax Doc
Tax Officeelpasotexas.gov
07
denton central appraisal districtcomptroller.texas.gov
08
2025 Deduction Detail - Texas Comptrollercomptroller.texas.gov
09
County
Delta County Appraisal Districtcomptroller.texas.gov
10
agreement for limitation on appraised valueassets.comptroller.texas.gov
All sources verified as of 2025 Tax Year

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