HonestCasa logoHonestCasa
Updated 2025 Tax Year

Ellis County
Property Tax Guide

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

10 Official Sources
8 min read
Quick Facts
Tax Rate
0.273992% county base rate, varies by district overlay (typically 1.8-2.5% total effective rate)
1st Due
Jan 31
Exemptions
5+ Available
Section 1

How Property Tax Works

Ellis 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 Ellis County fund essential services such as public education, law enforcement, emergency services, road maintenance, and local infrastructure projects. The county follows Texas Property Tax Code guidelines, with properties assessed annually based on market value as of January 1st.

The effective tax rate in Ellis County varies significantly by location within the county due to the overlay of multiple taxing jurisdictions. While the county's base rate is 0.273992% for FY 2025, residents also pay taxes to school districts, municipalities, and special districts that can bring the total effective rate to approximately 2.0-2.8% depending on your specific location. Urban areas with more special districts typically have higher combined rates than rural areas. Property owners should verify their specific tax rate combination by checking which taxing entities serve their particular address.

Section 2

What Makes Up Your Tax Bill

ComponentRate (FY 2025)Description
Ellis County Base0.273992%County operations, roads, law enforcement
- Maintenance & Operations0.246737%General county services and operations
- Interest & Sinking0.009041%County debt service payments
- Farm-to-Market Roads0.018214%Rural road maintenance and construction
School Districts~1.0-1.3%Varies by district (Midlothian, Waxahachie, etc.)
Municipal Taxes0.3-0.8%City services (if within city limits)
Special Districts0.1-0.5%Hospital, water, emergency services districts

Total Effective Rate Range: 2.0-2.8% (varies by specific location and taxing districts)

Note: School district rates vary significantly across Ellis County. Municipal taxes only apply to properties within incorporated city limits. Special district taxes depend on which additional services (hospital districts, emergency services districts, water districts, etc.) serve your specific location within the county.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Ellis 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 Ellis County are additional property tax assessments that occur when there are mid-year changes to property ownership or improvements. The most common triggers include purchasing a home, completing new construction, adding significant improvements like pools or room additions, or changing the property's use classification. These supplemental taxes are calculated based on the difference between the old assessed value and the new assessed value, prorated for the remaining months in the tax year.

For example, if you purchase a home in Ellis County in July that was previously assessed at $200,000 but now has a market value of $350,000, you would receive a supplemental tax bill. The calculation would take the difference ($150,000) and apply the local tax rate (approximately 2.5% combined rate = $3,750 annually) for the remaining 6 months of the tax year, resulting in a supplemental bill of approximately $1,875. This supplemental amount would be due within 30 days of the notice, separate from the regular January 31st tax bill.

Example Calculation

Example 1: $300,000 Home

  • Market Value: $300,000
  • Homestead Exemption Applied: $100,000 (school district) + $25,000 (additional state minimum)
  • Net Taxable Value: $175,000
  • Combined Tax Rate: 2.4% (estimated)
  • Annual Tax: $4,200
  • Monthly Escrow: $350

Example 2: $600,000 Home

  • Market Value: $600,000
  • Homestead Exemption Applied: $100,000 (school district) + $25,000 (additional state minimum)
  • Net Taxable Value: $475,000
  • Combined Tax Rate: 2.4% (estimated)
  • Annual Tax: $11,400
  • Monthly Escrow: $950

Example 3: $1,000,000 Home

  • Market Value: $1,000,000
  • Homestead Exemption Applied: $100,000 (school district) + $25,000 (additional state minimum)
  • Net Taxable Value: $875,000
  • Combined Tax Rate: 2.4% (estimated)
  • Annual Tax: $21,000
  • Monthly Escrow: $1,750

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

See How Taxes Affect Your Payment

Property taxes are just part of your total monthly cost. Get the full picture.

Calculate Now
Section 5

Escrow & Property Taxes

Most mortgage lenders in Ellis County require property tax escrow accounts for borrowers with less than 20% down payment, though some lenders may require escrow regardless of down payment amount. Your lender will estimate your annual property tax obligation and divide it by 12 to determine your monthly escrow payment. This amount is collected along with your mortgage payment and held in a separate account until tax payments are due on January 31st each year.

Lenders typically maintain a cushion in your escrow account to cover potential tax increases and ensure sufficient funds are available when payments are due. Each year, your lender will conduct an escrow analysis to compare actual tax payments with collected escrow funds, resulting in either a refund if you overpaid or an increase in monthly payments if you underpaid. Property owners should verify that their lender has accurate tax information and is paying all required taxing entities correctly, as errors can result in delinquency notices even when you believe taxes are being paid through escrow.

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 Ellis County property taxes due for FY 2025? A: Property taxes are due January 31, 2025. There is no split payment option - the full amount must be paid by the deadline to avoid penalties and interest charges.

Q: What homestead exemptions are available and how do I apply? A: Texas homestead exemptions include a $100,000 school district exemption for primary residences, plus an additional $25,000 state-mandated exemption. These reduce your taxable assessed value, not your tax rate. You must apply with the Ellis County Appraisal District by April 30th following the year you establish residency. Applications are not automatic and must be renewed if you move.

Q: Does the homestead exemption cap my assessment increases? A: Yes, Texas law limits annual assessment increases to 10% for homestead properties, regardless of actual market value increases. This assessment cap is separate from exemption amounts and helps provide tax stability for primary residences.

Q: What other exemptions require application? A: Senior citizens (65+), disabled persons, disabled veterans, and surviving spouses may qualify for additional exemptions or freezes. All require separate applications with supporting documentation filed by April 30th deadline with the Ellis County Appraisal District.

Q: How do I pay my property taxes online? A: Visit the Ellis County Tax Assessor-Collector website to pay online using bank transfer or credit card. Note that credit card payments may include processing fees of 2-3% of the tax amount.

Q: What are the penalties for late payment? A: Properties become delinquent February 1st if unpaid. Penalties include 6% in February, 7% in March, 8% in April, and 12% in May and thereafter, plus 1% monthly interest on the total amount due.

Q: How do I appeal my property assessment? A: File a protest with the Ellis County Appraisal Review Board by May 31st (or within 30 days of receiving your notice, whichever is later). Protests can be filed online, by mail, or in person with supporting documentation of your property's market value.

Q: Why do I pay different rates than my neighbor? A: Tax rates vary based on which taxing entities serve your location. Different school districts, cities, and special districts (hospital, emergency services, water) create different combined tax rates even within Ellis County. Your specific rate depends on your exact address and which services are provided to that location.

See the Full Picture of Your Home Costs

Property taxes are just one piece of homeownership. HonestCasa helps you understand your total monthly cost and explore safe ways to access your home equity.

Total Monthly Cost

Mortgage + taxes + insurance + HOA

Equity Growth

Track how your equity grows over time

Safe Equity Access

Options for projects or debt payoff

Free • No credit check • 2-minute estimate