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Updated 2025 Tax Year

Erath County
Property Tax Guide

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

8 Official Sources
8 min read
Quick Facts
Tax Rate
2.0% to 2.5% effective rate, varies by location within county
1st Due
Jan 31
Exemptions
4+ Available
Section 1

How Property Tax Works

Erath 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, emergency services, and infrastructure maintenance. Property taxes in Erath County are administered by the Erath County Appraisal District, which assesses property values, and collected by the county tax assessor-collector on behalf of various taxing entities.

The effective tax rate in Erath County typically ranges from 2.0% to 2.5% of assessed value, though this varies significantly based on your specific location within the county. Texas state law caps annual assessment increases at 10% for homestead properties, and homeowners can qualify for a $100,000 homestead exemption on the school district portion of their taxes. It's important to note that actual tax rates vary considerably depending on which special taxing districts serve your property, including school districts, municipal utility districts, hospital districts, and other special purpose districts.

Section 2

What Makes Up Your Tax Bill

ComponentEstimated Rate per $100Description
County General Fund$0.35-0.45Basic county services, roads, law enforcement
School District$1.20-1.40Local independent school district (varies by district)
Emergency Services District$0.08-0.12Fire and emergency medical services
Hospital District$0.15-0.25Erath County Hospital District
Municipal Utility District$0.00-0.50Water, sewer, drainage (if applicable)
Total Estimated Rate$1.78-2.72Combined rate varies by location

Note: These rates are estimates for planning purposes. The exact FY 2025-2026 tax rates will be set by each taxing entity during their budget processes in summer 2025. Your actual rate depends on which combination of taxing districts serve your specific property location within Erath County.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Erath 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 Erath County are issued when there are changes to property ownership, value, or exemption status that occur after the annual tax roll is certified but before the end of the tax year (December 31). Common triggers include new construction completion, change of property ownership, removal or addition of exemptions, or correction of appraisal errors discovered mid-year.

Supplemental taxes are calculated by determining the difference between the original assessed value and the new assessed value, then applying the current year's tax rate to that difference. The supplemental bill covers the period from when the change became effective through the end of the current tax year. For example, if new construction worth $50,000 is completed and assessed in June, and your total tax rate is 2.2%, you would owe a supplemental bill of approximately $550 ($50,000 × 0.022 × 6/12 months remaining in the tax year).

Example Calculation

Example 1: $300,000 Home with Homestead Exemption

  • Market Value: $300,000
  • Less School Homestead Exemption: $100,000
  • Net Taxable Value: $200,000
  • Tax Rate (estimated): 2.20%
  • Annual Tax: $4,400
  • Monthly (if escrowed): $367

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

  • Market Value: $600,000
  • Less School Homestead Exemption: $100,000
  • Less Over-65 School Exemption: $10,000
  • Less Over-65 County Exemption: $3,000
  • Net Taxable Value: $487,000
  • Tax Rate (estimated): 2.20%
  • Annual Tax: $10,714
  • Monthly (if escrowed): $893

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

  • Market Value: $1,000,000
  • Less School Homestead Exemption: $100,000
  • Net Taxable Value: $900,000
  • Tax Rate (estimated): 2.20%
  • Annual Tax: $19,800
  • Monthly (if escrowed): $1,650

Note: All exemptions require application and approval. Additional exemptions may be available for veterans, disabled persons, and other qualifying circumstances.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Erath County require borrowers to maintain an escrow account for property tax payments, particularly for loans with less than 20% down payment. Your lender will collect monthly payments equal to approximately 1/12th of your estimated annual property tax bill and hold these funds in a separate escrow account. Property taxes in Texas are due January 31st of each year, and your lender will make the payment directly to the Erath County Tax Office on your behalf.

Lenders are required to provide an annual escrow analysis statement 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 will be adjusted accordingly. You can verify your tax amount and payment status through the Erath County Tax Office website or by contacting them directly. If you pay your own taxes (no escrow), remember that Texas offers a small discount for early payment, but charges penalties and interest for late payments after January 31st.

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 Erath County for the FY 2024-2025 tax year? A: Property taxes are due January 31, 2025. Payments received after this date are subject to penalty and interest charges.

Q: What homestead exemptions are available and do I need to apply? A: The primary homestead exemption is $100,000 off your home's value for school district taxes only. Yes, you must apply with the Erath County Appraisal District. Additional exemptions are available for residents over 65, disabled veterans, and disabled persons, but all require separate applications.

Q: How does the homestead exemption cap work? A: Texas law limits annual assessment increases to 10% for homestead properties. This means if your home's value increases more than 10% in one year, your assessed value for tax purposes can only increase by 10%. This is automatic once you have an approved homestead exemption on file.

Q: When will I receive my 2025 property tax bill? A: Tax bills are typically mailed in October or November 2025 for taxes due January 31, 2026. If you don't receive your bill, you're still responsible for payment by the due date.

Q: Can I pay my property taxes online? A: Yes, Erath County offers online payment options through their official website. Credit card and electronic check payments are typically accepted, though convenience fees may apply.

Q: What happens if I pay late? A: Taxes paid after January 31st incur penalty and interest charges. The penalty is 6% for February, 7% for March, 8% for April, 9% for May, 10% for June, and 12% for July and beyond, plus 1% interest per month.

Q: How do I appeal my property assessment? A: You can protest your property value with the Erath County Appraisal Review Board. Protest forms must typically be filed by May 31st (or within 30 days of receiving your notice of appraised value, whichever is later).

Q: Why do properties in the same area have different tax rates? A: Tax rates vary based on which special districts serve your property. Two neighboring homes might be in different school districts, emergency service districts, or municipal utility districts, resulting in different combined tax rates.

Q: Are there property tax exemptions for veterans? A: Yes, qualifying veterans and their surviving spouses may be eligible for various exemptions, including disabled veteran exemptions and surviving spouse exemptions. Applications must be filed with the Erath County Appraisal District with required documentation.

Q: What if I disagree with a supplemental tax bill? A: You can protest supplemental assessments just like regular assessments. Contact the Erath County Appraisal District to understand the reason for the supplemental bill and your appeal options.

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