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Updated 2025 Tax Year

Garza County
Property Tax Guide

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

9 Official Sources
8 min read
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Quick Facts
Tax Rate
0.85%-2.0% combined rate (varies by taxing districts including county, school, municipal, and special districts)
1st Due
Jan 31
Exemptions
5+ Available
Section 1

How Property Tax Works

Garza County, Texas operates under the state's property tax system, where property taxes serve as the primary funding source for local government services, school districts, and special districts. Property owners in Garza County pay taxes to multiple entities, including the county government, school districts, cities, and various special purpose districts. The combined effective tax rate typically ranges from approximately 0.85% to over 2.0% of assessed value, depending on your specific location within the county and which taxing districts serve your property.

Property tax rates and obligations vary significantly by location within Garza County due to the presence of different municipal boundaries, school districts, and special taxing districts such as hospital districts, utility districts, or emergency services districts. Each property's total tax bill represents the sum of taxes owed to all applicable taxing entities. Property values are assessed annually by the Garza County Appraisal District, with taxes calculated based on the assessed value minus any applicable exemptions, then multiplied by the combined tax rates for your area.

Section 2

What Makes Up Your Tax Bill

ComponentRate (per $100)Description
Garza County$0.85000County general fund operations, roads, law enforcement, courts
School DistrictVaries by districtLocal school district operations and debt service
City/MunicipalVaries by cityMunicipal services (if within city limits)
Special DistrictsVaries by districtHospital districts, utility districts, emergency services

Tax rates shown are for FY 2025-2026 levy year. The Garza County rate of $0.85000 was adopted by the Commissioners Court in September 2025. School district rates, municipal rates, and special district rates vary by location within the county. Contact the Garza County Appraisal District for specific rate information based on your property's taxing districts.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Garza 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 Garza County are additional property tax assessments that occur when there are changes to a property's ownership, value, or tax status during the tax year. The most common triggers for supplemental taxes include new construction or improvements that increase a property's assessed value, changes in property ownership, or corrections to assessment errors. When supplemental taxes are levied, they are calculated based on the difference between the old and new assessed values, multiplied by the applicable tax rates, and prorated for the portion of the tax year affected.

For example, if you complete a home addition in March that increases your property's assessed value from $250,000 to $300,000, you would receive a supplemental tax bill for the $50,000 increase in value, calculated at your area's combined tax rate and prorated for approximately 9 months (April through December). The supplemental tax would be added to your regular annual property tax obligation.

Example Calculation

Example 1: $300,000 Property

  • Market Value: $300,000
  • Homestead Exemption: -$25,000 (estimated, requires application)
  • Net Taxable Value: $275,000
  • Combined Tax Rate: ~1.50% (varies by district)
  • Annual Tax: ~$4,125
  • Monthly Escrow: ~$344

Example 2: $600,000 Property

  • Market Value: $600,000
  • Homestead Exemption: -$25,000 (estimated, requires application)
  • Net Taxable Value: $575,000
  • Combined Tax Rate: ~1.50% (varies by district)
  • Annual Tax: ~$8,625
  • Monthly Escrow: ~$719

Example 3: $1,000,000 Property

  • Market Value: $1,000,000
  • Homestead Exemption: -$25,000 (estimated, requires application)
  • Net Taxable Value: $975,000
  • Combined Tax Rate: ~1.50% (varies by district)
  • Annual Tax: ~$14,625
  • Monthly Escrow: ~$1,219

Note: Actual tax rates vary significantly by location within Garza County. Homestead exemptions require application and are not automatic. Contact the Garza County Appraisal District for exact rates in your taxing districts.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Garza County require borrowers to maintain an escrow account for property taxes, particularly for loans with less than 20% down payment. Your monthly mortgage payment includes a portion that goes into this escrow account, and your lender pays your property taxes directly to the county when they become due. Lenders typically collect 1/12 of your estimated annual property tax bill each month, plus a cushion of up to two months' payments as allowed by federal law.

Property tax bills are typically mailed to both the property owner and the mortgage servicer when an escrow account exists. You should verify that your lender receives the tax bills and pays them on time, as you remain ultimately responsible for ensuring taxes are paid even when using escrow. Your lender will provide an annual escrow analysis showing the account activity and any required payment adjustments. If your property taxes increase due to rising assessments or tax rate changes, your monthly escrow payment may increase accordingly.

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 Garza County for FY 2025-2026? A: Property taxes are due in two installments: the first installment is due by April 15, and the second installment is due by September 15. No penalties apply if paid by these dates.

Q: What homestead exemption is available and how do I apply? A: Texas provides a homestead exemption that includes a 10% annual cap on assessment increases for primary residences, plus potential exemptions of up to $100,000 for school district taxes. You must file an application with the Garza County Appraisal District - exemptions are not automatic.

Q: Are there other tax credits available? A: Yes, various exemptions may be available including senior citizen exemptions, disability exemptions, and veteran exemptions. All require separate applications filed with the Garza County Appraisal District by the appropriate deadlines.

Q: How can I appeal my property assessment? A: You can protest your property value with the Garza County Appraisal Review Board. Protest deadlines typically fall in late spring/early summer. Contact the Garza County Appraisal District for specific procedures and deadlines.

Q: What happens if I pay my taxes late? A: Late payments incur penalty and interest charges as specified under Texas Property Tax Code. Penalties begin accruing after the due dates of April 15 and September 15.

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

Q: Why do I receive multiple tax bills? A: Properties may be served by multiple taxing entities (county, school district, city, special districts), and each may send separate bills or combined bills depending on local practices.

Q: How do special districts affect my tax rate? A: Special districts like hospital districts, utility districts, or emergency services districts can add additional taxes to your bill. Your total rate depends on which special districts serve your specific property location.

Verified Sources

Backed by 9 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
Property Tax Methods and Assitance Program 2025 Reportcomptroller.texas.gov
03
MINUTES OF COMMISSIONER'S COURT - September 8, 2025co.dickens.tx.us
04
Tax Doc
96-1717 Handbook of Texas Property Tax Rulescomptroller.texas.gov
05
Tax Doc
garza central tax appraisal districtcomptroller.texas.gov
06
Tax Doc
Property Tax Today - Texas Comptrollercomptroller.texas.gov
07
2025 ISD Summary Worksheet - Texas Comptrollercomptroller.texas.gov
08
Garza Central Appraisal District - Texas Comptrollercomptroller.texas.gov
09
Tax Doc
Property Tax Today - Texas Comptrollercomptroller.texas.gov
All sources verified as of 2025 Tax Year

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