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Updated 2025 Tax Year

Guadalupe County
Property Tax Guide

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

8 Official Sources
8 min read
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Quick Facts
Tax Rate
2.5-3.2% combined effective rate (varies by taxing districts in your area)
1st Due
Jan 31
Exemptions
5+ Available
Section 1

How Property Tax Works

Guadalupe County, Texas operates under the state's property tax system, where property taxes are the primary funding source for local services including schools, county operations, municipal services, and various special districts. Property owners in Guadalupe County pay taxes to multiple taxing entities based on their property's location, with the combined effective tax rate typically ranging from 2.5% to 3.2% of assessed value depending on the specific taxing districts that serve each property.

The county follows Texas Property Tax Code requirements, with property assessments conducted annually by the Guadalupe County Appraisal District. Actual tax rates vary significantly by location within the county due to different combinations of school districts, municipalities, and special districts (such as emergency services districts, municipal utility districts, or hospital districts) that may apply to each property. Property owners should verify their specific taxing entities to determine their exact tax liability.

Section 2

What Makes Up Your Tax Bill

The following represents the FY 2025 tax rate structure for Guadalupe County properties:

ComponentRate (per $100 valuation)Description
County$0.2784General county operations and services
School DistrictVaries by districtMaintenance & operations plus debt service
City/MunicipalVaries by cityMunicipal services (if within city limits)
Special District 1VariesEmergency services, utility, or other special districts
Special District 2-6VariesAdditional special districts as applicable

Note: The county rate of $0.2784 applies countywide, but school district rates vary by district (such as Seguin ISD, Schertz-Cibolo-Universal City ISD, or other districts serving county areas). Municipal rates apply only within city limits. Special district rates depend on your property's specific location and can include multiple overlapping districts. Total combined rates typically range from $2.50 to $3.20 per $100 of assessed value.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Guadalupe 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 Guadalupe County are additional tax bills issued when property undergoes significant changes during the tax year. Common triggers include ownership transfers to new buyers, completion of new construction or major improvements, changes in exemption status, or corrections to assessment errors discovered after the original tax bill was issued.

Supplemental taxes are calculated based on the difference between the old and new assessed values, prorated for the portion of the tax year affected by the change. For example, if a $50,000 home addition is completed and assessed on July 1st (halfway through the tax year), the supplemental tax would be calculated on that $50,000 increase for 6 months of the tax year. With a combined tax rate of 3.0%, this would result in a supplemental bill of approximately $750 ($50,000 × 0.03 × 0.5 years), due within 30 days of issuance.

Example Calculation

Example 1: $300,000 Home with Homestead Exemption

  • Market Value: $300,000
  • School Homestead Exemption: -$100,000 (for school taxes only)
  • Taxable Value (School): $200,000
  • Taxable Value (Other): $300,000
  • Estimated Annual Tax: $7,800
  • Monthly Escrow: $650

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

  • Market Value: $600,000
  • School Homestead Exemption: -$100,000 (school taxes)
  • Additional Over-65 Exemptions: Varies by district
  • Estimated Taxable Value: $450,000-$500,000
  • Estimated Annual Tax: $13,500-$15,000
  • Monthly Escrow: $1,125-$1,250

Example 3: $1,000,000 Property (No Exemptions)

  • Market Value: $1,000,000
  • Taxable Value: $1,000,000
  • Estimated Annual Tax: $30,000-$32,000
  • Monthly Escrow: $2,500-$2,667

Note: All exemptions require annual application. Tax calculations assume combined rates of 2.6%-3.2% depending on location and applicable districts.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Guadalupe County require property tax escrow accounts for financed properties. Your lender collects monthly escrow payments equal to approximately 1/12 of your annual property tax bill, holds these funds in a dedicated account, and pays your property taxes directly to the county when due. Texas allows property taxes to be paid in installments, but lenders typically make single annual payments.

Lenders must provide annual escrow analysis statements showing the account balance, payments made, and any adjustments needed for the upcoming year. If your property taxes increase due to assessment changes or rate increases, your monthly escrow payment may increase accordingly. Property owners should review their escrow statements carefully and may request to pay taxes directly if they meet their lender's requirements and prefer not to use escrow services.

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  • See how rising taxes will change your monthly payment
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Section 6

Frequently Asked Questions

Q: When are property taxes due in Guadalupe County for FY 2025? A: Property taxes become due October 1st and are delinquent after January 31st of the following year. You can pay in full by January 31st, or make quarterly split payments due November 30th, January 31st, March 31st, and May 31st if you choose the split payment option before the first due date.

Q: What is the homestead exemption and do I automatically receive it? A: The homestead exemption provides a $100,000 reduction in assessed value for school district taxes only and caps annual assessment increases at 10% for your primary residence. This exemption is NOT automatic - you must file an application with the Guadalupe County Appraisal District by April 30th of the first year you want the exemption.

Q: What other tax credits or exemptions are available? A: Available exemptions include Over-65 ($10,000+ reduction for seniors), disabled person exemptions, disabled veteran exemptions (ranging from $5,000 to $12,000 based on disability rating), and various other categories. ALL exemptions require separate applications filed by April 30th annually until granted, then they typically renew automatically if you continue to qualify.

Q: How do I appeal my property assessment? A: You can protest your property value with the Guadalupe County Appraisal Review Board. File your protest by May 15th (or within 30 days of receiving your notice, whichever is later). Protests can be filed online, by mail, or in person with the appraisal district.

Q: What are the penalties for late property tax payments? A: Penalty and interest charges begin February 1st at 6% annually if taxes remain unpaid. Additional penalties of 1% per month accrue, and attorney fees may be added. After June 30th, properties may be subject to tax lien foreclosure proceedings.

Q: Can I pay my property taxes online? A: Yes, Guadalupe County accepts online payments through their official website. Payment options typically include credit cards, debit cards, and electronic bank transfers. Some payment methods may include convenience fees charged by third-party processors.

Q: Why do I receive multiple tax bills? A: Properties in some areas may receive separate bills from different taxing entities (county, school district, city, special districts) depending on your location. Some entities issue consolidated bills while others bill separately. Contact the Guadalupe County Tax Office to confirm your specific billing arrangement.

Q: What special districts might affect my property taxes? A: Common special districts in Guadalupe County include Emergency Services Districts, Municipal Utility Districts, Hospital Districts, and various community development districts. Your specific property may be served by multiple special districts depending on your location within the county, each with separate tax rates and services provided.

Verified Sources

Backed by 8 Official Government Sources

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

01
Tax Doc
tax estimatorproperty.guadalupetx.gov
02
Tax Doc
TEXAS SALES AND USE TAX RATES – January 2026comptroller.texas.gov
03
Tax Doc
96-1717 Handbook of Texas Property Tax Rulescomptroller.texas.gov
04
Tax Doc
Property Tax Law Deadlines - Texas Comptrollercomptroller.texas.gov
05
County
Tax Assessor-Collector | Guadalupe County, Texasguadalupetx.gov
06
Tax Doc
Property Tax Methods and Assitance Program 2025 Reportcomptroller.texas.gov
07
METHODS AND ASSISTANCE PROGRAM 2017 REPORTcomptroller.texas.gov
08
Resolutionguadalupetx.gov
All sources verified as of 2025 Tax Year

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