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Updated 2025 Tax Year

Hardeman County
Property Tax Guide

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

10 Official Sources
8 min read
Quick Facts
Tax Rate
1.5% to 2.2% effective rate (varies by location and taxing jurisdictions within county)
1st Due
Jan 31
Exemptions
5+ Available
Section 1

How Property Tax Works

Hardeman County, Texas operates under the state's property tax system, where property taxes serve as the primary funding source for local government services, public schools, infrastructure, and community programs. Property owners in Hardeman County pay taxes to multiple entities including the county, school districts, cities, and various special districts, with the combined effective tax rate typically ranging from 1.5% to 2.2% of assessed value depending on your specific location within the county.

The county follows Texas Property Tax Code guidelines, with property assessments conducted annually by the Hardeman County Appraisal District. Your actual tax rate will vary based on which taxing jurisdictions serve your property location, as the county contains multiple school districts, municipal boundaries, and special districts that each levy their own rates. For 2025, Hardeman County adopted a base county rate of $0.6888 per $100 of assessed valuation, though this represents only one component of your total property tax bill.

Section 2

What Makes Up Your Tax Bill

ComponentRate per $100DescriptionLevy Year
Hardeman County$0.6888Base county operations and servicesFY 2025
School DistrictVaries by districtLocal school funding (rates vary by specific school district)FY 2025
City/MunicipalVaries by cityMunicipal services (only applies within city limits)FY 2025
Hospital DistrictVariesHealthcare district services (if applicable)FY 2025
Special DistrictsVariesWater, emergency services, or other special districtsFY 2025

Note: The combined rate varies significantly by location within Hardeman County. Properties may be subject to different combinations of these taxing entities depending on their specific address. Contact the Hardeman County Appraisal District at (940) 663-5221 for your property's specific rate calculation.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Hardeman 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 Hardeman County are additional property tax bills issued when there are changes to property ownership, value, or usage that occur after the regular assessment date but during the current tax year. Common triggers include new construction completion, property transfers, or significant improvements that weren't captured in the annual assessment.

When a supplemental tax is issued, it's calculated by taking the difference between the new assessed value and the previous assessed value, multiplied by the applicable tax rate, then prorated for the remaining months in the tax year. For example, if you complete a $50,000 home addition in July and your total tax rate is 2.0%, you would owe a supplemental tax of approximately $500 ($50,000 × 0.02 × 6/12 months remaining in the tax year). Supplemental tax bills are mailed separately from regular tax bills and have their own payment deadlines.

Example Calculation

Example 1: $300,000 Home with Homestead Exemption

  • Market Value: $300,000
  • School District Homestead Exemption: -$100,000
  • Taxable Value: $200,000
  • Estimated Combined Rate: 1.8%
  • Annual Tax: $3,600
  • Monthly (if escrowed): $300

Example 2: $600,000 Home with Homestead Exemption

  • Market Value: $600,000
  • School District Homestead Exemption: -$100,000
  • Taxable Value: $500,000
  • Estimated Combined Rate: 1.8%
  • Annual Tax: $9,000
  • Monthly (if escrowed): $750

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

  • Market Value: $1,000,000
  • School District Homestead Exemption: -$100,000
  • Taxable Value: $900,000
  • Estimated Combined Rate: 1.8%
  • Annual Tax: $16,200
  • Monthly (if escrowed): $1,350

Note: Homestead exemptions require application and are not automatic. Additional exemptions may be available for seniors, disabled veterans, or other qualifying circumstances.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Hardeman County require property tax escrow accounts, where you pay 1/12 of your estimated annual property tax bill with each monthly mortgage payment. Your lender collects these funds and pays your property taxes directly to the Hardeman County Tax Assessor-Collector when they become due. The Tax Assessor-Collector, Jan Evans, can be reached at (940) 663-5221 for escrow-related inquiries.

Texas law requires property taxes to be paid by January 31st annually, though some taxing entities may offer split payment options. Your lender will typically pay the full amount by the January deadline to avoid penalties. If your actual tax bill differs significantly from the escrowed amount, your lender will adjust your monthly escrow payment accordingly and may require you to make up any shortage over 12 months or provide a refund if there's an overage.

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 Hardeman County for 2025? A: Property taxes are due January 31, 2025. Some research indicates split payment options on April 1 and October 1 may be available - contact Tax Assessor-Collector Jan Evans at (940) 663-5221 to confirm current payment schedules.

Q: What homestead exemptions are available and do they apply automatically? A: The primary homestead exemption is a $100,000 school district exemption for your primary residence. This exemption requires a formal application and is NOT automatic. You must file with the Hardeman County Appraisal District, typically by April 30th of the first year you want the exemption.

Q: How does the 10% homestead cap work? A: For homestead properties, Texas law limits annual assessed value increases to 10% regardless of market value changes. This cap applies automatically once you have an approved homestead exemption and helps protect against dramatic tax increases due to rising property values.

Q: What other exemptions require applications? A: Senior citizens (65+), disabled persons, disabled veterans, and surviving spouses may qualify for additional exemptions or tax freezes. All require separate applications with supporting documentation and have specific deadlines, typically April 30th annually.

Q: How do I appeal my property assessment? A: File a protest with the Hardeman County Appraisal Review Board by May 15th (or within 30 days of receiving your notice). Contact the Appraisal District at (940) 663-5221 for protest forms and procedures.

Q: What are the penalties for late payment? A: Texas law imposes penalties and interest on late property tax payments, starting February 1st. Penalties typically begin at 6% and increase monthly, plus interest charges.

Q: Can I pay property taxes online? A: Contact the Hardeman County Tax Assessor-Collector at (940) 663-5221 to inquire about online payment options and accepted payment methods.

Q: Why do tax rates vary within Hardeman County? A: Different areas of the county fall within different school districts, city limits, and special districts (hospital, emergency services, etc.), each with their own tax rates. Your total rate depends on which combination of taxing entities serve your specific property location.

Q: When are property values reassessed? A: Texas requires annual assessments, with the Hardeman County Appraisal District reviewing property values each year as of January 1st for the following tax year.

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