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Updated 2025 Tax Year

Hopkins County
Property Tax Guide

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

10 Official Sources
8 min read
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Quick Facts
Tax Rate
2.0%-2.8% of assessed value (varies by taxing districts in your area)
1st Due
Jan 31
Exemptions
5+ Available
Section 1

How Property Tax Works

Hopkins 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, emergency services, and infrastructure maintenance. The county's property tax system includes multiple taxing entities that each levy their own rates, including the county government, school districts, cities, and various special districts for services like water, fire protection, and hospital districts.

Property owners in Hopkins County can expect effective tax rates that typically range from approximately 2.0% to 2.8% of assessed value, depending on their specific location within the county and which special taxing districts serve their property. The actual rate varies significantly by geographic area due to the combination of different municipal boundaries, school district zones, and special district coverage areas. All property is assessed at 100% of market value as determined by the Hopkins County Appraisal District, with annual reassessments conducted to reflect current market conditions.

Section 2

What Makes Up Your Tax Bill

ComponentRate (per $100)Description
Hopkins County$0.400220County government operations, road maintenance, law enforcement, courts
School DistrictsVaries by districtLocal school district operations and debt service (rates vary by specific district)
CitiesVaries by municipalityMunicipal services for incorporated areas only
Emergency Services DistrictsVaries by districtFire protection and emergency medical services
Hospital DistrictsVaries by districtLocal hospital and healthcare facility funding
Water/Utility DistrictsVaries by districtWater, sewer, and utility infrastructure

Rates shown are for FY 2025-2026 levy year. The Hopkins County base rate of $0.400220 per $100 of assessed value applies county-wide, while additional rates depend on specific taxing districts serving each property location. Property owners receive a single consolidated tax bill that includes all applicable taxing entities for their specific address.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Hopkins 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 assessments in Hopkins County are triggered by specific events that change a property's assessed value during the tax year, most commonly new construction, completion of major improvements, or change of ownership that removes previous exemptions. When these events occur, the Hopkins County Appraisal District calculates the difference between the old and new assessed values and applies the current tax rate to determine the supplemental tax amount.

For example, if a homeowner completes a $50,000 addition to their home in June, and the combined tax rate for their area is 2.5%, they would owe a supplemental tax of approximately $1,250 ($50,000 × 0.025) prorated for the remaining months of the tax year. This supplemental bill would be issued separately from the regular annual tax bill and would have its own due date, typically 30 days from the assessment date.

Example Calculation

Example 1: $300,000 Home with Homestead Exemption

  • Market Value: $300,000
  • School District Homestead Exemption: -$100,000
  • Net Taxable Value: $200,000
  • Combined Tax Rate: 2.4% (example rate including all districts)
  • Annual Property Tax: $4,800
  • Monthly Escrow: $400

Example 2: $600,000 Home with Homestead Exemption

  • Market Value: $600,000
  • School District Homestead Exemption: -$100,000
  • Net Taxable Value: $500,000
  • Combined Tax Rate: 2.4%
  • Annual Property Tax: $12,000
  • Monthly Escrow: $1,000

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

  • Market Value: $1,000,000
  • School District Homestead Exemption: -$100,000
  • Net Taxable Value: $900,000
  • Combined Tax Rate: 2.4%
  • Annual Property Tax: $21,600
  • Monthly Escrow: $1,800

Note: Homestead exemption requires application to the Hopkins County Appraisal District and only applies to primary residences. Actual rates vary by location within the county based on applicable taxing districts.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Hopkins County require property tax escrow accounts for homeowners with loans exceeding 80% loan-to-value ratio. The lender collects monthly payments equal to the annual property tax bill divided by 12, plus an additional cushion typically equal to two months of payments as required by federal regulations. These funds are held in a separate escrow account and used to pay property taxes when they become due on January 31st each year.

Lenders are required to conduct annual escrow analyses and provide detailed statements showing all deposits, payments, and account balances. If the analysis reveals a shortage due to increased tax assessments, the lender will offer options to either pay the shortage in full or spread it over 12 months with increased monthly payments. Property owners can request to remove escrow requirements once their loan balance drops below 80% of the home's value, though they must then take responsibility for making direct tax payments to Hopkins County by the January 31st deadline to avoid delinquency and potential foreclosure proceedings.

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 Hopkins County for FY 2025-2026? A: Property taxes are due by January 31, 2025. Taxes become delinquent on February 1st, and penalty and interest charges begin accruing immediately.

Q: What homestead exemptions are available and do they apply automatically? A: The primary exemption is the $100,000 school district homestead exemption for primary residences. This exemption is NOT automatic and requires filing an application with the Hopkins County Appraisal District by April 30th of the tax year. Additional exemptions may be available for seniors, disabled veterans, and disabled persons.

Q: How does the homestead exemption cap work? A: Texas homestead properties are subject to a 10% annual cap on appraised value increases for tax purposes. This cap limits assessment growth but does not reduce market value. You must file for homestead exemption to receive this protection, and it only applies to the portion of value used for tax calculations.

Q: When can I appeal my property assessment? A: Property owners can protest their appraised values with the Hopkins County Appraisal Review Board. Protest deadlines are typically May 15th or within 30 days of receiving your notice of appraised value, whichever is later.

Q: What are the penalties for late payment? A: Delinquent taxes incur penalty and interest charges starting February 1st. Penalties include 6% the first month, 12% the second month, and 18% the third month, plus additional attorney fees and collection costs if legal action becomes necessary.

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

Q: How do special district taxes affect my bill? A: Your property location determines which special districts serve your area, such as emergency services districts, hospital districts, or utility districts. Each district adds its own tax rate to your consolidated bill, which is why rates vary significantly across different areas of Hopkins County.

Q: What exemptions are available for senior citizens or veterans? A: Persons 65 and older may qualify for additional homestead exemptions and tax ceiling provisions. Disabled veterans may qualify for exemptions based on their disability rating. All exemptions require separate applications to the Hopkins County Appraisal District and must be renewed periodically.

Verified Sources

Backed by 10 Official Government Sources

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

01
budget - 2024-2025newtools.cira.state.tx.us
02
County
Hopkins County, Texas - Court Minuteshopkins.easydocs.us
03
County
County Rates and Levies (XLSX)comptroller.texas.gov
04
Tax Doc
Property Tax Today - Texas Comptrollercomptroller.texas.gov
05
Tax Doc
Paying Your Taxes - Texas Comptrollercomptroller.texas.gov
06
Tax Doc
April 15 is Deadline for Filing Property Tax Renditionscomptroller.texas.gov
07
Residence Homestead Exemption Affidavits - Texas Comptrollercomptroller.texas.gov
08
or-a FPtrt tfklrf /0 Lt, - Signature of Owner/Applicant - -Final _NOhopkins.easydocs.us
09
Application for Residence Homestead Exemptioncomptroller.texas.gov
10
Tax Doc
96-1717 Handbook of Texas Property Tax Rulescomptroller.texas.gov
All sources verified as of 2025 Tax Year

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