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Updated 2025 Tax Year

Howard County
Property Tax Guide

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

10 Official Sources
8 min read
Quick Facts
Tax Rate
$0.301711 per $100 assessed value (county rate only, varies by school district and municipality)
1st Due
Jan 31
Exemptions
5+ Available
Section 1

How Property Tax Works

Howard County, Texas operates under a property tax system that funds essential local services including schools, county operations, emergency services, and infrastructure maintenance. Property taxes are the primary revenue source for local government operations and are administered by the Howard County Appraisal District and Tax Assessor-Collector's office.

The 2025 tax year brings significant changes to Howard County property taxes, with the county tax rate increasing from $0.221030 to $0.301711 per $100 of assessed value - a 36.50% increase. This rate represents the no-new-revenue rate designed to maintain current service levels. Your actual tax rate will vary depending on your location within Howard County due to additional assessments from school districts, municipal governments, and special taxing districts such as hospital districts, water districts, and emergency services districts that may apply to your specific property location.

Section 2

What Makes Up Your Tax Bill

ComponentRate per $100Description
Howard County$0.301711County operations, roads, bridges, general services
School DistrictVaries by districtLocal school funding (typically $1.00-$1.50 per $100)
City/MunicipalVaries by cityMunicipal services (where applicable)
Special DistrictsVaries by locationHospital, water, emergency services, other local districts
Voter-Approval Rate$0.333675Maximum rate without voter approval

Note: The total effective tax rate typically ranges from 1.5% to 2.5% of assessed value depending on your specific location and applicable taxing districts. School district rates are the largest component and vary significantly by district. Contact the Howard County Appraisal District for your property's complete tax rate breakdown.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Howard 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 property taxes in Howard County are additional assessments that occur when there are changes to property ownership, value, or use during the tax year. Common triggers include new construction completion, property transfers, changes from agricultural to residential use, or removal of tax exemptions.

Supplemental taxes are calculated by applying the current tax rate to the difference between the new assessed value and the previous assessed value, prorated for the remaining months in the tax year. For example, if you complete a $100,000 home addition in July and your total tax rate is 2.0%, you would owe approximately $1,000 in supplemental taxes ($100,000 × 0.02 × 6/12 months = $1,000) for the remainder of that tax year. These supplemental bills are issued separately from your annual tax statement and have their own payment due dates.

Example Calculation

Example 1: $300,000 Home Value

  • Market Value: $300,000
  • Homestead Exemption Applied: $100,000 (school district)
  • Net Taxable Value: $200,000 (school portion), $300,000 (other entities)
  • Estimated Total Tax Rate: 2.1%
  • Annual Tax: ~$4,200
  • Monthly Escrow: ~$350

Example 2: $600,000 Home Value

  • Market Value: $600,000
  • Homestead Exemption Applied: $100,000 (school district)
  • Net Taxable Value: $500,000 (school portion), $600,000 (other entities)
  • Estimated Total Tax Rate: 2.1%
  • Annual Tax: ~$11,400
  • Monthly Escrow: ~$950

Example 3: $1,000,000 Home Value

  • Market Value: $1,000,000
  • Homestead Exemption Applied: $100,000 (school district)
  • Net Taxable Value: $900,000 (school portion), $1,000,000 (other entities)
  • Estimated Total Tax Rate: 2.1%
  • Annual Tax: ~$19,800
  • Monthly Escrow: ~$1,650

Note: Homestead exemption requires application and applies only to school district taxes. Total rates vary by specific location within Howard County.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Howard County require property tax escrow accounts for borrowers with less than 20% equity. Your lender collects monthly payments equal to 1/12th of your estimated annual property tax bill, holds these funds in an escrow account, and pays your taxes directly to Howard County when due.

Property tax payments in Howard County are typically due with the first installment by October 31st and second installment by May 31st, with final payment due September 30th. Lenders usually pay taxes before the delinquency date to avoid penalties. You'll receive an annual escrow analysis statement showing the account activity and any required payment adjustments. If your taxes increase significantly (like the 36.50% increase for 2025), your lender may require a one-time escrow shortage payment or spread the shortage over 12 months. Property owners should verify that their lender has paid taxes on time by checking with the Howard County Tax Assessor-Collector's office, as you remain ultimately responsible for payment even when using escrow services.

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 Howard County property taxes due for 2025? A: Based on current information, the first installment is due October 31st, second installment by May 31st, and final payment by September 30th. Contact the Howard County Tax Assessor-Collector to confirm current year due dates.

Q: What homestead benefits are available and how do I apply? A: The primary homestead exemption provides $100,000 off your home's assessed value for school district taxes only, plus a 10% annual assessment increase cap. You must file an application with the Howard County Appraisal District by April 30th following the tax year when you establish homestead. This is NOT automatic.

Q: Are there other tax exemptions available? A: Yes, including senior citizen exemptions (65+), disability exemptions, veteran exemptions, and agricultural/timber exemptions. Each requires a separate application with specific documentation and deadlines. Contact the Howard County Appraisal District for complete details and applications.

Q: How does the 10% homestead assessment cap work? A: If you have a qualified homestead, your property's assessed value for tax purposes cannot increase more than 10% per year, even if market value rises more. This caps your assessment growth but doesn't reduce the actual market value.

Q: When will I receive my 2025 tax bill? A: Tax statements are typically mailed in late summer/early fall. The Howard County Appraisal District must provide notice of appraised values by May 1st, with final tax bills following after all taxing entities set their rates.

Q: What are the penalties for late payment? A: Texas law allows penalties and interest on delinquent property taxes. Penalties typically start at 6% for the first month late, plus additional penalties and interest charges that accrue monthly.

Q: Can I pay my property taxes online? A: Contact the Howard County Tax Assessor-Collector's office for current online payment options and any associated convenience fees.

Q: How do I appeal my property assessment? A: You can protest your property value with the Howard County Appraisal Review Board. Protests must typically be filed by May 15th (or 30 days after receiving your notice). Contact the Howard County Appraisal District for protest forms and procedures.

Q: Why did Howard County's tax rate increase 36.50% for 2025? A: The county adopted the no-new-revenue rate of $0.301711 per $100, which maintains the same revenue level as 2024 but required a higher rate due to various factors affecting the tax base. The voter-approval rate ceiling is $0.333675 per $100.

Q: Do special districts affect my tax rate? A: Yes, your total property tax includes rates from all applicable taxing entities in your location, including hospital districts, emergency services districts, water districts, and other special purpose districts. These vary significantly by location within Howard County.

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