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Updated 2025 Tax Year

Karnes County
Property Tax Guide

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

8 Official Sources
8 min read
Quick Facts
Tax Rate
2.0-2.8% combined rate (varies by jurisdiction including county, school districts, cities, and special districts)
1st Due
Jan 31
Exemptions
5+ Available
Section 1

How Property Tax Works

Property taxes in Karnes County, Texas serve as the primary funding mechanism for essential local services including public schools, county operations, emergency services, and infrastructure maintenance. The county operates under Texas Property Tax Code guidelines, with assessments conducted annually by the Karnes County Appraisal District based on market value as of January 1st each year.

Effective tax rates in Karnes County vary significantly by location due to overlapping taxing jurisdictions including the county, school districts, cities, and special districts for services like water, fire protection, and hospital districts. Property owners typically pay combined rates that can range from approximately 2.0% to 2.8% of assessed value annually. The county portion represents only one component of your total property tax bill, with school districts generally comprising the largest portion of most tax bills.

Section 2

What Makes Up Your Tax Bill

ComponentFY 2025 RateDescription
Karnes County0.205903%County operations, roads, law enforcement, courts
School Districts0.241058%Local school district operations and debt service
CitiesVariesMunicipal services (rate varies by incorporated area)
Special Districts0.284611%Hospital district, water districts, emergency services
Combined Range2.0% - 2.8%Total effective rate varies by specific location

Note: These rates apply to the 2025 tax year (FY 2025-2026). Your actual rate depends on which taxing jurisdictions serve your specific property location. The county rate of 0.205903% increased from 0.200323% in 2024. Special district rates and city rates vary significantly across different areas of the county.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Karnes 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 Karnes County are triggered when new property is added to the tax roll during the current tax year, typically due to new construction completion, property improvements, or ownership changes that reveal previously unreported improvements. For 2025, the county projects $85,349.97 in supplemental tax revenue from newly added properties.

When supplemental taxes are assessed, they are calculated on a pro-rated basis from the date the improvement was completed or discovered through the end of the tax year. For example, if a $100,000 home addition is completed on July 1st, the supplemental tax would apply to half the tax year (6 months) on that added value. The assessment is based on the same tax rates applied to existing properties, and bills are typically mailed within 30-60 days of the assessment.

Example Calculation

Example 1: $300,000 Home with Homestead

  • Market Value: $300,000
  • Homestead Exemption: $100,000 (school district only)
  • County Taxable Value: $300,000
  • School Taxable Value: $200,000
  • Annual Tax: $2,040 (County: $618, School: $482, Other: ~$940)
  • Monthly Escrow: $170

Example 2: $600,000 Home with Homestead + Senior

  • Market Value: $600,000
  • School Homestead Exemption: $100,000
  • Additional Local Exemptions: $50,000 (if applicable)
  • Estimated Annual Tax: $4,200-$4,800
  • Monthly Escrow: $350-$400

Example 3: $1,000,000 Commercial Property

  • Market Value: $1,000,000
  • No Exemptions: $1,000,000 taxable
  • Annual Tax: $20,000-$28,000 (varies by location)
  • Monthly Reserve: $1,667-$2,333

Note: Exemptions require annual application and approval. Rates vary by specific taxing districts serving each property.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Karnes County require property tax escrow accounts to ensure timely tax payments. Your lender collects monthly payments equal to 1/12th of your estimated annual tax bill, holds these funds in escrow, and pays your taxes directly to the county when due. Texas law allows split payments: half by November 30th and the remainder by June 30th of the following year.

Lenders typically analyze your escrow account annually and may adjust monthly payments based on actual tax bills and account balances. You'll receive an escrow analysis statement showing any shortage or surplus. Property owners remain responsible for verifying that payments are made correctly and on time, as the county holds the property owner ultimately liable regardless of escrow arrangements. You can verify payments through the Karnes County Tax Assessor-Collector's office or their online portal.

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 Karnes County for the current fiscal year? A: For FY 2025-2026, half is due by November 30, 2026 (extended to December 1, 2026 since November 30 falls on Sunday), and the remaining half by June 30, 2027.

Q: What homestead tax credits are available and do they apply automatically? A: The primary benefit is the $100,000 homestead exemption for school district taxes on your primary residence, plus a 10% annual assessment increase cap. You must file an application with the Karnes County Appraisal District - it is NOT automatic.

Q: How does the homestead exemption work exactly? A: The homestead exemption reduces your taxable value by $100,000 for school taxes only. The 10% cap limits how much your assessed value can increase annually, providing protection against rapid market appreciation. Both require application and approval.

Q: What other tax credits or exemptions are available? A: Additional exemptions may include senior citizen (65+), disabled person, disabled veteran, and agricultural/timber exemptions. All require separate applications with supporting documentation filed by the April 30th deadline.

Q: When do I need to apply for exemptions? A: Applications are typically due by April 30th following the tax year. For new homesteads, you have until one year after the exemption qualification date or April 30th, whichever is later.

Q: How can I appeal my property assessment? A: File a protest with the Karnes County Appraisal Review Board by May 31st or within 30 days of receiving your notice of appraised value, whichever is later. Informal reviews may be available earlier in the year.

Q: What are the penalties for late payment? A: Texas law allows a 6% penalty on July 1st and an additional 1% penalty on August 1st for taxes that remain unpaid. Interest accrues monthly at 1% on unpaid balances.

Q: Can I pay property taxes online? A: Contact the Karnes County Tax Assessor-Collector's office to verify current online payment options and accepted payment methods, as availability may vary by jurisdiction.

Q: Why did my tax bill increase when rates stayed similar? A: Tax increases typically result from higher assessed property values rather than rate increases. Even with the 10% homestead cap, your assessed value can increase annually, and new special district taxes may apply.

Q: Do special districts affect my tax rate? A: Yes, significantly. Hospital districts, water districts, fire protection districts, and other special purpose districts each add separate line items to your tax bill with their own rates, which can vary substantially across different areas of the county.

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