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Updated 2025 Tax Year

Kendall County
Property Tax Guide

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

9 Official Sources
8 min read
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Quick Facts
Tax Rate
2.5-3.0% combined rate (varies by taxing districts serving property)
1st Due
Jan 31
Exemptions
5+ Available
Section 1

How Property Tax Works

Kendall County, Texas operates under the state's property tax system, which serves as the primary funding mechanism for local government services including schools, county operations, emergency services, and infrastructure maintenance. Property owners in Kendall County face a combined tax rate that varies by location within the county, typically ranging from approximately 2.5% to 3.0% of assessed value, depending on the specific combination of taxing districts that serve their property.

The county's property tax system includes multiple overlapping jurisdictions: Kendall County itself, school districts, municipalities, and various special districts such as emergency services districts, water districts, and hospital districts. Each property's total tax bill reflects the sum of all applicable district rates. Property assessments are conducted annually by the Kendall Central Appraisal District, with values generally reflecting market conditions as of January 1st of each tax year. Texas law provides a 10% annual cap on assessed value increases for homestead properties, helping provide predictability for primary residence owners.

Section 2

What Makes Up Your Tax Bill

The following rates apply to the FY 2025 tax year in Kendall County:

ComponentRate (per $100)Description
Kendall County$0.377000County operations, roads, law enforcement, courts
School District$0.950000-$1.100000Varies by district (Boerne ISD, Comfort ISD, etc.)
Emergency Services$0.050000-$0.100000Fire protection and emergency medical services
Hospital District$0.047500Kendall County Hospital District
City (if applicable)$0.200000-$0.450000Municipal services (varies by city)
Water/Utility Districts$0.050000-$0.200000Water, sewer, utility services (if applicable)

Total Combined Rate Range: $1.674500-$2.274500 per $100 of assessed value

Note: Actual rates vary significantly by property location within Kendall County based on which special taxing districts serve the property. School district rates represent the largest component and vary by district boundaries.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Kendall 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 Texas occur when there are mid-year changes to property that affect its assessed value. Common triggers include new construction completion, major improvements, ownership transfers that remove agricultural exemptions, or corrections to previous assessments. The supplemental tax represents the difference between the original tax assessment and the revised assessment, prorated for the portion of the tax year remaining.

For example, if a homeowner completes a $100,000 addition in June and their total tax rate is 2.5%, they would owe approximately $1,250 ($100,000 × 0.025) prorated for 7 months (June-December), resulting in a supplemental bill of about $729. Supplemental taxes are typically billed separately from the annual tax bill and have their own due dates, usually 30 days from the date of assessment.

Example Calculation

Example 1: $300,000 Home with Homestead

  • Market Value: $300,000
  • Less: Homestead Exemption: $100,000 (school district only)
  • School District Taxable Value: $200,000
  • Other Districts Taxable Value: $300,000
  • Tax Calculation: ($200,000 × $1.05/$100) + ($300,000 × $0.75/$100) = $2,100 + $2,250 = $4,350
  • Monthly Escrow: $363

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

  • Market Value: $600,000
  • Less: Homestead Exemption: $100,000 (school)
  • Less: Over-65 Exemption: $10,000 (county, varies by district)
  • School Taxable Value: $500,000
  • Other Districts Taxable Value: $590,000
  • Tax Calculation: ($500,000 × $1.05/$100) + ($590,000 × $0.70/$100) = $5,250 + $4,130 = $9,380
  • Monthly Escrow: $782

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

  • Market Value: $1,000,000
  • Less: Homestead Exemption: $100,000 (school district only)
  • School District Taxable Value: $900,000
  • Other Districts Taxable Value: $1,000,000
  • Tax Calculation: ($900,000 × $1.05/$100) + ($1,000,000 × $0.75/$100) = $9,450 + $7,500 = $16,950
  • Monthly Escrow: $1,413

Note: All exemptions require annual application and approval. Tax rates are estimates and vary by specific district combination.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Kendall County require property tax escrow accounts for loans with less than 20% down payment. Lenders collect monthly escrow payments equal to 1/12th of the annual tax bill plus a cushion (typically 2 months). Property taxes in Texas are due January 31st annually, though many taxing districts offer split payment options with deadlines around September 30th and January 31st.

Lenders receive tax bills directly from the various taxing districts and pay them on behalf of homeowners. Annual escrow analysis statements reconcile collected amounts with actual tax bills, resulting in either refunds to borrowers or increased monthly payments for the following year. Homeowners should verify their lender has current mailing addresses with all applicable taxing districts to ensure timely bill delivery. The Kendall Central Appraisal District and individual taxing entities maintain online portals where property owners can verify tax obligations and payment status.

How HonestCasa Helps
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Section 6

Frequently Asked Questions

Q: When are property taxes due in Kendall County for FY 2025? A: Most taxing districts offer split payment options with first installments due by September 30, 2024, and final payments due by January 31, 2025. Single annual payments are due January 31, 2025.

Q: What homestead exemptions are available and do they automatically apply? A: The primary homestead exemption provides $100,000 off assessed value for school district taxes only. Additional exemptions may be available for disabled veterans, over-65 homeowners, and disabled persons. None are automatic - all require annual application to the Kendall Central Appraisal District by April 30th.

Q: How does the homestead exemption affect my taxes over time? A: Beyond the dollar exemption, homestead designation caps annual assessed value increases at 10%, regardless of market value changes. This provides long-term tax stability but requires maintaining the property as your primary residence.

Q: Can I appeal my property assessment? A: Yes, property owners may protest assessments through the Kendall Central Appraisal District. Informal protests are due by May 15th or within 30 days of receiving your notice. Formal appeals to the Appraisal Review Board are available if informal protests are unsuccessful.

Q: What penalties apply for late tax payments? A: Penalties start at 6% for February payments, increasing by 1% monthly to a maximum of 18%. Interest accrues at 1% monthly. Additional attorney and collection fees may apply for severely delinquent accounts.

Q: How do I pay property taxes online? A: Most Kendall County taxing districts accept online payments through their individual websites or through the Kendall Central Appraisal District portal. Credit cards typically incur convenience fees of 2.5-3%.

Q: Why do I receive multiple tax bills? A: Each taxing district (county, school, city, special districts) may send separate bills, though some coordinate consolidated billing. All bills for the same property tax year have the same due dates regardless of when received.

Q: Are there property tax credits for solar panels or energy improvements? A: Texas law prevents increases in assessed value due to solar panel installations. Some energy efficiency improvements may qualify for temporary exemptions, but these require specific applications and have limited duration.

Verified Sources

Backed by 9 Official Government Sources

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

01
County
Kendall County, TXco.kendall.tx.us
02
Tax Doc
Notice About 2025 Tax Rateskendallcountytx.gov
03
County
Kendall County Property Taxnacdashboard.nara.gov
04
Tax Doc
96-1717 Handbook of Texas Property Tax Rulescomptroller.texas.gov
05
Kendall AD – Official Siteco.kendall.tx.us
06
Residence Homestead Exemption Affidavits - Texas Comptrollercomptroller.texas.gov
07
Kendall Appraisal Districtcomptroller.texas.gov
08
Guidelines for Qualification of Agricultural Land in Wildlife ...comptroller.texas.gov
09
Manual for the Appraisal of Timberland - Texas Comptrollercomptroller.texas.gov
All sources verified as of 2025 Tax Year

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