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Updated 2025 Tax Year

Kerr County
Property Tax Guide

Everything you need to know about property taxes in Kerr 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% effective rate (varies by taxing districts including school, county, city, and special districts)
1st Due
Jan 31
Exemptions
5+ Available
Section 1

How Property Tax Works

Property taxes in Kerr 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 the Texas Property Tax Code, which establishes assessment procedures, exemption eligibility, and collection timelines. Property owners in Kerr County face a combined effective tax rate that typically ranges from 2.0% to 2.8% of assessed value, depending on their specific location within the county.

The actual tax rate varies significantly by location within Kerr County due to overlapping special taxing districts, including school districts, municipal utility districts, emergency services districts, and city jurisdictions. Property owners receive a single tax bill that combines levies from multiple taxing entities, with the Kerr County tax office serving as the collection agent. The assessment year runs from January 1 to December 31, with taxes becoming due the following January 31st for the full annual amount.

Section 2

What Makes Up Your Tax Bill

ComponentRate per $100Description
Kerr County Base$0.4024County general operations, roads, law enforcement
School District$1.00-$1.30*Varies by district (Kerrville ISD, Hunt ISD, etc.)
City/Municipal$0.25-$0.60*City services where applicable
Emergency Services$0.05-$0.15*EMS and fire protection districts
Special Districts$0.10-$0.40*MUDs, water districts, other special purposes
Total Combined$1.84-$2.80Varies by specific location

*Rates shown are representative ranges for FY 2024-2025. The Kerr County base rate of $0.4024 per $100 represents the no-new-revenue rate adopted for 2025. Property owners should verify their specific rate combination based on their property address, as special taxing district boundaries create significant variation in total effective rates throughout the county.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Kerr 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 Kerr County are triggered when property ownership changes hands or when new construction is completed during the tax year. When these events occur, the county assessor calculates a pro-rated tax bill based on the new assessed value and the remaining months in the current tax year. For ownership transfers, the supplemental tax represents the difference between what the previous owner paid and what should be owed based on the current assessed value.

New construction supplemental taxes apply from the date a certificate of occupancy is issued or when the improvement becomes habitable. For example, if a new home worth $400,000 receives its certificate of occupancy on July 1st, the owner would owe supplemental taxes on that value for the remaining six months of the tax year. The calculation would be: ($400,000 ÷ $100) × applicable tax rate × (6 months ÷ 12 months). These supplemental bills are typically mailed within 60 days of the triggering event and become due 30 days from the mail 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: 2.20%
  • Annual Tax: $4,400
  • Monthly (if escrowed): $367

Example 2: $600,000 Home with Homestead and Age 65+ Exemptions

  • Market Value: $600,000
  • School District Homestead Exemption: $100,000
  • Senior Exemption (additional): $10,000
  • Net Taxable Value: $490,000
  • Combined Tax Rate: 2.35%
  • Annual Tax: $11,515
  • Monthly (if escrowed): $960

Example 3: $1,000,000 Commercial Property

  • Market Value: $1,000,000
  • No Exemptions Available: $0
  • Net Taxable Value: $1,000,000
  • Combined Tax Rate: 2.45%
  • Annual Tax: $24,500
  • Monthly (if escrowed): $2,042

Note: All exemptions require annual application and approval. Tax credits such as disability or veteran exemptions would provide additional reductions but must be applied for separately through the Kerr County Appraisal District.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Kerr County require borrowers to maintain an escrow account for property tax payments, particularly when the loan-to-value ratio exceeds 80%. Lenders collect monthly escrow payments equal to 1/12th of the annual property tax bill plus a cushion amount (typically 2 months of payments). These funds are held in a separate account and used to pay property taxes when they become due on January 31st each year.

Property owners with escrow accounts receive their annual tax bill directly from Kerr County, but payment is handled by their mortgage servicer. Lenders typically pay taxes in late January to ensure timely payment and avoid penalties. Property owners should verify that their lender has received the current tax bill and confirm the escrow account balance is adequate. Texas law requires lenders to provide an annual escrow analysis showing projected payments and any required adjustments to monthly escrow amounts. If property taxes increase significantly due to reassessment or rate changes, lenders may require an immediate escrow shortage payment or spread the shortage over 12 monthly payments.

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 Kerr County property taxes due for the 2024 tax year? A: Property taxes are due January 31, 2025, as a single annual payment. There is no split payment option available. Payments received after January 31st incur penalty and interest charges.

Q: What homestead exemptions are available and how do I apply? A: The primary residence homestead exemption provides a $100,000 reduction in assessed value for school district taxes only. This requires filing Form 50-114 with the Kerr County Appraisal District by April 30th. Additional exemptions include age 65+ ($10,000), disabled persons, and disabled veterans. The homestead also caps annual assessment increases at 10%.

Q: How often is my property reassessed? A: Texas requires annual property assessments. The Kerr County Appraisal District reviews all properties each year, though not every property receives a physical inspection annually. Market value assessments are based on comparable sales, construction costs, and income potential for commercial properties.

Q: What if I disagree with my property assessment? A: Property owners may file an informal protest with the appraisal district by May 15th (or 30 days after receiving the notice if later). If unsuccessful, a formal protest can be filed with the Appraisal Review Board. The deadline for formal protests is typically May 31st or 30 days after the notice date.

Q: What are the penalties for late payment? A: Penalty and interest begin accruing February 1st. The penalty is 6% in February, 7% in March, 8% in April, 9% in May, 10% in June, and 12% July 1st and after. Interest of 1% per month also applies to the unpaid balance.

Q: Can I pay my property taxes online? A: Yes, Kerr County offers online payment through their official website. Accepted methods include electronic check (ACH) and credit/debit cards, though convenience fees apply for card payments. Payments can also be made by mail, in person, or through authorized payment centers.

Q: Do special districts affect my tax rate? A: Yes, special taxing districts such as Municipal Utility Districts (MUDs), Emergency Services Districts (ESDs), and school districts create varying tax rates throughout Kerr County. Your total rate depends on which districts serve your property address. The county tax bill shows all applicable district taxes.

Q: Are disabled veterans eligible for property tax exemptions? A: Yes, disabled veterans may qualify for partial or complete property tax exemptions based on their disability rating. A 10% or higher disability rating qualifies for a $12,000 exemption. Veterans with 100% disability ratings or those unemployable due to service-connected disabilities may qualify for complete exemption. Applications must be filed with supporting documentation from the VA.

Verified Sources

Backed by 10 Official Government Sources

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

01
County
Notice About 2025 Tax Rates - Kerr Countylegacy.co.kerr.tx.us
02
County
Tax Assessor-Collector | Welcome to Kerr Countykerrcountytx.gov
03
County
NOTICE OF MEETING TO VOTE ON TAX RATE - Kerr Countylegacy.co.kerr.tx.us
04
County
Kerr County Property Owners Reminded that their Tax Bills ...kerrcountytx.gov
05
Tax Doc
Property Tax Second Installment Due by June 30kerrcountytx.gov
06
State
Kerr property tax statements going out in mail this weekkerrcountytx.gov
07
city of kerrville, texas - ordinance no. 2024-04kerrvilletx.gov
08
Application for Residence Homestead Exemptioncomptroller.texas.gov
09
Tax Doc
Water District Notice of Public Hearing on Tax Ratelegacy.co.kerr.tx.us
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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