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Updated 2025 Tax Year

Llano County
Property Tax Guide

Everything you need to know about property taxes in Llano 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% total effective rate (varies by district); County rate: $0.25953 per $100 assessed value
1st Due
Jan 31
Exemptions
4+ Available
Section 1

How Property Tax Works

Llano County, Texas operates under the state's property tax system, where property taxes serve as the primary funding mechanism for essential local services including schools, county operations, emergency services, and infrastructure maintenance. The county's property tax structure consists of multiple components from different taxing entities, with the total effective tax rate typically ranging from approximately 2.0% to 2.8% of assessed value, depending on your specific location within the county.

Property tax rates vary significantly across Llano County due to the presence of different special taxing districts, school districts, and municipal boundaries. While the county levy rate for FY 2025-2026 is $0.25953 per $100 of assessed value, property owners also pay taxes to school districts, cities (if applicable), and various special districts such as water, hospital, or emergency services districts. This layered approach means that two properties of equal value in different areas of Llano County may have substantially different total tax bills based on their specific combination of taxing jurisdictions.

Section 2

What Makes Up Your Tax Bill

ComponentRate (per $100)Description
County Base$0.25953Llano County operations, roads, law enforcement
School DistrictVaries by districtLocal school funding (major component)
City/MunicipalityVaries if applicableMunicipal services for incorporated areas
Emergency ServicesVaries by districtFire, EMS, emergency management
Hospital DistrictVaries if applicableLocal hospital and healthcare services
Water/Utility DistrictsVaries by districtWater, sewer, utility infrastructure
Other Special DistrictsVaries by districtParks, drainage, other local services

Rates shown are for FY 2025-2026 levy year. Total effective rates typically range from 2.0% to 2.8% depending on your specific location and applicable taxing districts. Contact the Llano Central Appraisal District for your property's exact taxing entity combination.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Llano 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 are primarily triggered when property undergoes significant changes during the tax year, such as new construction completion, major improvements, or change in property use classification. When these events occur, the appraisal district reassesses the property's value and applies the current year's tax rates to the increased assessed value, prorating the additional tax owed from the date the improvement was completed or the change occurred.

For example, if you complete a $100,000 home addition in July, and your total effective tax rate is 2.5%, you would owe approximately $1,250 in additional taxes ($100,000 × 0.025), prorated for the remaining months of the tax year. This supplemental bill would be calculated from July through the end of the tax year, resulting in roughly $625 in additional taxes due. The supplemental tax becomes part of your regular tax bill cycle and follows the same payment schedule as your base property taxes.

Example Calculation

Example 1: $300,000 Home with Basic Homestead

  • Market Value: $300,000
  • School District Homestead Credit Applied: $100,000 reduction
  • Net School Taxable Value: $200,000
  • County/Other Taxable Value: $300,000
  • Estimated Total Tax Rate: 2.4%
  • Annual Tax: ~$5,520 | Monthly (if escrowed): ~$460

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

  • Market Value: $600,000
  • School Homestead Credit: $100,000 reduction
  • Additional Over-65 Credits: Varies by district
  • Estimated Net Taxable Value: ~$475,000
  • Estimated Total Tax Rate: 2.3%
  • Annual Tax: ~$10,925 | Monthly (if escrowed): ~$910

Example 3: $1,000,000 Home with Maximum Credits

  • Market Value: $1,000,000
  • School Homestead Credit: $100,000 reduction
  • 10% Assessment Growth Cap Applied (if applicable)
  • Estimated Net Taxable Value: ~$875,000
  • Estimated Total Tax Rate: 2.5%
  • Annual Tax: ~$21,875 | Monthly (if escrowed): ~$1,823

All tax credits require application and approval. Calculations are estimates based on average rates - actual taxes depend on specific taxing districts.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Llano County require borrowers to maintain an escrow account for property taxes, especially when the loan-to-value ratio exceeds 80%. Your lender collects monthly payments equal to approximately 1/12 of your annual property tax bill, holds these funds in a separate escrow account, and pays your taxes directly to the county when due. Lenders typically pay taxes in early January to meet the January 31st deadline for the current tax year.

The escrow account is reviewed annually, and your lender will provide an escrow analysis statement showing any surplus or shortage. If property values or tax rates increase significantly, you may face an escrow shortage requiring either a lump-sum payment or increased monthly payments. You can verify that your taxes have been paid by checking with the Llano Central Appraisal District or accessing your account online. If you pay taxes directly without escrow, remember that Texas allows split payments, but the final deadline is January 31st to avoid penalties.

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 Llano County for FY 2025-2026? A: Property taxes are due January 31st for the full amount. However, you can make split payments: first installment by October 1st, second by December 31st, and final payment by January 31st to avoid penalties.

Q: What tax credits are available and do I need to apply? A: Major credits include the $100,000 school district homestead credit (requires application), over-65 exemptions (requires application), disabled veteran credits (requires application), and agricultural/timber use valuations (requires application). None are automatic - you must file applications with the Llano Central Appraisal District.

Q: How does the homestead credit work? A: The homestead credit provides a $100,000 reduction in assessed value for school district taxes only, and caps your assessment increases at 10% annually. You must apply for homestead designation, and it only applies to your primary residence where you live as of January 1st.

Q: When is my property reassessed? A: Properties are appraised annually as of January 1st. The Llano Central Appraisal District reviews market values, sales data, and property improvements to determine assessed values for the upcoming tax year.

Q: How do I appeal my property assessment? A: You can file a protest with the Llano County Appraisal Review Board, typically between April and May. You'll need comparable sales data, property condition information, or evidence of assessment errors to support your case.

Q: What happens if I pay late? A: Penalties begin February 1st at 6% of the tax owed, plus 1% interest per month. Additional attorney and collection fees may apply for severely delinquent accounts.

Q: Can I pay my taxes online? A: Yes, most Texas counties including Llano County offer online payment systems through the tax assessor-collector's website, typically accepting electronic checks and credit cards (with processing fees).

Q: Why do my neighbors pay different tax rates on similar homes? A: Tax rates vary based on your specific combination of taxing districts. Different school districts, municipal boundaries, emergency service districts, and special utility districts create varying total tax rates across Llano County, even for similar properties.

Verified Sources

Backed by 10 Official Government Sources

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

01
County
Llano County Budget Fiscal Year 2025/2026co.llano.tx.us
02
County
Approved Budget FY2026 - Llano Countyco.llano.tx.us
03
County
Llano County Fiscal Year 2025-2026 Proposed Budget Cover ...co.llano.tx.us
04
Tax Doc
Property Tax Law Deadlines - Texas Comptrollercomptroller.texas.gov
05
County
Tax Assessor-Collector - LLano County, Texasco.llano.tx.us
06
Tax Doc
Property Tax Today - Texas.govcomptroller.texas.gov
07
Llano CAD – Official Site – Llano, Txhorseshoe-bay-tx.gov
08
2025 Deduction Detail - Texas Comptrollercomptroller.texas.gov
09
Tax Doc
Property Tax Methods and Assitance Program 2025 Reportcomptroller.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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