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Updated 2025 Tax Year

Navarro County
Property Tax Guide

Everything you need to know about property taxes in Navarro 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
$0.2910 per $100 assessed value (county only), total rates vary by school district and municipality
1st Due
Jan 31
Exemptions
5+ Available
Section 1

How Property Tax Works

Navarro County, Texas operates under the state's property tax system to fund essential local services including schools, county operations, emergency services, and infrastructure maintenance. Property taxes are the primary revenue source for these services, with assessments based on the market value of real estate as determined by the Navarro County Appraisal District. The county follows Texas Property Tax Code guidelines, including the 10% annual assessment increase cap for homestead properties.

For the 2025 tax year, Navarro County's base tax rate is $0.2910 per $100 of assessed valuation, representing a 1.03% increase from the previous year. However, your actual property tax rate will vary significantly based on your location within the county due to additional assessments from school districts, municipalities, and special taxing districts such as hospital districts, water districts, and municipal utility districts. Total effective rates typically range from 1.5% to 2.5% of assessed value depending on these overlapping jurisdictions.

Section 2

What Makes Up Your Tax Bill

ComponentRate per $100Description
Navarro County$0.2910Base county services, roads, law enforcement
School Districts$1.00-$1.35Varies by district (state-mandated $100K homestead exemption)
Cities/Towns$0.15-$0.65Municipal services (varies by city)
Hospital Districts$0.08-$0.15Emergency medical services
Water/Utility Districts$0.05-$0.25Infrastructure and utilities
Other Special Districts$0.02-$0.10Fire, road, conservation districts

Rates shown are for FY 2025-2026 tax year. Your total rate depends on which jurisdictions serve your property location. Contact Navarro County Appraisal District at (903) 874-3331 for your specific tax rate combination.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Navarro 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 Navarro County are additional assessments that occur when property ownership changes or new construction is completed during the tax year. These supplements ensure the new owner or improved property pays the appropriate tax amount for the remaining portion of the current tax year.

Supplemental taxes are calculated by taking the difference between the old and new assessed values, applying the current tax rate, and prorating for the remaining months in the tax year. For example, if you purchase a home in July that was previously assessed at $200,000 but now appraises at $300,000, you would owe supplemental tax on the $100,000 difference for the remaining 6 months of the tax year. This would equal approximately $145 in additional county taxes ($100,000 ÷ 100 × $0.2910 ÷ 2), plus any applicable school district and special district supplements.

Example Calculation

Example 1: $300,000 Home with Homestead Exemption

  • Market Value: $300,000
  • School District Homestead Exemption: -$100,000 (school taxes only)
  • County Taxable Value: $300,000
  • School District Taxable Value: $200,000
  • Estimated Annual Tax: $3,150 (varies by district)
  • Monthly Escrow: ~$263

Example 2: $600,000 Home with Homestead Exemption

  • Market Value: $600,000
  • School District Homestead Exemption: -$100,000 (school taxes only)
  • County Taxable Value: $600,000
  • School District Taxable Value: $500,000
  • Estimated Annual Tax: $7,200 (varies by district)
  • Monthly Escrow: ~$600

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

  • Market Value: $1,000,000
  • School District Homestead Exemption: -$100,000 (school taxes only)
  • County Taxable Value: $1,000,000
  • School District Taxable Value: $900,000
  • Estimated Annual Tax: $13,500 (varies by district)
  • Monthly Escrow: ~$1,125

Note: Homestead exemption requires annual application. Rates vary by special districts in your area.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Navarro County require property tax escrow accounts to ensure timely tax payments. Your lender collects 1/12 of your estimated annual property tax bill with each monthly mortgage payment, depositing these funds into an escrow account. The lender then pays your property taxes directly to Navarro County when they become due.

Texas property taxes follow a split payment schedule with quarterly due dates: April 30, July 31, October 14, and January 31. However, many taxpayers opt for the single annual payment due January 31 without penalty. Your lender will typically pay the full annual amount by the January 31 deadline. You should receive an annual escrow statement showing the account activity and any adjustments needed due to tax rate changes or assessment increases. If your taxes increase significantly, your lender may require higher monthly escrow contributions or a lump sum payment to cover shortfalls.

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 Navarro County? A: For FY 2025-2026, you can pay quarterly (April 30, July 31, October 14, January 31) or make a single annual payment by January 31, 2026.

Q: What homestead exemption am I eligible for? A: The primary homestead exemption provides a $100,000 reduction in assessed value for school district taxes only. You must apply annually with the Navarro County Appraisal District by April 30. This exemption also caps annual assessment increases at 10%.

Q: Are there additional tax credits for seniors or disabled persons? A: Yes, Navarro County provides a $15,000 exemption for residents over 65 on all county taxes, plus a tax freeze that caps increases. Disabled persons may qualify for similar benefits. Applications required annually by April 30.

Q: How do I appeal my property assessment? A: File a protest with the Navarro County Appraisal Review Board by May 15 (or 30 days after receiving your notice). Contact the Appraisal District at (903) 874-3331 for forms and procedures.

Q: What penalties apply for late payment? A: Late payments incur 6% penalty in February, plus 1% each additional month. Interest accrues at 1% per month. Attorney fees may apply after July 1.

Q: Can I pay property taxes online? A: Yes, visit the Navarro County Tax Assessor-Collector website for online payment options. Credit card fees may apply.

Q: How do special district taxes affect my bill? A: Your location determines which hospital, water, fire, or utility districts serve your property. Each adds its own tax rate to your total bill. Contact the Appraisal District for your specific district breakdown.

Q: When do I need to reapply for exemptions? A: Most exemptions require annual applications by April 30, including homestead, over-65, and disability exemptions. Veterans' exemptions may have different deadlines.

Verified Sources

Backed by 9 Official Government Sources

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

01
Tax Doc
Taxes | City of Blooming Groveci.blooming-grove.tx.us
02
County
Final Approved Budget for Fiscal 2025 - Navarro Countyco.navarro.tx.us
03
Tax Doc
2025-2026 Tax Ratenavarroisd.us
04
Tax Doc
96-1717 Handbook of Texas Property Tax Rulescomptroller.texas.gov
05
Tax Doc
Property Tax Law Deadlines - Texas Comptrollercomptroller.texas.gov
06
Tax Doc
Property Tax Today - Texas Comptrollercomptroller.texas.gov
07
Residence Homestead Exemption Affidavits - Texas Comptrollercomptroller.texas.gov
08
2025 Deduction Detail - Texas Comptrollercomptroller.texas.gov
09
County
Final Approved Budget for Fiscal 2024 - Navarro Countyco.navarro.tx.us
All sources verified as of 2025 Tax Year

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