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Updated 2025 Tax Year

Oldham County
Property Tax Guide

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

8 Official Sources
8 min read
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Quick Facts
Tax Rate
Varies by location, typically $0.80-$1.20 per $100 valuation depending on taxing districts
1st Due
Feb 1
Exemptions
5+ Available
Section 1

How Property Tax Works

Property taxes in Oldham County, Texas, fund essential local government services including schools, county operations, emergency services, and infrastructure maintenance. The county follows Texas state property tax law, with taxes levied annually based on the assessed value of real and personal property as of January 1st each year. Property owners receive tax bills in the fall, with payments due by February 1st of the following year.

The effective property tax rate in Oldham County varies by location within the county due to different combinations of taxing entities. Property owners may be subject to taxes from multiple jurisdictions including Oldham County, school districts (such as Channing ISD), cities, and special districts. The combined tax rates typically range from approximately $0.47 to over $1.00 per $100 of assessed valuation, depending on which taxing districts serve your specific property location. It's important to understand that your actual tax rate depends on the specific mix of taxing entities where your property is located.

Section 2

What Makes Up Your Tax Bill

ComponentRate (per $100 valuation)Description
Oldham County$0.4700 (proposed)County general fund operations, roads, law enforcement
School DistrictsVaries by districtLocal school district operations and debt service
CitiesVaries by municipalityMunicipal services where applicable
Special DistrictsVaries by districtHospital districts, utility districts, other special purposes

Note: The county rate shown is the proposed 2025 tax year rate subject to final approval. School district rates and special district rates vary significantly depending on your property's location within Oldham County. Your total tax rate is the sum of all applicable taxing entities for your specific property address. Contact the Oldham County Tax Assessor-Collector at the county courthouse for your specific combined rate.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Oldham County, property taxes are due in two installments:

First Installment
Feb 1
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 generally triggered by new construction, additions, or improvements to existing properties that increase the property's value during the tax year. When new construction is completed or substantial improvements are made after January 1st (the assessment date), the additional value may be subject to prorated taxation for the remaining portion of the tax year.

For example, if you complete a $50,000 home addition in July, the additional assessed value from that improvement would be subject to property tax for approximately half the tax year (July through December). The supplemental tax would be calculated by applying your total tax rate to the additional $50,000 in assessed value, then prorated for the months remaining in the tax year. This supplemental amount would be added to your regular annual tax bill.

Example Calculation

Example 1: $300,000 Home with Homestead Exemption

  • Market Value: $300,000
  • School District Homestead Exemption: -$100,000
  • Taxable Value for School: $200,000
  • Taxable Value for Other Entities: $300,000
  • Estimated Annual Tax: $1,410 - $2,820 (depending on district rates)
  • Estimated Monthly Escrow: $118 - $235

Example 2: $600,000 Home with Homestead Exemption

  • Market Value: $600,000
  • School District Homestead Exemption: -$100,000
  • Taxable Value for School: $500,000
  • Taxable Value for Other Entities: $600,000
  • Estimated Annual Tax: $2,820 - $5,640 (depending on district rates)
  • Estimated Monthly Escrow: $235 - $470

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

  • Market Value: $1,000,000
  • School District Homestead Exemption: -$100,000
  • Taxable Value for School: $900,000
  • Taxable Value for Other Entities: $1,000,000
  • Estimated Annual Tax: $4,700 - $9,400 (depending on district rates)
  • Estimated Monthly Escrow: $392 - $783

Note: These calculations use estimated combined rates. Homestead exemptions require application and approval. Actual taxes depend on your specific location's taxing entities.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Oldham County require property tax escrow accounts to ensure timely payment of property taxes. Your lender collects a monthly amount equal to approximately 1/12th of your estimated annual property tax bill along with your mortgage payment. The lender holds these funds in an escrow account and pays your property taxes directly to Oldham County when they become due on February 1st.

Lenders typically conduct an annual escrow analysis to ensure the correct amount is being collected. If property taxes increase due to rising assessments or tax rate changes, your monthly escrow payment may be adjusted upward. Conversely, if taxes decrease, you may receive a refund of excess escrow funds. Property owners should review their annual escrow statements carefully and contact their lender with any questions about escrow calculations or 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 property taxes due in Oldham County? A: Property taxes are due by February 1st following the tax year. For the 2025 tax year, taxes will be due by February 1, 2026.

Q: What homestead exemptions are available and how do I apply? A: The primary homestead exemption is the $100,000 school district exemption for your primary residence. You must apply with the Oldham County Appraisal District. Applications are typically due by April 30th of the tax year.

Q: Does the homestead exemption cap my assessment increases? A: Yes, Texas law limits assessment increases to 10% annually for homestead properties. This cap applies automatically once your homestead exemption is approved, but the initial exemption requires an application.

Q: How often are properties reassessed? A: Properties are reassessed annually as of January 1st each year by the Oldham County Appraisal District.

Q: What happens if I pay my taxes late? A: Late payments incur interest and penalties. Interest accrues at 1% per month, and additional penalties may apply for delinquent accounts.

Q: Can I pay my property taxes online? A: Contact Tax Assessor-Collector Adriana Cano at the Oldham County courthouse for current online payment options and accepted payment methods.

Q: How do I appeal my property assessment? A: Property assessment appeals must be filed with the Oldham County Appraisal Review Board by the statutory deadline, typically in late spring following the assessment.

Q: Why do my neighbors pay different tax rates? A: Tax rates vary within Oldham County based on which school districts, cities, and special taxing districts serve different areas. Your specific property location determines which combination of taxing entities applies to your property.

Verified Sources

Backed by 8 Official Government Sources

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

01
County
Tax Rate Information - Oldham County, Texasco.oldham.tx.us
02
Tax Doc
Property Tax Methods and Assitance Program 2025 Reportcomptroller.texas.gov
03
Tax Doc
NOTICE OF 2025 TAX YEAR PROPOSEDco.oldham.tx.us
04
County
financial statements - Oldham County, Texasco.oldham.tx.us
05
Tax Doc
96-1717 Handbook of Texas Property Tax Rulescomptroller.texas.gov
06
County
financial statements - Oldham County, Texasco.oldham.tx.us
07
County
Oldham County Appraisal District - Texas Comptrollercomptroller.texas.gov
08
2023 ISD Summary Worksheet - Texas Comptrollercomptroller.texas.gov
All sources verified as of 2025 Tax Year

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