HonestCasa logoHonestCasa
Updated 2025 Tax Year

Orange County
Property Tax Guide

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

10 Official Sources
8 min read
Quick Facts
Tax Rate
$0.492847 per $100 assessed value (county base rate), varies by district with additional municipal and school district rates
1st Due
Jan 31
Exemptions
5+ Available
Section 1

How Property Tax Works

Orange County, Texas operates under the state's property tax system, which serves as the primary funding mechanism for local government services, schools, emergency services, and infrastructure maintenance. Property taxes in Orange County fund essential services including the county government operations, local school districts, municipal services, and various special districts such as water, drainage, and hospital districts. The county follows Texas state law requiring annual assessments based on market value as of January 1st each year.

Property tax rates in Orange County vary significantly by location within the county due to the layered structure of taxing entities. While the county's base rate for FY 2025-2026 is $0.492847 per $100 of assessed value, residents also pay additional rates to school districts, municipalities, and special districts that can vary dramatically based on their specific location. Total effective tax rates typically range from approximately 1.5% to 2.5% of assessed value, depending on which combination of taxing districts serve a particular property. Homeowners should verify their specific tax rate by identifying all applicable taxing entities for their address, as properties just blocks apart may have substantially different total tax rates.

Section 2

What Makes Up Your Tax Bill

ComponentRate (per $100)DescriptionLevy Year
Orange County Base$0.492847County general fund operations, roads, courts, sheriffFY 2025-2026
School DistrictsVaries by districtLocal school district operations and debt serviceFY 2025-2026
MunicipalitiesVaries by cityCity services where applicable (incorporated areas only)FY 2025-2026
Hospital DistrictsVaries by districtLocal hospital and healthcare facility fundingFY 2025-2026
Water/Utility DistrictsVaries by districtWater, sewer, drainage infrastructure and servicesFY 2025-2026
Emergency ServicesVaries by districtFire protection, EMS servicesFY 2025-2026

Note: The voter-approval tax rate for Orange County is $0.505245 per $100. Special taxing districts create significant rate variations within the county - properties may be subject to different combinations of school districts, municipal utility districts, emergency services districts, and other special purpose districts. Contact the Orange County Appraisal District to determine the specific taxing entities and rates applicable to your property address.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Orange 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 Orange County are triggered by changes in property ownership, completion of new construction, or significant improvements that increase a property's assessed value during the tax year. When these qualifying events occur after January 1st (the annual assessment date), the county may issue a supplemental tax bill to capture the additional tax liability for the remaining portion of the tax year.

The supplemental tax is calculated by determining the difference between the new assessed value and the previous assessed value, then applying the applicable tax rate to this difference, prorated for the number of months remaining in the tax year. For example, if a property's assessed value increases by $50,000 due to completed renovations in July, and the total tax rate is 2.0%, the supplemental tax would be calculated as: ($50,000 ÷ 100) × $2.00 × (6 months ÷ 12 months) = $500. Supplemental tax bills are typically issued within 30-90 days of the triggering event and have separate due dates from regular property tax bills.

Example Calculation

Example 1: $300,000 Property

  • Assessed Value: $300,000
  • Homestead Exemption Applied: $100,000 (school district portion)
  • Net Taxable Value: $300,000 (county); $200,000 (school district)
  • Total Tax Rate: ~2.0% (estimated combined rate)
  • Annual Tax: ~$5,600
  • Monthly Escrow: ~$467

Example 2: $600,000 Property

  • Assessed Value: $600,000
  • Homestead Exemption Applied: $100,000 (school district portion)
  • Net Taxable Value: $600,000 (county); $500,000 (school district)
  • Total Tax Rate: ~2.0% (estimated combined rate)
  • Annual Tax: ~$11,600
  • Monthly Escrow: ~$967

Example 3: $1,000,000 Property

  • Assessed Value: $1,000,000
  • Homestead Exemption Applied: $100,000 (school district portion)
  • Net Taxable Value: $1,000,000 (county); $900,000 (school district)
  • Total Tax Rate: ~2.0% (estimated combined rate)
  • Annual Tax: ~$19,600
  • Monthly Escrow: ~$1,633

Important Notes: Homestead exemptions require annual application and only apply to primary residences. Tax rates vary significantly by specific location within Orange County due to special district variations. These examples use estimated combined rates - actual rates depend on your property's specific taxing districts.

See How Taxes Affect Your Payment

Property taxes are just part of your total monthly cost. Get the full picture.

Calculate Now
Section 5

Escrow & Property Taxes

Most mortgage lenders in Orange County require property tax escrow accounts for borrowers with less than 20% equity in their homes. The lender collects monthly property tax payments along with principal and interest, depositing these funds into an escrow account. Lenders typically collect 1/12th of the annual property tax bill each month, plus an additional 2-month cushion as allowed by federal law. The lender pays property taxes directly to Orange County when they become due on January 31st.

Property owners with escrow accounts should receive an annual escrow analysis statement from their lender, typically in late fall, showing the account balance and any required payment adjustments for the coming year. If property taxes increase due to rising assessed values or tax rate changes, monthly escrow payments may increase accordingly. Property owners remain responsible for verifying that their lender pays taxes on time and should monitor their Orange County tax account online. If you pay taxes outside of escrow, remember that Texas law requires payment by January 31st to avoid penalties and interest charges.

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 Orange County for the current tax year? A: Property taxes for FY 2025-2026 are due by January 31st. First installment payments are due by November 1st if you choose to pay in installments. Late payments incur penalties and interest starting February 1st.

Q: What homestead tax credits are available and do I need to apply? A: The primary homestead exemption provides a $100,000 reduction in assessed value for school district taxes on your primary residence. This requires annual application with the Orange County Appraisal District. Additional exemptions may be available for seniors (65+), disabled persons, and veterans, all requiring separate applications with documentation.

Q: How does the homestead exemption work? A: The homestead exemption reduces your property's assessed value for tax calculation purposes and caps annual assessment increases at 10% for your primary residence. It does NOT reduce the market value of your property. You must apply annually and occupy the property as your primary residence on January 1st to qualify.

Q: When do I need to apply for exemptions and credits? A: Applications for homestead exemptions and other tax credits must typically be filed by April 30th with the Orange County Appraisal District. Late applications may be accepted with penalty in certain circumstances. New homeowners should apply as soon as possible after purchase.

Q: How often are properties assessed and can I appeal? A: Properties are assessed annually as of January 1st. Assessment notices are typically mailed in April-May. You have the right to appeal your assessment through the Orange County Appraisal District's review process, with deadlines typically in late May or early June.

Q: What are the penalties for late property tax payment? A: Penalties begin accruing February 1st at 6% for the first month, 7% for the second month, and 8% for the third month. Interest charges of 1% per month also apply. Attorney fees may be added if the account becomes delinquent beyond April 1st.

Q: Can I pay property taxes online? A: Yes, Orange County typically offers online payment options through their official website. Payment methods usually include electronic check and credit/debit cards, though convenience fees may apply for card payments.

Q: Why do properties in Orange County have different tax rates? A: Orange County contains multiple overlapping taxing districts including school districts, municipal utility districts, hospital districts, and emergency services districts. Your specific combination of districts determines your total tax rate, which is why neighboring properties may have significantly different tax bills even with similar values.

See the Full Picture of Your Home Costs

Property taxes are just one piece of homeownership. HonestCasa helps you understand your total monthly cost and explore safe ways to access your home equity.

Total Monthly Cost

Mortgage + taxes + insurance + HOA

Equity Growth

Track how your equity grows over time

Safe Equity Access

Options for projects or debt payoff

Free • No credit check • 2-minute estimate