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Updated 2025 Tax Year

San Saba County
Property Tax Guide

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

10 Official Sources
8 min read
Quick Facts
Tax Rate
1.2%-2.5% of assessed value, varies by taxing district combination
1st Due
Jan 31
Exemptions
5+ Available
Section 1

How Property Tax Works

San Saba County, Texas operates under the state's property tax system, which serves as the primary funding mechanism for local government services, school districts, and special districts throughout the county. Property taxes collected fund essential services including public education, county operations, emergency services, road maintenance, and various municipal services. The county's property tax rates are established annually and vary by location within San Saba County depending on which special taxing districts serve each area.

The effective property tax rate in San Saba County typically ranges from approximately 1.2% to 2.5% of assessed value, depending on your specific location and the combination of taxing entities that serve your property. This variation occurs because different areas of the county may be served by different school districts, municipal utility districts, emergency services districts, or other special purpose districts, each with their own tax rates. Property owners should verify their specific tax rate by checking which taxing jurisdictions apply to their particular address.

Section 2

What Makes Up Your Tax Bill

ComponentRateDescription
San Saba County0.120000Base county operations, roads, law enforcement
School District1.0000-1.3000*Local school district rates (varies by district)
City/Municipal0.2000-0.6000*City services (if within city limits)
Emergency Services District0.0500-0.1000*Fire and EMS services
Hospital District0.0750-0.1500*Local hospital/healthcare services
Water/Utility Districts0.0200-0.0800*Special utility districts

*Rates are estimates and vary by specific district. These rates apply to the FY 2025-2026 tax levy year. Your actual tax rate depends on which combination of taxing entities serve your property address. Contact the San Saba Central Appraisal District for your specific rate calculation based on your property's location and applicable taxing jurisdictions.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in San Saba 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 San Saba County are additional tax assessments that occur when there are mid-year changes to a property's assessed value or ownership status. The most common triggers include new construction completion, property improvements that increase value, ownership transfers that remove existing exemptions, or corrections to prior assessments. When these changes occur outside the normal assessment cycle, the county issues a supplemental tax bill to capture the difference between the original assessment and the revised assessment.

The supplemental tax is calculated by determining the difference between the new assessed value and the original assessed value, then applying the current tax rate to that difference. The tax is prorated based on the number of months remaining in the current tax year from the effective date of the change. For example, if a $50,000 home addition is completed in July and increases your assessed value by $50,000, with a total tax rate of 2.0%, you would owe a supplemental tax of $500 ($50,000 × 0.02 × 6/12 months remaining) payable upon receipt of the supplemental bill.

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
  • Estimated Tax Rate: 1.8%
  • Annual Tax: $3,600
  • Monthly Escrow: $300

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

  • Market Value: $600,000
  • School District Homestead Exemption: -$100,000
  • Senior Exemption (additional): -$10,000*
  • Net Taxable Value: $490,000
  • Estimated Tax Rate: 1.8%
  • Annual Tax: $8,820
  • Monthly Escrow: $735

Example 3: $1,000,000 Investment Property (No Exemptions)

  • Market Value: $1,000,000
  • Exemptions Applied: $0
  • Net Taxable Value: $1,000,000
  • Estimated Tax Rate: 1.8%
  • Annual Tax: $18,000
  • Monthly Escrow: $1,500

*All exemptions require annual application and approval. Senior and disability exemptions vary by taxing jurisdiction and require separate applications to each entity.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in San Saba County require property tax escrow accounts for borrowers with less than 20% down payment or upon borrower request. The lender collects 1/12 of your estimated annual property tax bill with each monthly mortgage payment and holds these funds in an escrow account. When property tax payments are due, the lender pays the taxes directly to San Saba County on your behalf. Lenders typically maintain a cushion of 2-3 months of tax payments in the escrow account to ensure sufficient funds are available.

Property tax bills in San Saba County are paid quarterly with due dates of April 30, July 31, October 31, and January 31. Your lender will receive the tax bills and make payments according to this schedule. Annual escrow analysis statements are provided by your lender, showing the account activity and any adjustments needed based on actual tax amounts versus estimated amounts. If your property taxes increase due to reassessment or rate changes, your monthly escrow payment may be adjusted accordingly. Property owners can verify that taxes have been paid by checking with the San Saba County Tax Assessor-Collector's office or online payment portal.

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 San Saba County? A: For the current FY 2025-2026 tax year, quarterly payments are due April 30, 2026, July 31, 2026, October 31, 2026, and January 31, 2027. You may also pay annually by January 31st without penalty.

Q: What homestead tax credits are available and do I need to apply? A: The primary homestead exemption provides up to $100,000 reduction in assessed value for school district taxes on your primary residence. You MUST APPLY for this exemption - it is not automatic. Additional exemptions may be available for seniors over 65 or disabled persons, but each requires separate applications to each taxing entity.

Q: How does the homestead exemption cap work? A: Texas homestead exemption includes a 10% annual assessment increase cap, meaning your home's assessed value for tax purposes cannot increase more than 10% per year while you maintain homestead exemption status. This caps assessment growth but does not reduce the actual market value of your property.

Q: When must I apply for exemptions and where? A: Exemption applications must be filed with the San Saba Central Appraisal District by April 30th of the tax year. Late applications may be accepted with penalty until the following year. Contact the appraisal district for specific forms and requirements.

Q: How often are properties reassessed? A: The San Saba Central Appraisal District reviews property values annually as of January 1st each year. You will receive a Notice of Appraised Value typically between April and May showing any changes to your property's assessed value.

Q: What if I disagree with my property assessment? A: You may protest your property valuation with the San Saba Appraisal Review Board. Protest forms must be filed by May 31st (or within 30 days of receiving your notice, whichever is later). Contact the appraisal district for protest procedures.

Q: What are the penalties for late tax payments? A: Late payments incur penalties and interest charges. Penalty rates start at 6% for the first month late and increase monthly. Interest accrues at 1% per month on unpaid balances.

Q: Can I pay property taxes online? A: Contact the San Saba County Tax Assessor-Collector's office to inquire about online payment options and accepted payment methods for your property tax bill.

Q: Do special districts affect my tax rate? A: Yes, your total property tax rate is the combination of all taxing entities that serve your property, which may include county, school district, city (if applicable), emergency services district, hospital district, or utility districts. Rates vary by location within the county based on which districts serve your area.

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