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Updated 2025 Tax Year

Sterling County
Property Tax Guide

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

10 Official Sources
8 min read
Quick Facts
Tax Rate
$0.6655 per $100 assessed value (varies by special districts)
1st Due
Jan 31
Exemptions
5+ Available
Section 1

How Property Tax Works

Sterling County, Texas operates under the state's property tax system, which serves as the primary funding mechanism for local government services, public schools, and special districts. Property taxes in Sterling County fund essential services including education through Sterling City ISD, county operations, emergency services, and infrastructure maintenance. The effective tax rate varies by location within the county depending on which combination of taxing entities serve your specific property.

Property tax rates in Sterling County are expressed per $100 of assessed property value, with the total rate for FY 2025-2026 being approximately $0.6655 per $100 for most properties. However, your actual tax rate may differ based on special taxing districts that serve your area, such as emergency services districts, water districts, or other municipal utility districts. The county follows Texas Property Tax Code requirements, including assessment caps and exemption programs that can significantly reduce your tax burden if you qualify and apply for them.

Section 2

What Makes Up Your Tax Bill

ComponentRate (per $100)DescriptionLevy Year
Sterling County$0.6655County general operations, roads, courts, law enforcementFY 2025-2026
Sterling City ISDIncluded in totalPublic education funding (specific rate varies)FY 2025-2026
Special DistrictsVaries by locationEmergency services, water, other local servicesFY 2025-2026

Total Combined Rate: $0.6655 per $100 (This is the voter-approved rate for FY 2025-2026)

Note: Your actual tax rate may vary depending on which special taxing districts serve your property. The county is considering potential rate adjustments for future years. Contact the Sterling County Appraisal District for your specific location's complete rate breakdown.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Sterling 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 Sterling County are triggered when there are changes in property ownership, new construction, or improvements that occur after the initial assessment date but before the end of the tax year. These supplemental assessments ensure that property taxes reflect the current use and value of the property throughout the entire tax year.

When a supplemental tax is levied, it is calculated based on the difference between the new assessed value and the previous assessed value, prorated for the remaining months in the tax year. For example, if you purchase a home in Sterling County in March and the new assessment is higher than the previous owner's assessment, you would owe supplemental taxes for the remaining 10 months of the fiscal year. The supplemental tax becomes due immediately upon issuance and follows the same payment schedule as regular property taxes.

Example Calculation

Example 1: $300,000 Home with Homestead Exemption

  • Market Value: $300,000
  • Sterling City ISD Homestead Exemption: $100,000
  • Net Taxable Value: $200,000
  • Annual Tax: $200,000 ÷ 100 × $0.6655 = $1,331
  • Monthly Equivalent: $111

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

  • Market Value: $600,000
  • Sterling City ISD Homestead Exemption: $100,000
  • Additional Over-65 Exemption: $10,000 (estimated)
  • Net Taxable Value: $490,000
  • Annual Tax: $490,000 ÷ 100 × $0.6655 = $3,261
  • Monthly Equivalent: $272

Example 3: $1,000,000 Commercial Property

  • Market Value: $1,000,000
  • No Exemptions Applied
  • Net Taxable Value: $1,000,000
  • Annual Tax: $1,000,000 ÷ 100 × $0.6655 = $6,655
  • Monthly Equivalent: $555

Note: All exemptions require application and approval. Homestead exemptions also cap annual assessment increases at 10% for qualified properties.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Sterling County require property tax escrow accounts for borrowers with less than 20% down payment. Your lender collects monthly escrow payments equal to your annual property tax divided by 12, plus a small cushion as allowed by federal law. Since Sterling County property taxes are due October 1st annually, lenders typically pay your taxes from the escrow account by the due date.

Lenders are required to provide annual escrow statements showing deposits, payments, and account balances. If your property taxes change due to reassessment or rate changes, your monthly escrow payment will be adjusted accordingly. You have the right to request escrow account information and challenge discrepancies. If you pay off your mortgage or reach sufficient equity, you may be able to eliminate the escrow requirement and pay property taxes directly, though this varies by lender policy.

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 Sterling County property taxes due for FY 2025-2026? A: Property taxes are due October 1st annually. Taxes become delinquent if not paid by January 31st of the following year.

Q: What homestead tax credits are available and how do I apply? A: The primary benefit is the Sterling City ISD homestead exemption worth $100,000, plus a 10% annual assessment increase cap. You must file an application with the Sterling County Appraisal District by April 30th following the year you establish homestead.

Q: Are there additional tax credits for seniors or disabled persons? A: Yes, Sterling County offers over-65 and disabled person exemptions. These require separate applications and must be filed with supporting documentation. Contact the appraisal district for current amounts and application procedures.

Q: How does the homestead exemption work? A: The homestead exemption reduces your taxable value by $100,000 for school district taxes and caps your annual assessment increases at 10%. It does NOT reduce your market value - only the amount subject to taxation.

Q: When can I appeal my property assessment? A: You can protest your property value with the Sterling County Appraisal Review Board. Protests must typically be filed by May 31st or within 30 days of receiving your assessment notice.

Q: What are the penalties for late payment? A: Taxes paid after January 31st incur penalty and interest charges. Penalties start at 6% and increase monthly, plus attorney fees may apply for delinquent accounts.

Q: Can I pay my property taxes online? A: Contact the Sterling County Tax Assessor-Collector's office for current online payment options and accepted payment methods.

Q: Why might my tax rate differ from my neighbor's? A: Tax rates vary based on which special districts serve your property, such as emergency services districts, municipal utility districts, or other local taxing entities.

Q: Do exemptions apply automatically? A: No, almost all exemptions and credits require written application and approval. You must apply with the Sterling County Appraisal District and provide required documentation.

Q: How often are properties reassessed? A: Texas law requires annual assessment, but homestead properties with exemptions are subject to the 10% annual increase cap regardless of market value changes.

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