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Updated 2025 Tax Year

Swisher County
Property Tax Guide

Everything you need to know about property taxes in Swisher 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% to 1.8% of assessed value, varies by location and taxing entities
1st Due
Jan 31
Exemptions
5+ Available
Section 1

How Property Tax Works

Swisher County, Texas operates under the state's property tax system, where property taxes serve as the primary funding source for essential local services including schools, county operations, emergency services, and infrastructure maintenance. The county is located in the Texas Panhandle and includes the city of Tulia as its county seat. Property taxes in Swisher County fund multiple overlapping jurisdictions, creating a layered tax structure that varies by specific location within the county.

The total effective tax rate in Swisher County typically ranges from approximately 1.2% to 1.8% of assessed value, depending on your property's location and the specific combination of taxing entities that serve your area. These entities include the county government, school districts, cities, and various special districts for services like hospitals, water, and other municipal utilities. Property assessments in Texas are conducted annually by the county appraisal district, with the appraised value generally reflecting market value as of January 1st of each tax year. It's important to note that your actual tax bill will depend on which taxing districts serve your specific property location within Swisher County.

Section 2

What Makes Up Your Tax Bill

Based on the 2025 tax year rates, here are the primary taxing components in Swisher County:

ComponentRate (per $100)Description
Swisher County$0.60County operations, roads, law enforcement, courts
School DistrictVaries by districtEducational services (largest component of most tax bills)
City (if applicable)Varies by municipalityMunicipal services for incorporated areas
Hospital DistrictVariesHealthcare services and facilities
Special DistrictsVariesWater, emergency services, or other special purposes

Total Estimated Range: $1.20-$1.80 per $100 of assessed value

These rates apply to the 2025 tax year (FY 2025-2026) and are subject to annual adjustment by each taxing entity. The school district portion typically represents the largest component of your property tax bill. Properties located within city limits will pay additional municipal taxes, while rural properties may be subject to different special district assessments. Contact the Swisher County Appraisal District for the exact combination of rates that applies to your specific property address.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Swisher 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 Texas are typically triggered by significant changes to property ownership, improvements, or corrections to the assessed value during the current tax year. The most common triggers include new construction completion, major renovations that increase property value, ownership transfers that remove certain exemptions, or appraisal district corrections discovered after the initial assessment.

When a supplemental assessment occurs, the additional tax is calculated by applying the current year's tax rate to the increase in assessed value, prorated for the portion of the tax year remaining. For example, if new construction adds $50,000 in assessed value and is completed on July 1st, you would owe taxes on that additional $50,000 for half the tax year (6 months). The supplemental tax bill is typically issued separately from your regular annual property tax bill and has its own due date, usually 30 days from the issue date.

Example Calculation

Here are three property tax calculations for Swisher County using a composite tax rate of $1.50 per $100 of assessed value (2025 tax year):

Example 1: $300,000 Property

  • Market/Assessed Value: $300,000
  • Less: Homestead Exemption (school): $100,000
  • Less: General Homestead Exemption: $25,000
  • Net Taxable Value: $175,000
  • Annual Tax: $175,000 × 0.015 = $2,625
  • Monthly Escrow: $219

Example 2: $600,000 Property

  • Market/Assessed Value: $600,000
  • Less: Homestead Exemption (school): $100,000
  • Less: General Homestead Exemption: $25,000
  • Net Taxable Value: $475,000
  • Annual Tax: $475,000 × 0.015 = $7,125
  • Monthly Escrow: $594

Example 3: $1,000,000 Property

  • Market/Assessed Value: $1,000,000
  • Less: Homestead Exemption (school): $100,000
  • Less: General Homestead Exemption: $25,000
  • Net Taxable Value: $875,000
  • Annual Tax: $875,000 × 0.015 = $13,125
  • Monthly Escrow: $1,094

Note: Homestead exemptions require application and approval. Additional exemptions may be available for seniors, disabled veterans, or disabled persons. Contact the Swisher County Appraisal District for current exemption amounts and application requirements.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Swisher County require property tax escrow accounts for borrowers with less than 20% equity in their homes. Your lender collects monthly payments equal to 1/12th of your estimated annual property tax bill, plus insurance premiums, depositing these funds into an escrow account. The lender pays your property taxes directly to the county tax collector when bills become due.

Swisher County property taxes are paid quarterly with due dates of April 14, July 31, October 30, and January 31. Your mortgage company typically pays these installments on your behalf before the due dates to avoid penalties. At least once annually, your lender will conduct an escrow analysis to ensure adequate funds are being collected, which may result in an increase or decrease to your monthly escrow payment. You should receive an annual escrow statement showing all deposits, payments, and account balances. If you pay your own property taxes, remember that you can choose to pay quarterly or annually, but payments must be received by January 31st to avoid penalties.

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 Swisher County for the 2025 tax year? A: Property taxes are due quarterly: April 14, July 31, October 30, and January 31. All taxes must be paid by January 31st to avoid penalties.

Q: What homestead exemptions are available and do I need to apply? A: Texas offers a $100,000 school district homestead exemption for primary residences, plus additional county and municipal exemptions. These are NOT automatic - you must file an application with the Swisher County Appraisal District by April 30th of the first year you qualify.

Q: How does the homestead exemption affect my property taxes? A: The homestead exemption reduces your taxable assessed value and caps annual assessment increases at 10% for your primary residence. This limits how much your taxes can increase each year, even if market values rise dramatically.

Q: What other tax credits or exemptions are available? A: Additional exemptions include senior citizen (65+), disabled person, disabled veteran, and agricultural/timber exemptions. Each requires a separate application and has specific qualification requirements. Contact the appraisal district for current application forms and deadlines.

Q: When will I receive my 2025 property tax assessment? A: Assessment notices are typically mailed in April-May each year, reflecting property values as of January 1st. Tax bills are usually issued in October for the upcoming tax year.

Q: How do I appeal my property assessment? A: You can file an appeal with the Swisher County Appraisal Review Board, typically by May 31st (or within 30 days of receiving your notice if mailed late). Appeals should include comparable sales data or other evidence of your property's actual market value.

Q: What happens if I pay my property taxes late? A: Penalties begin February 1st at 6% of the tax due, increasing to 7% in March and 8% in April. Interest accrues at 1% per month. After June 30th, additional attorney and court costs may apply.

Q: Can I pay my property taxes online? A: Yes, most Texas counties offer online payment options through their tax collector's website. Contact the Swisher County Tax Assessor-Collector's office for current online payment options, accepted methods, and any convenience fees.

Q: How do special taxing districts affect my property tax bill? A: Depending on your property location, you may pay taxes to multiple entities including the county, school district, city, hospital district, and other special purpose districts. Each sets its own tax rate, so identical properties in different locations within Swisher County may have different total tax bills.

Q: What if I disagree with a supplemental tax assessment? A: You have the right to appeal supplemental assessments just like regular annual assessments. Contact the Swisher County Appraisal District within 30 days of receiving the supplemental notice to understand your appeal options and deadlines.

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