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Updated 2025 Tax Year

Titus County
Property Tax Guide

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

9 Official Sources
8 min read
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Quick Facts
Tax Rate
2.0% to 2.8% of assessed value, varies by district and jurisdiction combination
1st Due
Jan 31
Exemptions
5+ Available
Section 1

How Property Tax Works

Property taxes in Titus County, Texas serve as the primary funding source for essential local services including public schools, county operations, emergency services, and infrastructure maintenance. The county operates under Texas state property tax laws, with assessments conducted annually by the Titus County Appraisal District and collections managed by Tax Assessor-Collector Melissa Stevens.

Effective property tax rates in Titus County typically range from 2.0% to 2.8% of assessed value, depending on your specific location within the county. This variation occurs because property owners pay taxes to multiple overlapping jurisdictions - the county, school districts, cities, and various special districts (such as emergency services districts, hospital districts, or municipal utility districts). Each taxing entity sets its own rate annually, meaning two properties of equal value in different parts of the county may have significantly different tax bills based on which special taxing districts serve their areas.

Section 2

What Makes Up Your Tax Bill

ComponentRate (per $100)Description
County General Fund$0.000074Basic county services, roads, law enforcement
School District$1.0000-$1.3500Public education (varies by district)
City/Municipal$0.3000-$0.6000City services (if within city limits)
Emergency Services District$0.0500-$0.1000Fire and EMS services
Hospital District$0.1500-$0.2500Public healthcare services
Other Special Districts$0.0200-$0.1500Water, MUD, other local services

Rates shown are for FY 2025-2026 and represent typical ranges. Your exact rate depends on which taxing entities serve your property location. The county rate of $0.000074 per $100 was officially adopted for fiscal year 2025-2026.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Titus 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 Titus County are additional property tax assessments issued when there are changes to property ownership, value, or improvements that occur after the regular tax roll is finalized. Common triggers include new construction completion, major renovations that increase property value, or corrections to assessed values discovered after the initial tax bills were issued.

When a supplemental assessment is issued, 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 you complete a $50,000 home addition in March and your total tax rate is 2.5%, you would owe a supplemental tax of approximately $1,250 ($50,000 × 0.025) prorated for the remaining 10 months of the tax year, resulting in a supplemental bill of about $1,041. Supplemental tax bills are typically issued within 30-60 days of the triggering event and follow the same payment schedule as regular property taxes.

Example Calculation

Example 1: $300,000 Home with Homestead

  • Market Value: $300,000
  • Homestead School Tax Credit Applied: -$100,000
  • School District Taxable Value: $200,000
  • County/Other Taxable Value: $300,000
  • Annual Tax: ~$5,700 | Monthly: ~$475

Example 2: $600,000 Home with Homestead + Senior Citizen Credit

  • Market Value: $600,000
  • Homestead School Credit: -$100,000
  • Additional Senior Credit (65+): -$10,000
  • School District Taxable Value: $500,000
  • County/Other Taxable Value: $590,000
  • Annual Tax: ~$13,800 | Monthly: ~$1,150

Example 3: $1,000,000 Commercial Property

  • Market Value: $1,000,000
  • No Homestead Credits Available
  • Full Taxable Value: $1,000,000
  • Annual Tax: ~$25,000 | Monthly: ~$2,083

All tax credits require annual application and approval. Calculations assume average combined tax rate of 2.5%. Actual rates vary by location within the county.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Titus County require property tax escrow accounts, collecting monthly payments equal to 1/12th of your annual property tax bill along with your mortgage payment. Lenders typically collect an initial escrow cushion of 2-3 months at closing to ensure adequate funds are available when tax payments are due.

Property taxes in Titus County are due in two installments: the first payment by September 1st and the second payment by December 1st of each tax year. Your mortgage servicer will make these payments on your behalf from your escrow account. After payment, you should receive a copy of the paid tax receipt for your records. If your tax bill changes due to assessment appeals or supplemental taxes, your lender will adjust your monthly escrow payment accordingly, typically providing 60 days notice of any payment changes as required by federal law.

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 Titus County? A: Property taxes for FY 2025-2026 are due in two installments: first payment by September 1, 2025, and second payment by December 1, 2025. Late payments incur penalties and interest charges.

Q: What is the Homestead tax credit and how do I apply? A: The Homestead credit provides a $100,000 exemption from school district taxes for your primary residence and caps annual assessment increases at 10%. You must file an application with the Titus County Appraisal District by April 30th following the year you purchase your home.

Q: Are there additional tax credits for seniors or disabled persons? A: Yes, residents 65+ or disabled individuals may qualify for additional tax credits that require separate applications. These include additional exemptions and potential tax ceiling (freeze) options. Applications must be filed by April 30th with the Appraisal District.

Q: How often are properties reassessed? A: The Titus County Appraisal District conducts annual assessments, with notices typically mailed in April. Properties with homestead protection are limited to maximum 10% annual assessment increases, while non-homestead properties can increase without caps.

Q: What is the penalty for late property tax payments? A: Penalties begin at 6% for payments received after the due date, increasing to 7% after 30 days late, plus 1% interest per month. Additional attorney fees may apply for severely delinquent accounts.

Q: Can I pay property taxes online? A: Yes, contact Tax Assessor-Collector Melissa Stevens at 903-577-6712 for online payment options and accepted payment methods.

Q: How do I appeal my property assessment? A: Assessment appeals must be filed with the Titus County Appraisal Review Board by May 31st (or within 30 days of receiving your notice, whichever is later). Contact the Appraisal District for appeal forms and procedures.

Q: Do special taxing districts affect my tax rate? A: Yes, your location determines which special districts serve your property (emergency services, hospital district, MUD, etc.). Each district adds to your total tax rate, which is why rates vary significantly across different areas of the county.

Verified Sources

Backed by 9 Official Government Sources

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

01
County
titus county fiscal year 2025-2026 adopted budget august 25 ...co.titus.tx.us
02
County
County Rates and Levies (XLSX)comptroller.texas.gov
03
Tax Doc
2025 Tax Rate Calculation Worksheet T...an School Districts ...co.titus.tx.us
04
County
* COA./ fe 1 - Titus Countyco.titus.tx.us
05
Tax Doc
96-1717 Handbook of Texas Property Tax Rulescomptroller.texas.gov
06
Application for Residence Homestead Exemptioncomptroller.texas.gov
07
County
Amendment Explanations.pdf - Titus Countyco.titus.tx.us
08
Bills Referred Today for 3/16/2023legis.state.tx.us
09
Tax Doc
Property Tax Today - Texas Comptrollercomptroller.texas.gov
All sources verified as of 2025 Tax Year

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