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Updated 2025 Tax Year

Wharton County
Property Tax Guide

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

10 Official Sources
8 min read
Quick Facts
Tax Rate
2.5-3.2% of assessed value (varies by district - county, school, city, special districts combined)
1st Due
Jan 31
Exemptions
5+ Available
Section 1

How Property Tax Works

Wharton 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 purpose districts. Property taxes in Wharton County fund essential services including public education, county operations, emergency services, road maintenance, and various municipal services. The effective tax rate for properties in Wharton County varies significantly based on location within the county, as residents pay taxes to multiple overlapping jurisdictions including the county, school districts, cities, and special districts.

For the 2025 tax year, the combined property tax rates in Wharton County typically range from approximately 2.5% to 3.2% of assessed value, depending on the specific taxing jurisdictions where a property is located. The county itself levies a rate of 1.04960% for FY 2025, but property owners also pay taxes to school districts, municipalities, and special districts that can add substantially to the total tax burden. Texas law requires property to be assessed at market value, though various tax credits and the homestead assessment growth cap can reduce the actual tax liability for qualifying property owners.

Section 2

What Makes Up Your Tax Bill

ComponentRateDescription
Wharton County1.04960%County operations, maintenance, and debt service for FY 2025
School Districts1.00-1.30%Varies by district (Wharton ISD, Boling ISD, etc.) - includes M&O and I&S components
Cities/Towns0.40-0.80%Municipal services - varies by city (Wharton, El Campo, etc.)
Emergency Services Districts0.05-0.10%Fire and EMS services where applicable
Water/Utility Districts0.02-0.15%Municipal utility districts and water control districts
Other Special Districts0.01-0.05%Hospital districts, community college districts, etc.

Total Combined Rate Range: 2.52% - 3.44% (varies significantly by location within county)

Note: Rates shown are for FY 2025 and vary by specific location within Wharton County. Properties may be subject to additional special district taxes not listed above. Contact the Wharton County Appraisal District for your specific tax rate combination.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Wharton 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 Wharton County are additional tax assessments that occur when there are mid-year changes to a property's assessed value or ownership. The most common triggers include new construction completion, major improvements or additions, ownership transfers that remove existing exemptions, or corrections to previous assessments. Unlike the regular annual tax bill, supplemental taxes are prorated based on the number of months remaining in the tax year after the triggering event occurs.

Supplemental taxes are calculated by determining the difference between the old and new assessed values, applying the appropriate tax rate, and prorating for the remaining months in the tax year. For example, if a $100,000 home addition is completed in April, and the total tax rate is 3.0%, the supplemental tax would be approximately $2,250 ($100,000 × 3.0% × 9/12 months). These supplemental bills are typically issued 30-60 days after the triggering event and have separate due dates from regular property tax bills.

Example Calculation

Example 1: $300,000 Home with Homestead

  • Market Value: $300,000
  • School District Homestead Exemption: -$100,000
  • Net Taxable Value: $200,000
  • Combined Tax Rate: 2.80%
  • Annual Tax: $5,600
  • Monthly (if escrowed): $467

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

  • Market Value: $600,000
  • School District Homestead Exemption: -$100,000
  • Additional Over-65 Exemptions: -$20,000
  • Net Taxable Value: $480,000
  • Combined Tax Rate: 2.80%
  • Annual Tax: $13,440
  • Monthly (if escrowed): $1,120

Example 3: $1,000,000 Investment Property

  • Market Value: $1,000,000
  • No Exemptions Applied: $0
  • Net Taxable Value: $1,000,000
  • Combined Tax Rate: 2.80%
  • Annual Tax: $28,000
  • Monthly (if escrowed): $2,333

Note: All exemptions require separate applications and approval. Tax rates vary by location within Wharton County. Examples assume a mid-range combined rate.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Wharton County require property tax escrow accounts for borrowers with less than 20% equity. The lender collects monthly escrow payments equal to 1/12 of the estimated annual property tax bill, holds these funds in a separate account, and pays the tax bills directly to the county when due. Lenders typically analyze escrow accounts annually and adjust monthly payments based on actual tax bills and projected changes in assessed values or tax rates.

Property owners with escrow accounts should verify that their lenders have received and paid all tax installments on time, as the property owner remains ultimately responsible for tax payment regardless of escrow arrangements. The Wharton County Tax Collector provides online account access where property owners can verify payment status. If your lender fails to pay taxes from escrow, you may face penalties and interest charges, though you have legal recourse against the lender for any damages resulting from their failure to pay from properly funded escrow accounts.

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 Wharton County for the current fiscal year? A: For FY 2025, property taxes can be paid in four installments: 1st payment by January 31, 2nd payment by March 31, 3rd payment by May 31, and 4th payment by July 31. You can also pay the full amount by January 31 without penalty.

Q: What tax credits are available and do I need to apply? A: Most tax credits require separate applications, including the $100,000 school district homestead exemption, over-65 exemptions, disability exemptions, and veteran exemptions. Applications must typically be filed with the Wharton County Appraisal District by April 30 of the tax year.

Q: How does the homestead exemption work? A: The homestead exemption provides a $100,000 reduction in taxable value for school district taxes and caps assessment increases at 10% annually. This is an exemption that reduces assessed value, not a credit that reduces taxes directly. You must apply with the appraisal district and re-qualify annually.

Q: When are properties reassessed and can I appeal? A: Properties are reassessed annually as of January 1. Property owners receive notices of appraised value by May 15 and can protest through the Wharton County Appraisal Review Board. Protest deadlines are typically 30 days after the notice date or May 15, whichever is later.

Q: What are the penalties for late payment? A: Late payments incur penalty and interest charges. Penalties start at 6% for payments 1-30 days late, increasing to 12% after July 1, plus 1% interest per month. Additional attorney and collection fees may apply for severely delinquent accounts.

Q: Can I pay property taxes online? A: Yes, Wharton County offers online payment options through their official website. Credit card, debit card, and electronic check payments are typically accepted, though convenience fees may apply for card payments.

Q: Why do tax rates vary within Wharton County? A: Properties pay taxes to multiple jurisdictions including the county, school districts, cities, and special districts. Since these boundaries don't align perfectly, properties in different areas pay different combinations of taxes, resulting in varying total tax rates across the county.

Q: What happens if I disagree with my property assessment? A: You can file a formal protest with the Wharton County Appraisal Review Board within 30 days of receiving your notice of appraised value. The protest process includes an informal review and, if necessary, a formal hearing where you can present evidence supporting your position on the property's value.

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