Owning
Exemption savings
What each Texas property-tax exemption keeps in your pocket, unit by unit, at your county's actual rates. Filing is free.
One or the other from each taxing unit — the law does not let the same unit give both.
Tax rates per $100 — typical for Harris County, 2025 adopted, from our tax-roll research. Edit to match your bill.
- Houston ISD, the county's largest. Cypress-Fairbanks ISD is 1.0669; Katy, Klein, Spring, Tomball and Cy-Fair all differ — use the ISD line on your bill.
- The five county-wide units that share the 20% homestead option. The county's own 65+/disabled amount was not read on an official page — enter it from your bill.
- Houston's 20% local option is widely reported but not confirmed on a city page; set to 0 if you live outside a city.
- County-wide college district only. A MUD (common in Cypress and the newer suburbs) adds $0.40–$1.00 more — add yours here.
You keep, every year
$2,033 /yr
- School district — tax after
- $1,844
- County — tax after
- $1,761
- City — tax after
- $1,454
- Other districts — tax after
- $371
- Total tax without the exemption
- $7,463
- Total tax with it
- $5,430
The $140,000 school amount is state law and the same everywhere in Texas. The percentage and 65+ amounts are each unit's own choice, which is why the county matters here.
Not sure which units tax you? Your bill lists every one, and so does the appraisal district's property record.
| Taxing unit | Rate | Exemption applied | Taxable value | Tax without | Tax with | You save |
|---|---|---|---|---|---|---|
| School district | 0.8783 | $140,000 homestead | $210,000 | $3,074 | $1,844 | $1,230 |
| County | 0.6289 | 20% local option | $280,000 | $2,201 | $1,761 | $440 |
| City | 0.5192 | 20% local option | $280,000 | $1,817 | $1,454 | $363 |
| Other districts | 0.1060 | none | $350,000 | $371 | $371 | $0 |
| Total | 2.1324 | $7,463 | $5,430 | $2,033 |
Budgetary estimate, not a tax bill. Rates are the 2025 adopted figures for the largest units in each county from our tax-roll research; yours are on your bill and the appraisal district decides what you qualify for. Filing is free — never pay a service to file an exemption. Allen helps every client file after closing.
Talk to a lender
These are the lenders Allen works with. For any lender you’d like to talk to, tap Make introduction — we’ll make the introduction for you.
Zin Team
Zin Mortgage Group
Reilly Hupfeldt
Orca Home Loans
Cindy West
Matador Lending
Gary Warstler
Rocket Mortgage
Allen Markel is a licensed Texas REALTOR®, not a mortgage lender or loan originator. He does not quote rates or terms and does not decide whether you qualify — only a lender can do that. Introductions are a courtesy; you choose who to work with.
Numbers raising questions? Walk through them with a person.
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