Caldwell County Property Taxes
The median property tax rate in Caldwell County is 1.37%, which is significantly higher than the national median of 0.99% but lower than the Texas state median of 1.67%. With the median home value in Caldwell County at $238,560, the typical annual property tax bill reaches $2,989, surpassing the national median of $2,690. Property taxes in Caldwell County are calculated based on the tax assessed value, which generally falls below the actual market value due to various property tax exemptions like the primary residence and agricultural exemptions. Understanding Caldwell County's specific property tax system, exploring available exemptions, and identifying opportunities for property tax reductions can provide significant annual savings. Whether you live in Lockhart or another part of Caldwell County, gaining a comprehensive knowledge of local property taxes will benefit both homeowners and real estate investors.
Last Updated June 14, 2024
Caldwell County Property Tax Bill Calculator
$100,000
$1,500,000
$3,000,000
Average Tax Rate
1.37%
Estimate Property Tax Bill
$3,268
$3,024
Ownwell’s Caldwell County Property Tax Bill Calculator allows homeowners, real estate investors, and potential buyers to estimate their annual property taxes in Caldwell County with just two data points. By entering your property's estimated assessed value, our calculator applies the median tax rate in Caldwell County to estimate your property tax bill. This valuable tool helps you understand potential tax liabilities. If you’d like to see trends on a city level, scroll down to navigate to a more localized informational page. Your property's assessed value is the value assigned by your county for property tax calculations and takes into account any exemptions you may have on your property.
Property Tax Rates Across Caldwell County, Texas
Property taxes in Caldwell County play a crucial role in funding essential local services like public schools, road maintenance, and emergency services. The median tax rate in Caldwell County is 1.37%, which is higher than both the Texas state median of 1.80% and the U.S. national median of 0.99%. Local government entities within Caldwell County set these rates annually, and they can vary significantly between different areas within the county. Each year, Caldwell County estimates its required budget to maintain services for the upcoming fiscal year, and divides this budget by the total value of all taxable property in the jurisdiction, resulting in the property tax rate. Although tax rates and budgets are influenced by laws and voter input, this calculation forms the basic process for setting property tax rates. The following data compares Caldwell County's effective property tax rate with other counties in Texas and the national median. For comparison, the city of Kyle has one of the higher property tax rates in Texas at 1.63%, while the city of Harwood boasts one of the lowest at 0.55%. Analyzing how Caldwell County's tax rates stack up against these benchmarks can give homeowners a better understanding of the local tax landscape.
Average Caldwell County Tax Rate
1.37%
Average Texas Tax Rate
1.67%
Average United States Tax Rate
0.99%
Property Tax Rates Across Caldwell County, Texas
| City | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| Buda | 0.68% | 1.01% | 1.49% | 1.75% | 1.79% |
| Dale | 0.49% | 0.85% | 1.22% | 1.53% | 1.53% |
| Fentress | 0.43% | 0.83% | 1.11% | 1.42% | 1.51% |
| Harwood | 0.15% | 0.30% | 0.55% | 1.06% | 1.30% |
| Kyle | 0.63% | 1.11% | 1.63% | 1.85% | 1.95% |
| Lockhart | 0.67% | 1.05% | 1.46% | 1.94% | 1.99% |
| Luling | 0.53% | 1.01% | 1.38% | 1.75% | 1.78% |
| Martindale | 0.48% | 1.11% | 1.52% | 1.60% | 1.88% |
| Maxwell | 0.28% | 0.61% | 1.07% | 1.53% | 1.56% |
| Niederwald | 0.28% | 0.75% | 1.12% | 1.51% | 1.63% |
| Prairie Lea | 0.51% | 0.90% | 1.12% | 1.42% | 1.42% |
| Red Rock | 0.21% | 0.46% | 0.91% | 1.42% | 1.43% |
| Rosanky | N/A | N/A | N/A | N/A | N/A |
| San Marcos | 0.23% | 0.30% | 1.05% | 1.52% | 1.56% |
| Uhland | 0.31% | 0.45% | 1.18% | 1.70% | 1.85% |
| Waelder | 0.12% | 0.19% | 0.36% | 0.68% | 0.93% |
Source: Ownwell
Property Tax Assessment Values Across Caldwell County, Texas
In Caldwell County, understanding the difference between "market value" and "assessed value" is key to comprehending property taxes. The market value represents the price a willing buyer would pay to a willing seller in an open, competitive market, considering location, property condition, and current economic trends. For tax purposes, this value is estimated by the Caldwell County Appraisal District. The assessed value, however, is the market value minus any applicable exemptions or limits based on local laws and available programs. The assessed value is then used to calculate your property taxes by multiplying it by the combined tax rates of all relevant taxing entities. Assessment notices in Caldwell County are typically mailed in the spring, usually by the middle of April. These notices provide homeowners with both the market and assessed values, along with an estimate of the annual property tax bill. By distinguishing between these valuation concepts, property owners can better navigate their tax responsibilities and understand how their property taxes are affected. For instance, Lockhart has the highest median tax bill at $4,067, while Fentress has the lowest at $1,554. Being aware of these valuation processes in Caldwell County will help you identify opportunities for appealing assessments or applying for exemptions to manage your tax burden more effectively.
Average Caldwell County Assessed Value
$238,560
Average Texas Assessed Value
$247,950
Average United States Assessed Value
$244,900
Property Tax Assessment Values Across Caldwell County, Texas
| City | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| Buda | $86,393 | $126,730 | $242,385 | $370,768 | $677,816 |
| Dale | $41,690 | $81,322 | $188,375 | $396,405 | $670,875 |
| Fentress | $23,592 | $59,842 | $140,720 | $285,730 | $491,101 |
| Harwood | $55,000 | $120,280 | $377,910 | $665,850 | $1,109,700 |
| Kyle | $94,036 | $131,435 | $161,560 | $250,025 | $414,346 |
| Lockhart | $70,000 | $161,060 | $287,570 | $401,975 | $620,642 |
| Luling | $42,567 | $104,710 | $195,430 | $300,870 | $511,594 |
| Martindale | $46,780 | $102,620 | $278,450 | $406,475 | $559,986 |
| Maxwell | $33,141 | $57,845 | $145,505 | $309,130 | $576,175 |
| Niederwald | $42,828 | $129,230 | $352,220 | $648,555 | $1,229,504 |
| Prairie Lea | $43,575 | $84,710 | $176,190 | $270,980 | $443,064 |
| Red Rock | $70,390 | $137,940 | $365,835 | $653,165 | $1,053,745 |
| Rosanky | N/A | N/A | N/A | N/A | N/A |
| San Marcos | $24,617 | $42,848 | $178,390 | $354,590 | $790,538 |
| Uhland | $56,764 | $112,750 | $228,080 | $552,995 | $759,778 |
| Waelder | $176,816 | $632,570 | $906,630 | $1,505,710 | $1,821,040 |
Source: Ownwell
Property Tax Bills Across Caldwell County, Texas
In Caldwell County, TX, property tax bills are calculated based on the assessed value of a home, which is determined by the county appraisal district. This assessed value is then multiplied by the local tax rate to determine the annual tax bill. Homeowners in Caldwell County experience a range of tax bills, with the 25th percentile paying around $1,309 and the 75th percentile facing bills up to $5,031. Those in the 90th percentile can see tax bills as high as $6,955. Factors influencing the tax bill include the market value of the property, exemptions for which the homeowner may qualify, and the specific tax rates set by local taxing entities such as school districts and municipalities. For instance, homeowners in Lockhart face the highest median tax bills in the county, averaging $4,067, while those in Fentress pay the lowest median tax bills at $1,554. These property taxes can significantly impact homeowners, affecting their monthly budgets and overall cost of living.
Average Caldwell County Tax Bill
$2,989
Average Texas Tax Bill
$3,971
Average United States Tax Bill
$2,690
Property Tax Bills Across Caldwell County, Texas
| City | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| Buda | $576 | $1,675 | $3,370 | $5,387 | $8,658 |
| Dale | $326 | $897 | $2,088 | $4,314 | $6,515 |
| Fentress | $165 | $568 | $1,554 | $3,070 | $5,297 |
| Harwood | $218 | $580 | $2,325 | $4,308 | $6,888 |
| Kyle | $710 | $1,681 | $2,583 | $4,019 | $5,811 |
| Lockhart | $752 | $2,070 | $4,067 | $5,884 | $7,671 |
| Luling | $523 | $1,285 | $2,580 | $3,957 | $5,295 |
| Martindale | $414 | $1,291 | $3,729 | $5,835 | $7,377 |
| Maxwell | $126 | $409 | $1,670 | $3,656 | $5,937 |
| Niederwald | $275 | $1,631 | $3,441 | $5,575 | $8,083 |
| Prairie Lea | $223 | $1,006 | $1,958 | $3,056 | $4,593 |
| Red Rock | $571 | $1,104 | $2,749 | $4,912 | $6,979 |
| Rosanky | N/A | N/A | N/A | N/A | N/A |
| San Marcos | $56 | $194 | $2,153 | $4,184 | $6,486 |
| Uhland | $178 | $890 | $2,923 | $6,421 | $9,670 |
| Waelder | $770 | $1,377 | $2,295 | $6,102 | $7,872 |
Source: Ownwell
Don't miss the deadline to protest!
Dates | |
|---|---|
| Appeal Deadline | May 15 |
| Tax Bill | |
| Issued | October 1 |
| Due Date #1 | November 30 |
| Due Date #2 | June 30 |
Links | |
|---|---|
| Caldwell Appraisal District | |
| Website | esearch.caldwellcad.org |