Harwood, Caldwell County, Texas Property Taxes
Median Harwood, TX effective property tax rate: 0.55%, significantly lower than the national median of 1.02%, but lower than the Texas state median of 1.67%.
Median Harwood, TX home value: $377,910
Median annual Harwood, TX tax bill: $2,325, $75 lower than the national median property tax bill of $2,400.
How are property taxes in Caldwell calculated?
Property taxes in Harwood, TX are calculated based on the tax assessed value, which is often lower than the actual market value due to property tax exemptions such as the homestead or senior exemption.
Understanding Harwood’s property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Harwood, knowing local tax details benefits homeowners and investors.
Last Updated March 1, 2025
Harwood, Caldwell County, Texas Property Tax Bill Calculator
$100,000
$1,500,000
$3,000,000
Median Effective Tax Rate
0.55%
Estimate Property Tax Bill
$2,079
$1,929
Property Tax Rates Across Harwood, Caldwell County, Texas
Local government entities determine tax rates, leading to significant variation within a state. Each county annually estimates its required budget for services and divides this by the total value of all taxable property in its jurisdiction, resulting in the property tax rate. While there are votes and laws involved in setting tax rates and budgets, this is the annual process in a nutshell.
In Harwood, Caldwell County, Texas, the effective property tax rate is notably lower than the national median of 1.02%. This rate reflects the county's approach to balancing budgetary needs with the value of taxable properties. Compared to other cities in Texas, Harwood's rate is competitive, aligning with the state's trend of maintaining lower tax rates.
For property owners, understanding these rates is crucial as they impact annual tax bills, which in Harwood are significantly below the national median of $2,400. This affordability can be a persuasive factor for residents and potential property buyers considering the financial implications of property ownership in the region.
Our median effective property tax rate (tax bill ÷ assessor's market value) accounts for exemptions and deductions, making it more accurate than the general median tax rate, which is the midpoint of statutory rates before adjustments.
Median Effective Harwood Tax Rate
0.55%
Our median effective property tax rate (tax bill ÷ assessor's market value) accounts for exemptions and deductions, making it more accurate than the general median tax rate, which is the midpoint of statutory rates before adjustments.
Median Effective Caldwell County Tax Rate
1.37%
Median Effective Texas Tax Rate
1.67%
Median Effective United States Tax Rate
1.02%
Property Tax Rates Across Harwood, Caldwell County, Texas
| Zip | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 78632 | 0.15% | 0.30% | 0.55% | 1.06% | 1.30% |
Source: Ownwell
Property Tax Assessment Values Across Harwood, Caldwell County, Texas
When examining property taxes in Harwood, TX, understanding the distinction between "market value" and "assessed value" is crucial. The market value is what a willing buyer would pay to a willing seller in an open and competitive market, often influenced by location, property condition, and economic market trends. The Caldwell County Appraisal District estimates the market value for tax purposes. The assessed value is the market value minus any applicable exemptions or limits determined by local laws and offerings. The tax assessed value is the figure used to calculate your property taxes or the amount multiplied by your tax rate to get your tax bill.
Assessment notices:
In Caldwell County, assessment notices are sent in the spring each year. They’ll typically reach your mailbox by the middle of April. Each property owner receives an assessment notice that contains both the market value and assessed value, along with an estimate of your property tax bill. By providing insights into how assessed and market values are determined, this section helps property owners navigate their tax responsibilities and understand the valuation processes affecting their property taxes in Harwood.
For example, the median home price in Harwood is $377,910, with tax bills ranging significantly across the county. 78632 has the highest median home price at $377,910.
Property Tax Assessment Values Across Harwood, Caldwell County, Texas
Source: Ownwell
$140,720
$523,675
$906,630
Median Harwood Market Value
$377,910
Median Caldwell County Market Value
$238,560
Median Texas Market Value
$247,950
Median United States Market Value
$235,294
Property Tax Assessment Values Across Harwood, Caldwell County, Texas
| Zip | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 78632 | $55,000 | $120,280 | $377,910 | $665,850 | $1,109,700 |
Source: Ownwell
Property Tax Bills Across Harwood, Caldwell County, Texas
Median Harwood Tax Bill
$2,325
Median Caldwell County Tax Bill
$2,989
Median Texas Tax Bill
$3,971
Median United States Tax Bill
$2,400
Property Tax Bills Across Harwood, Caldwell County, Texas
| Zip | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 78632 | $218 | $580 | $2,325 | $4,308 | $6,888 |
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 |