Comal County, Texas Property Taxes
Median Comal County effective property tax rate: 1.46%, significantly higher than the national median of 1.02%.
Median Comal County home value: $414,440
Median annual Comal County tax bill: $5,871, $3,471 higher than the national median property tax bill of $2,400.
How are property taxes in Comal County calculated?
Property taxes in Comal County 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 your county's property tax system, exemptions, and reduction opportunities can lead to significant savings. Whether you live in New Braunfels or another part of Comal County, knowing local tax details benefits homeowners and investors.
Last Updated March 1, 2025
Comal County, Texas Property Tax Bill Calculator
$100,000
$1,500,000
$3,000,000
Median Effective Tax Rate
1.46%
Estimate Property Tax Bill
$6,051
$5,615
$1,102
Average Tax Savings
Property Tax Rates Across Comal County, Texas
Local government entities in Texas set tax rates, which can vary widely within the state. Each year, counties estimate their required budget to provide services and divide that by the total value of all taxable property within their jurisdiction, resulting in the property tax rate. While votes and laws play a role in setting these rates and budgets, this is the annual process in a nutshell.
You can compare Comal County's effective property tax rate to other counties in Texas or the U.S. median property tax rate. Comal County has a median property tax rate of 1.46%, which is higher than the national median of 1.02%. This rate is indicative of the county's budgetary needs and the value of taxable properties. In Texas, there is a notable range in property tax rates, with Cibolo having the highest median rate at 1.79%, while Blanco has the lowest at 0.97%. Understanding these differences can help property owners make informed decisions regarding their property tax obligations.
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 Comal County Tax Rate
1.46%
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 Texas Tax Rate
1.67%
Median Effective United States Tax Rate
1.02%
Property Tax Rates Across Comal County, Texas
City | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
---|---|---|---|---|---|
Bergheim | N/A | N/A | N/A | N/A | N/A |
Blanco | 0.19% | 0.42% | 0.97% | 1.49% | 1.49% |
Boerne | 1.09% | 1.21% | 1.40% | 1.53% | 1.57% |
Bulverde | 1.09% | 1.27% | 1.53% | 2.07% | 2.38% |
Canyon Lake | 0.74% | 0.97% | 1.38% | 1.49% | 1.49% |
Cibolo | 1.60% | 1.64% | 1.79% | 1.85% | 1.85% |
Fair Oaks Ranch | 1.37% | 1.39% | 1.42% | 1.57% | 1.57% |
Fischer | 0.70% | 0.99% | 1.13% | 1.49% | 1.49% |
Garden Ridge | 1.10% | 1.16% | 1.35% | 1.44% | 1.68% |
Marion | N/A | N/A | N/A | N/A | N/A |
New Braunfels | 1.04% | 1.26% | 1.49% | 1.73% | 1.77% |
San Antonio | 1.10% | 1.29% | 1.44% | 1.50% | 1.66% |
San Marcos | 0.75% | 0.99% | 1.32% | 1.49% | 1.49% |
Schertz | 1.48% | 1.64% | 1.78% | 1.85% | 1.85% |
Selma | N/A | N/A | N/A | N/A | N/A |
Spring Branch | 0.85% | 1.06% | 1.23% | 1.49% | 1.49% |
Wimberley | 0.25% | 0.48% | 1.15% | 1.49% | 1.49% |
Source: Ownwell
$1,102
Average Comal County Tax Savings
Save on your property taxes & more with Ownwell
Property Tax Assessment Values Across Comal County, Texas
When examining property taxes in Comal County, 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 Comal 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 Comal 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 Comal County.
For example, the median tax bill in Comal County is $5,500, with tax bills ranging significantly across the county. Garden Ridge has the highest median home price at $863,470.
Median Comal County Market Value
$414,440
Median Texas Market Value
$247,950
Median United States Market Value
$235,294
Property Tax Assessment Values Across Comal County, Texas
City | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
---|---|---|---|---|---|
Bergheim | N/A | N/A | N/A | N/A | N/A |
Blanco | $63,360 | $245,975 | $421,495 | $810,215 | $1,903,535 |
Boerne | $348,144 | $489,545 | $705,430 | $814,530 | $930,517 |
Bulverde | $245,730 | $354,922 | $467,172 | $642,078 | $885,909 |
Canyon Lake | $53,093 | $123,565 | $310,295 | $533,820 | $853,535 |
Cibolo | $253,554 | $298,270 | $350,210 | $409,515 | $451,204 |
Fair Oaks Ranch | $464,181 | $554,692 | $605,341 | $659,028 | $698,395 |
Fischer | $129,910 | $335,810 | $455,670 | $556,242 | $740,325 |
Garden Ridge | $581,725 | $752,410 | $863,470 | $1,000,098 | $1,144,478 |
Marion | N/A | N/A | N/A | N/A | N/A |
New Braunfels | $167,177 | $287,048 | $404,274 | $620,328 | $916,737 |
San Antonio | $309,456 | $551,705 | $725,000 | $882,290 | $1,090,114 |
San Marcos | $61,685 | $193,212 | $372,925 | $609,785 | $984,595 |
Schertz | $38,674 | $270,318 | $329,905 | $409,790 | $462,061 |
Selma | N/A | N/A | N/A | N/A | N/A |
Spring Branch | $69,260 | $176,435 | $467,560 | $763,915 | $991,510 |
Wimberley | $180,206 | $233,888 | $422,935 | $1,232,355 | $2,716,563 |
Source: Ownwell
$1,102
Average Comal County Tax Savings
Save on your property taxes & more with Ownwell
Property Tax Bills Across Comal County, Texas
Median Comal County Tax Bill
$5,871
Median Texas Tax Bill
$3,971
Median United States Tax Bill
$2,400
Property Tax Bills Across Comal County, Texas
City | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
---|---|---|---|---|---|
Bergheim | N/A | N/A | N/A | N/A | N/A |
Blanco | $493 | $1,178 | $3,995 | $6,042 | $7,401 |
Boerne | $4,091 | $6,257 | $9,561 | $11,706 | $13,468 |
Bulverde | $3,135 | $5,520 | $7,691 | $10,354 | $12,867 |
Canyon Lake | $571 | $1,431 | $3,692 | $6,408 | $10,327 |
Cibolo | $4,557 | $5,235 | $6,256 | $7,113 | $7,684 |
Fair Oaks Ranch | $7,061 | $8,157 | $8,791 | $9,404 | $10,069 |
Fischer | $1,140 | $3,629 | $5,255 | $7,043 | $8,532 |
Garden Ridge | $6,773 | $9,487 | $11,375 | $13,039 | $15,664 |
Marion | N/A | N/A | N/A | N/A | N/A |
New Braunfels | $2,057 | $4,287 | $6,013 | $8,620 | $11,587 |
San Antonio | $3,444 | $7,603 | $10,150 | $12,446 | $14,737 |
San Marcos | $514 | $1,489 | $3,878 | $5,785 | $9,823 |
Schertz | $506 | $4,665 | $5,504 | $6,425 | $7,491 |
Selma | N/A | N/A | N/A | N/A | N/A |
Spring Branch | $775 | $2,004 | $5,531 | $9,372 | $12,158 |
Wimberley | $1,337 | $2,559 | $3,642 | $8,267 | $12,845 |
Source: Ownwell
$1,102
Average Comal County Tax Savings
Save on your property taxes & more with Ownwell
Want to lower your Comal County property taxes?
Property Tax Protests in Texas
The property tax protest process in Comal County, TX, offers homeowners an opportunity to challenge their property tax assessments. This process begins when homeowners receive their property tax assessment notice, which details the assessed value of their property. If homeowners believe their property has been over-assessed, they can file an appeal with the Comal County Appraisal District. The appeal must be submitted by the deadline specified on the assessment notice, usually within 30 days of receiving the notice.
Once the appeal is filed, the next step involves compiling evidence to support the claim that the assessed value is too high. This evidence can include recent sales data of comparable properties, independent appraisals, and photographs showing any discrepancies or issues with the property. Homeowners then present their case at a hearing before the Appraisal Review Board (ARB), an independent panel that listens to property tax disputes.
The potential outcomes of the appeal process can vary. If the ARB agrees with the homeowner's evidence, they may lower the assessed value, resulting in a reduced property tax bill. Alternatively, if the board finds the assessment to be accurate, the original assessed value will stand.
Ownwell can assist homeowners throughout this process by providing expert guidance and representation. Our team of property tax consultants helps gather and analyze relevant data, prepares compelling evidence, and represents homeowners during the ARB hearing. With Ownwell's expertise, homeowners can navigate the complexities of the property tax protest process with confidence, increasing their chances of a favorable outcome.
Exemptions in Texas
In Comal County, Texas, homeowners can benefit from various property tax exemption programs, particularly for their primary residences. One of the most common exemptions is the Homestead Exemption, which provides a reduction in the assessed value of a homeowner's primary residence, leading to lower property taxes. To qualify, the homeowner must occupy the property as their primary residence as of January 1st of the tax year.
Another significant exemption is the Over-65 Exemption, designed for senior citizens. It offers additional tax relief to homeowners aged 65 and older, reducing their property tax burden. Similarly, the Disabled Person Exemption is available for homeowners with disabilities, providing similar benefits to those who meet specific criteria.
Veterans and their surviving spouses may also qualify for exemptions. The Disabled Veterans Exemption offers varying levels of tax reductions based on the veteran's disability rating. Additionally, the Surviving Spouse of a Veteran Exemption extends benefits to the spouses of deceased veterans.
To apply for these exemptions, homeowners must submit the appropriate forms to the Comal County Appraisal District, typically with proof of eligibility. Ownwell can assist homeowners in navigating this process, ensuring they maximize their potential savings. By understanding and applying for the relevant exemptions, homeowners can significantly reduce their property tax liabilities.
Available Exemptions
Senior
Disabled
Home Stead
Veteran
Solar/Wind
Non-Profit
Don't miss the deadline to protest!
Dates | |
---|---|
Appeal Deadline | May 15 |
Tax Bill | |
Issued | October 1 |
Due Date #1 | January 31 |
Links | |
---|---|
Comal Appraisal District | |
Website | esearch.comalad.org |
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