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Schertz, Comal County, Texas Property Taxes

  • Median Schertz, TX effective property tax rate: 1.78%, significantly higher than the national median of 1.02%, but lower than the Texas state median of 1.67%.

  • Median Schertz, TX home value: $329,905

  • Median annual Schertz, TX tax bill: $5,504, $3,104 higher than the national median property tax bill of $2,400.

How are property taxes in Comal County calculated?

Property taxes in Schertz, 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 Schertz’s property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Schertz, knowing local tax details benefits homeowners and investors.

Last Updated March 1, 2025

Schertz, Comal County, Texas Property Tax Bill Calculator

$100,000

$1,500,000

$3,000,000

Median Effective Tax Rate

1.78%

Estimate Property Tax Bill

$5,872

$5,449

SAVE WITH OWNWELL

$1,102

Average Tax Savings

Ownwell’s Schertz Property Tax Bill Calculator empowers homeowners, real estate investors, and potential buyers to estimate their annual property taxes in Schertz with just two data points. By entering your property's estimated assessed value, our calculator applies Schertz’s median effective tax rate to accurately estimate your property tax bill. Note that your property's assessed value — determined by your county — reflects any exemptions you may have, ensuring a more precise calculation for your property tax obligations. This insightful tool helps you understand potential tax liabilities and highlights how Ownwell can assist in reducing property taxes in Comal. For those interested in more localized information, please scroll down to explore city-level trends!

Property Tax Rates Across Schertz, Comal County, Texas

Local government entities set tax rates, which can vary widely within a state. Each county estimates its required budget to provide services and divides that by the total value of all taxable property within its jurisdiction. This calculation results in the property tax rate. While there are votes and laws involved in setting tax rates and budgets, in a nutshell, this is the annual process.

Below, you can compare Schertz’s effective property tax rate to other cities in Texas and the median property tax rates in Texas and the U.S. Schertz, located in Comal County, has a median property tax rate that stands at 1.78%, which is notably higher than the national median of 1.02%. Within Schertz, the zip code 78154 has the highest median tax rate of 1.85%, while the lowest is 1.77% in the zip code 78108. This places Schertz above the national average, reflecting the diverse range of tax rates across the state. Understanding these rates is crucial for property owners looking to manage their tax liabilities effectively.

Property Tax Rates Across Schertz, Comal County, Texas

Source: Ownwell

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0.21%

1.03%

1.85%

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 Schertz Tax Rate

1.78%

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%

Median Effective Texas Tax Rate

1.67%

Median Effective United States Tax Rate

1.02%

Property Tax Rates Across Schertz, Comal County, Texas

Zip10th Percentile25th PercentileMedian Tax Rate75th Percentile90th Percentile
781081.50%1.64%1.77%1.85%1.85%
78132N/AN/AN/AN/AN/A
781540.55%1.85%1.85%1.85%1.85%

Source: Ownwell

Property Tax Assessment Values Across Schertz, Comal County, Texas

When examining property taxes in Schertz, 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 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.

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 Schertz.

For example, the median home price in Schertz is $329,905, with tax bills ranging significantly across the county. The zip code 78108 has the highest median home price at $340,455.

Property Tax Assessment Values Across Schertz, Comal County, Texas

Source: Ownwell

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$30,865

$447,168

$863,470

Median Schertz Market Value

$329,905

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 Schertz, Comal County, Texas

Zip10th Percentile25th PercentileMedian Home Price75th Percentile90th Percentile
78108$263,300$296,808$340,455$418,480$462,015
78132N/AN/AN/AN/AN/A
78154$10,750$10,875$30,865$51,165$312,539

Source: Ownwell

Property Tax Bills Across Schertz, Comal County, Texas

In Schertz, TX, property tax bills are calculated based on the assessed value of a home. The median home price in the area is $329,905, and the tax rate is determined by local taxing authorities. Homeowners in Schertz face a median property tax bill of $5,752 in the 78108 zip code, significantly higher than the national median of $2,400. Factors such as the property's location within Comal County and the specific tax rate set by local jurisdictions influence the final tax bill. For example, tax bills range from $4,665 at the 25th percentile to as high as $7,491 at the 90th percentile, reflecting the area's varying property values and tax rates. These tax bills can place a considerable financial burden on homeowners. Ownwell can assist homeowners in Schertz by providing expert property tax appeal and exemption services. By analyzing the assessed value and ensuring it aligns with the market value, Ownwell helps homeowners potentially reduce their property tax bills, offering significant savings.

Property Tax Bills Across Schertz, Comal County, Texas

Source: Ownwell

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$517

$5,946

$11,375

Median Schertz Tax Bill

$5,504

Median Comal County Tax Bill

$5,871

Median Texas Tax Bill

$3,971

Median United States Tax Bill

$2,400

Property Tax Bills Across Schertz, Comal County, Texas

Zip10th Percentile25th PercentileMedian Tax Bill75th Percentile90th Percentile
78108$4,585$5,005$5,752$6,685$7,590
78132N/AN/AN/AN/AN/A
78154$176$200$517$744$2,640

Source: Ownwell

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