Commerce, Delta County, Texas Property Taxes

Name: Property Tax Bills Across Commerce, Delta County, Texas
Creator: Ownwell
License: https://creativecommons.org/licenses/by-nc/4.0/

Median Commerce, TX effective property tax rate: 1.82%, significantly higher than the national median of 1.02%, but lower than the Texas state median of 1.67%.
Median Commerce, TX home value: $184,760
Median annual Commerce, TX tax bill: $2,503, $103 higher than the national median property tax bill of $2,400.

How are property taxes in Delta County calculated?

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

Last Updated March 1, 2025

Commerce, Delta County, Texas Property Tax Bill Calculator

Property Assessed Value

$100,000

$1,500,000

$3,000,000

Median Effective Tax Rate

1.82%

Estimate Property Tax Bill

$3,363

$3,120

Ownwell’s Commerce Property Tax Bill Calculator empowers homeowners, real estate investors, and potential buyers to estimate their annual property taxes in Commerce with just two data points. By entering your property's estimated assessed value, our calculator applies Commerce’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 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 Delta County. For those interested in more localized information, please scroll down to explore city-level trends!

Property Tax Rates Across Commerce, Delta County, Texas

Local government entities determine tax rates, which can differ significantly within a state. This is because each year, counties estimate their budgetary needs for services and divide this by the total value of all taxable properties in their area, resulting in the property tax rate. Although votes and laws play a role in setting these rates and budgets, this is essentially how the annual process works.

In Commerce, located in Delta County, TX, the effective property tax rate stands at 1.82%, which is notably higher than the national median of 1.02%. Compared to other cities in Texas, Commerce’s rate is among the highest, highlighting the variability in tax rates across different regions. The median property tax bill here also surpasses the national median of $2,400, reflecting the higher rate. Understanding these rates is crucial for property owners looking to manage their tax liabilities effectively. By comparing Commerce’s effective property tax rate to other cities in Texas and the national median, property owners can better gauge their tax situation and explore potential savings through appeals or exemptions.

Property Tax Rates Across Commerce, Delta County, Texas

Source: Ownwell

1.55%

2.01%

2.46%

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 Commerce Tax Rate

1.82%

Median Effective Delta County Tax Rate

2.34%

Median Effective Texas Tax Rate

1.67%

Median Effective United States Tax Rate

1.02%

Property Tax Rates Across Commerce, Delta County, Texas

Zip	10th Percentile	25th Percentile	Median Tax Rate	75th Percentile	90th Percentile
75428	0.73%	1.28%	1.82%	2.46%	2.46%

Source: Ownwell

Property Tax Assessment Values Across Commerce, Delta County, Texas

When examining property taxes in Commerce, 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 Delta 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 Delta County, assessment notices are sent in the spring each year. They’ll typically reach your mailbox by the middle of May. 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 Commerce. For example, the median home price in Commerce is $184,760, with tax bills ranging significantly across the county. ZIP code 75428 has the highest median home price at $184,760.

Property Tax Assessment Values Across Commerce, Delta County, Texas

Source: Ownwell

$55,745

$143,418

$231,090

Median Commerce Market Value

$184,760

Median Delta County Market Value

$122,915

Median Texas Market Value

$247,950

Median United States Market Value

$235,294

Property Tax Assessment Values Across Commerce, Delta County, Texas

Zip	10th Percentile	25th Percentile	Median Home Price	75th Percentile	90th Percentile
75428	$37,260	$91,115	$184,760	$320,305	$534,770

Source: Ownwell

Property Tax Bills Across Commerce, Delta County, Texas

In Commerce, located in Delta County, TX, property tax bills are determined by multiplying the assessed value of a home by the local tax rate. The assessed value is a percentage of the property's market value, which is influenced by factors such as location, size, and improvements. With a median home price of $184,760, homeowners in Commerce can expect their tax bills to vary significantly. The 25th percentile tax bill is $1,453, while the 75th percentile reaches $4,668, and the 90th percentile climbs to $7,484. These figures highlight the variability in tax burdens, which can be higher than the national median property tax bill of $2,400. Homeowners may feel the impact of these taxes on their finances, especially when bills exceed the national median. Ownwell assists homeowners by providing property tax appeal and exemption services, potentially reducing their tax liabilities. By leveraging expert knowledge and local insights, Ownwell helps clients navigate the complexities of property tax assessments, ultimately aiming to lower their annual tax burdens.

Property Tax Bills Across Commerce, Delta County, Texas

Source: Ownwell

$1,075

$2,081

$3,086

Median Commerce Tax Bill

$2,503

Median Delta County Tax Bill

$2,570

Median Texas Tax Bill

$3,971

Median United States Tax Bill

$2,400

Property Tax Bills Across Commerce, Delta County, Texas

Zip	10th Percentile	25th Percentile	Median Tax Bill	75th Percentile	90th Percentile
75428	$661	$1,453	$2,503	$4,668	$7,484

Source: Ownwell