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Saratoga, Hardin County, Texas Property Taxes

Median Saratoga, TX effective property tax rate: 1.19%, significantly higher than the national median of 1.02%, but lower than the Texas state median of 1.67%. Median Saratoga, TX home value: $51,361. Median annual Saratoga, TX tax bill: $453, $1,947 lower than the national median property tax bill of $2,400.

How are property taxes in Hardin County calculated?

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

Last Updated March 1, 2025

Saratoga, Hardin County, Texas Property Tax Bill Calculator

$100,000

$1,500,000

$3,000,000

Median Effective Tax Rate

1.19%

Estimate Property Tax Bill

$611

$567

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

Property Tax Rates Across Saratoga, Hardin County, Texas

Local government entities are responsible for setting property tax rates, which can vary significantly within Texas. Each year, counties like 48199 estimate the budget needed to provide essential services and divide this by the total value of all taxable property, resulting in the property tax rate. While votes and laws play a role in determining these rates and budgets, this is the crux of the annual process.

Comparing Saratoga’s effective property tax rate to other cities in Texas reveals interesting insights. With a median property tax rate of 1.19%, Saratoga aligns with the highest and lowest median rates in the state, both found in zip code 77585, and stands above the national median of 1.02%. This indicates a consistent tax landscape within the region.

Understanding these rates is crucial for property owners in Saratoga, as it directly impacts their annual property tax bills. With the national median property tax bill at $2400, residents in Saratoga can gauge how their tax obligations compare on a broader scale, providing a clearer picture of their financial commitments.

Property Tax Rates Across Saratoga, Hardin County, Texas

Source: Ownwell

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0.33%

0.98%

1.63%

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 Saratoga Tax Rate

1.19%

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 Hardin County Tax Rate

1.51%

Median Effective Texas Tax Rate

1.67%

Median Effective United States Tax Rate

1.02%

Property Tax Rates Across Saratoga, Hardin County, Texas

Zip10th Percentile25th PercentileMedian Tax Rate75th Percentile90th Percentile
775850.20%0.47%1.19%1.66%1.66%

Source: Ownwell

Property Tax Assessment Values Across Saratoga, Hardin County, Texas

When examining property taxes in Saratoga, 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 Hardin 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 Hardin 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 Saratoga. For example, the median home price in Saratoga is $51,361, with tax bills ranging significantly across the county. ZIP code 77585 has the highest median home price at $51,361.

Property Tax Assessment Values Across Saratoga, Hardin County, Texas

Source: Ownwell

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$48,740

$107,342

$165,943

Median Saratoga Market Value

$51,361

Median Hardin County Market Value

$101,546

Median Texas Market Value

$247,950

Median United States Market Value

$235,294

Property Tax Assessment Values Across Saratoga, Hardin County, Texas

Zip10th Percentile25th PercentileMedian Home Price75th Percentile90th Percentile
77585$8,189$24,696$51,361$102,108$168,614

Source: Ownwell

Property Tax Bills Across Saratoga, Hardin County, Texas

In Saratoga, Hardin County, TX, property tax bills are calculated based on the assessed value of a home and the local tax rate. The median home price in Saratoga is $51,361. Property taxes here are significantly lower than the national median tax bill of $2,400, with the 25th percentile tax bill at $147 and the 75th percentile at $987. The highest median tax bill recorded in the area is $453. These figures illustrate the relatively low property tax burden on homeowners compared to the national average. However, even within this range, homeowners can still benefit from reducing their tax liabilities. Factors affecting tax bills include changes in assessed property values and local tax rates. Ownwell assists homeowners by identifying potential savings opportunities through tax appeals and exemptions. By leveraging expertise in local property tax laws, Ownwell can help ensure that homeowners in Saratoga pay only their fair share, potentially saving them hundreds of dollars annually on their property tax bills.

Property Tax Bills Across Saratoga, Hardin County, Texas

Source: Ownwell

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$370

$1,350

$2,329

Median Saratoga Tax Bill

$453

Median Hardin County Tax Bill

$1,156

Median Texas Tax Bill

$3,971

Median United States Tax Bill

$2,400

Property Tax Bills Across Saratoga, Hardin County, Texas

Zip10th Percentile25th PercentileMedian Tax Bill75th Percentile90th Percentile
77585$61$147$453$987$1,807

Source: Ownwell

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