Stephens County, Texas Property Taxes

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

Median Stephens County effective property tax rate: 1.63%, significantly higher than the national median of 1.02%.
Median Stephens County home value: $101,665
Median annual Stephens County tax bill: $1,510, $890 lower than the national median property tax bill of $2,400.

How are property taxes in Stephens County calculated?

Property taxes in Stephens 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 Breckenridge or another part of Stephens County, knowing local tax details benefits homeowners and investors.

Last Updated March 1, 2025

Stephens County, Texas Property Tax Bill Calculator

Property Assessed Value

$100,000

$1,500,000

$3,000,000

Median Effective Tax Rate

1.63%

Estimate Property Tax Bill

$1,657

$1,538

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

Property Tax Rates Across Stephens County, Texas

Local government entities set tax rates, which can vary significantly within a state. Annually, each county estimates its required budget to provide essential services and divides that by the total value of all taxable property within its jurisdiction. This calculation results in the property tax rate. While votes and laws play a role in setting tax rates and budgets, this is essentially the annual process.

In Stephens County, Texas, the effective property tax rate is 1.63%, which is significantly higher than the national median property tax rate of 1.02%. This means homeowners in Stephens County may pay more in property taxes compared to the national average. Breckenridge, a city within the county, has the highest median tax rate in the area at 1.72%, while Graham has the lowest at 1.63%. When compared to the national median property tax bill of $2,400, the higher tax rate in Stephens County could result in larger tax bills for homeowners. Understanding these rates can help property owners make informed decisions about appealing their property taxes and exploring potential exemptions.

Property Tax Rates Across Stephens County, Texas

Source: Ownwell

1.63%

1.67%

1.72%

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 Stephens County Tax Rate

1.63%

Median Effective Texas Tax Rate

1.67%

Median Effective United States Tax Rate

1.02%

Property Tax Rates Across Stephens County, Texas

City	10th Percentile	25th Percentile	Median Tax Rate	75th Percentile	90th Percentile
Breckenridge	0.74%	1.35%	1.72%	2.68%	2.68%
Caddo	N/A	N/A	N/A	N/A	N/A
Cisco	N/A	N/A	N/A	N/A	N/A
Graham	0.73%	1.63%	1.63%	1.63%	1.63%
Moran	N/A	N/A	N/A	N/A	N/A
Ranger	N/A	N/A	N/A	N/A	N/A
Woodson	N/A	N/A	N/A	N/A	N/A

Source: Ownwell

Property Tax Assessment Values Across Stephens County, Texas

When examining property taxes in Stephens 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 Stephens 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 Stephens 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 Stephens County.

For example, the median tax bill in Stephens County is $2,400, with tax bills ranging significantly across the county. Graham has the highest median home price at $269,930.

Property Tax Assessment Values Across Stephens County, Texas

Source: Ownwell

$94,730

$182,330

$269,930

Median Stephens County Market Value

$101,665

Median Texas Market Value

$247,950

Median United States Market Value

$235,294

Property Tax Assessment Values Across Stephens County, Texas

City	10th Percentile	25th Percentile	Median Home Price	75th Percentile	90th Percentile
Breckenridge	$16,524	$44,850	$94,730	$175,930	$308,110
Caddo	N/A	N/A	N/A	N/A	N/A
Cisco	N/A	N/A	N/A	N/A	N/A
Graham	$34,590	$142,510	$269,930	$450,710	$595,410
Moran	N/A	N/A	N/A	N/A	N/A
Ranger	N/A	N/A	N/A	N/A	N/A
Woodson	N/A	N/A	N/A	N/A	N/A

Source: Ownwell

Property Tax Bills Across Stephens County, Texas

In Stephens County, TX, property tax bills are calculated based on the assessed value of a home, which is determined by the county appraisal district. This assessed value is then multiplied by the local tax rate to calculate the annual tax bill. The median home price in the county is $101,665, and homeowners can expect a wide range in tax bills. For example, the 25th percentile tax bill is $694, while the 75th percentile tax bill is $2,965, and the 90th percentile tax bill reaches $4,806.

Cities within the county show variation as well, with Graham having the highest median tax bill at $3,970 and Breckenridge the lowest at $1,513. Compared to the national median property tax bill of $2,400, Stephens County offers a diverse range of property tax obligations, which can significantly impact homeowners' financial planning. Understanding these factors helps homeowners anticipate their annual expenses and manage their budgets effectively.

Property Tax Bills Across Stephens County, Texas

Source: Ownwell

$1,513

$2,742

$3,970

Median Stephens County Tax Bill

$1,510

Median Texas Tax Bill

$3,971

Median United States Tax Bill

$2,400

Property Tax Bills Across Stephens County, Texas

City	10th Percentile	25th Percentile	Median Tax Bill	75th Percentile	90th Percentile
Breckenridge	$299	$727	$1,513	$2,868	$4,504
Caddo	N/A	N/A	N/A	N/A	N/A
Cisco	N/A	N/A	N/A	N/A	N/A
Graham	$518	$1,788	$3,970	$6,289	$8,146
Moran	N/A	N/A	N/A	N/A	N/A
Ranger	N/A	N/A	N/A	N/A	N/A
Woodson	N/A	N/A	N/A	N/A	N/A

Source: Ownwell

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Breckenridge

Graham