Local costs · Texas

What a home costs across Texas

Property-tax rates, insurance, and closing costs vary widely by county. Below are the state-wide rules that apply everywhere in Texas, then every county with its own tax rate and insurance range.

Statewide facts

Home insurance average
About $2,397 per year for a standard HO-3 policy (NAIC 2022 state average). Individual counties run above or below this based on local hazard risk — see the table below.
Transfer & recording tax
Texas charges no state transfer or recording tax on a home purchase.
Title insurance
Texas uses state-set (promulgated) rates. Owner's-policy premiums are set by the state regulator, so we run the exact promulgated schedule.
State income tax
Texas levies no state income tax. These are modeled effective rates from Tax Foundation 2026 brackets.

All 250 counties in Texas

Effective property-tax rate (Census ACS) and a typical annual insurance range at the state median home value. Select a county for the full breakdown.

CountyProperty taxInsurance / yr
Anderson County0.92%$1,170–$2,610typical $1,800
Andrews County1.28%$1,220–$2,730typical $1,880
Angelina County1.09%$1,170–$2,610typical $1,800
Aransas County1.02%$2,370–$5,290typical $3,650
Archer County1.21%$1,660–$3,700typical $2,550
Armstrong County1.23%$2,230–$4,970typical $3,430
Atascosa County1.29%$1,170–$2,610typical $1,800
Austin County1.16%$1,170–$2,610typical $1,800
Bailey County1.52%$1,870–$4,160typical $2,870
Bandera County0.88%$1,170–$2,610typical $1,800
Bastrop County1.42%$1,170–$2,610typical $1,800
Baylor County1.25%$1,820–$4,060typical $2,800
Bee County1.45%$2,500–$5,580typical $3,850
Bell County1.44%$1,300–$2,900typical $2,000
Bexar County1.73%$1,250–$2,800typical $1,930
Blanco County0.93%$1,350–$3,000typical $2,070
Borden County0.42%$2,180–$4,860typical $3,350
Bosque County0.97%$1,330–$2,960typical $2,040
Bowie County1.18%$1,630–$3,640typical $2,510
Brazoria County1.66%$1,840–$4,100typical $2,830
Brazos County1.54%$1,170–$2,610typical $1,800
Brewster County1.13%$1,370–$3,060typical $2,110
Briscoe County1.09%$2,200–$4,920typical $3,390
Brooks County1.31%$2,610–$5,810typical $4,010
Brown County1.11%$1,220–$2,730typical $1,880
Burleson County0.95%$1,170–$2,610typical $1,800
Burnet County1.06%$1,290–$2,890typical $1,990
Caldwell County1.34%$1,350–$3,020typical $2,080
Calhoun County1.26%$3,130–$6,990typical $4,820
Callahan County0.91%$1,870–$4,160typical $2,870
Cameron County1.50%$2,520–$5,610typical $3,870
Camp County1.10%$1,500–$3,350typical $2,310
Carson County1.19%$2,590–$5,790typical $3,990
Cass County0.94%$1,350–$3,020typical $2,080
Castro County0.92%$1,920–$4,280typical $2,950
Chambers County1.05%$1,900–$4,230typical $2,920
Cherokee County1.16%$1,170–$2,610typical $1,800
Childress County1.19%$2,380–$5,310typical $3,660
Clay County1.27%$1,780–$3,970typical $2,740
Cochran County1.10%$1,950–$4,350typical $3,000
Coke County1.16%$2,020–$4,510typical $3,110
Coleman County1.35%$1,640–$3,670typical $2,530
Collin County1.58%$1,700–$3,800typical $2,620
Collingsworth County1.26%$2,160–$4,810typical $3,320
Colorado County1.05%$1,740–$3,870typical $2,670
Comal County1.13%$1,170–$2,610typical $1,800
Comanche County1.35%$1,350–$3,020typical $2,080
Concho County1.68%$1,380–$3,090typical $2,130
Cooke County1.19%$1,480–$3,310typical $2,280
Coryell County1.36%$1,170–$2,610typical $1,800
Cottle County1.15%$1,980–$4,420typical $3,050
Crane County1.04%$1,170–$2,610typical $1,800
Crosby County1.83%$1,950–$4,350typical $3,000
Culberson County0.97%$1,170–$2,610typical $1,800
Dallam County1.15%$1,360–$3,030typical $2,090
Dallas County1.58%$1,560–$3,480typical $2,400
Dawson County1.62%$1,600–$3,570typical $2,460
Deaf Smith County1.49%$1,760–$3,930typical $2,710
Delta County0.95%$1,510–$3,380typical $2,330
Denton County1.61%$1,480–$3,290typical $2,270
DeWitt County0.86%$1,810–$4,050typical $2,790
Dickens County1.44%$1,980–$4,410typical $3,040
Dimmit County1.43%$1,170–$2,610typical $1,800
Donley County1.16%$2,450–$5,470typical $3,770
Duval County1.28%$1,450–$3,230typical $2,230
Eastland County1.08%$1,370–$3,060typical $2,110
Ector County1.27%$1,590–$3,540typical $2,440
El Paso County2.03%$1,170–$2,610typical $1,800
Ellis County1.35%$1,170–$2,610typical $1,800
Erath County1.07%$1,350–$3,000typical $2,070
Falls County1.37%$1,170–$2,610typical $1,800
Fannin County1.08%$1,520–$3,390typical $2,340
Fayette County0.89%$1,270–$2,830typical $1,950
Fisher County1.73%$1,660–$3,710typical $2,560
Floyd County1.23%$2,100–$4,680typical $3,230
Foard County1.12%$2,550–$5,680typical $3,920
Fort Bend County1.86%$1,550–$3,450typical $2,380
Franklin County0.89%$1,450–$3,230typical $2,230
Freestone County0.94%$1,170–$2,610typical $1,800
Frio County1.55%$1,170–$2,610typical $1,800
Gaines County1.57%$1,830–$4,090typical $2,820
Galveston County1.41%$1,820–$4,060typical $2,800
Garza County1.57%$2,030–$4,540typical $3,130
Gillespie County0.98%$1,180–$2,620typical $1,810
Glasscock County0.55%$1,500–$3,350typical $2,310
Goliad County0.94%$2,550–$5,700typical $3,930
Gonzales County1.31%$1,330–$2,960typical $2,040
Gray County1.37%$2,180–$4,860typical $3,350
Grayson County1.27%$1,170–$2,610typical $1,800
Gregg County1.16%$1,230–$2,740typical $1,890
Grimes County1.02%$1,790–$4,000typical $2,760
Guadalupe County1.43%$1,170–$2,610typical $1,800
Hale County1.31%$3,050–$6,800typical $4,690
Hall County1.26%$2,070–$4,630typical $3,190
Hamilton County1.26%$1,440–$3,220typical $2,220
Hansford County1.81%$1,660–$3,710typical $2,560
Hardeman County1.03%$1,920–$4,290typical $2,960
Hardin County1.09%$1,690–$3,770typical $2,600
Harris County1.62%$1,710–$3,810typical $2,630
Harrison County0.97%$1,270–$2,830typical $1,950
Hartley County1.01%$1,560–$3,480typical $2,400
Haskell County1.16%$1,680–$3,760typical $2,590
Hays County1.66%$1,180–$2,620typical $1,810
Hemphill County1.16%$2,940–$6,550typical $4,520
Henderson County0.94%$1,170–$2,610typical $1,800
Hidalgo County1.62%$2,310–$5,160typical $3,560
Hill County1.16%$1,380–$3,090typical $2,130
Hockley County1.39%$1,910–$4,260typical $2,940
Hood County1.05%$1,440–$3,200typical $2,210
Hopkins County1.00%$1,500–$3,350typical $2,310
Houston County0.84%$1,170–$2,610typical $1,800
Howard County0.95%$1,320–$2,940typical $2,030
Hudspeth County1.25%$1,170–$2,610typical $1,800
Hunt County1.24%$1,270–$2,840typical $1,960
Hutchinson County1.34%$2,540–$5,670typical $3,910
Irion County0.70%$2,550–$5,680typical $3,920
Jack County0.98%$1,880–$4,190typical $2,890
Jackson County1.02%$2,960–$6,600typical $4,550
Jasper County0.97%$2,080–$4,640typical $3,200
Jeff Davis County0.60%$2,030–$4,520typical $3,120
Jefferson County1.53%$2,680–$5,970typical $4,120
Jim Hogg County0.97%$1,250–$2,780typical $1,920
Jim Wells County1.15%$2,320–$5,180typical $3,570
Johnson County1.24%$1,370–$3,060typical $2,110
Jones County1.59%$1,790–$4,000typical $2,760
Karnes County0.93%$1,740–$3,870typical $2,670
Kaufman County1.68%$1,250–$2,800typical $1,930
Kendall County1.10%$1,170–$2,610typical $1,800
Kent County0.68%$2,020–$4,510typical $3,110
Kerr County0.97%$1,170–$2,610typical $1,800
Kimble County1.27%$1,170–$2,610typical $1,800
King County1.08%$2,080–$4,640typical $3,200
Kinney County1.41%$1,170–$2,610typical $1,800
Kleberg County1.47%$3,000–$6,700typical $4,620
Knox County1.60%$1,770–$3,960typical $2,730
La Salle County1.47%$1,170–$2,610typical $1,800
Lamar County0.87%$1,420–$3,180typical $2,190
Lamb County1.11%$1,980–$4,420typical $3,050
Lampasas County1.17%$1,280–$2,860typical $1,970
Lavaca County0.89%$1,730–$3,860typical $2,660
Lee County0.97%$1,290–$2,870typical $1,980
Leon County0.69%$1,170–$2,610typical $1,800
Liberty County1.17%$1,770–$3,960typical $2,730
Limestone County1.19%$1,170–$2,610typical $1,800
Lipscomb County1.41%$2,290–$5,100typical $3,520
Live Oak County0.96%$1,730–$3,860typical $2,660
Llano County0.75%$1,170–$2,610typical $1,800
Lubbock County1.51%$2,070–$4,630typical $3,190
Lynn County1.77%$1,680–$3,760typical $2,590
Madison County0.98%$1,470–$3,280typical $2,260
Marion County0.74%$1,520–$3,390typical $2,340
Martin County0.91%$1,310–$2,930typical $2,020
Mason County0.84%$1,170–$2,610typical $1,800
Matagorda County1.35%$3,480–$7,770typical $5,360
Maverick County1.24%$1,170–$2,610typical $1,800
McCulloch County0.99%$1,170–$2,610typical $1,800
McLennan County1.43%$1,170–$2,610typical $1,800
McMullen County0.41%$1,180–$2,640typical $1,820
Medina County1.32%$1,180–$2,620typical $1,810
Menard County1.95%$1,170–$2,610typical $1,800
Midland County1.23%$1,330–$2,970typical $2,050
Milam County0.99%$1,220–$2,710typical $1,870
Mills County0.78%$1,290–$2,870typical $1,980
Mitchell County1.86%$1,750–$3,900typical $2,690
Montague County0.92%$1,580–$3,520typical $2,430
Montgomery County1.52%$1,240–$2,760typical $1,900
Moore County1.30%$2,040–$4,550typical $3,140
Morris County1.10%$1,530–$3,410typical $2,350
Motley County1.03%$2,540–$5,660typical $3,900
Nacogdoches County0.83%$1,280–$2,860typical $1,970
Navarro County1.20%$1,200–$2,670typical $1,840
Newton County0.82%$2,090–$4,650typical $3,210
Nolan County1.53%$1,550–$3,470typical $2,390
Nueces County1.59%$2,510–$5,600typical $3,860
Ochiltree County1.42%$1,520–$3,390typical $2,340
Oldham County1.09%$1,830–$4,070typical $2,810
Orange County1.24%$2,610–$5,810typical $4,010
Palo Pinto County1.11%$1,530–$3,420typical $2,360
Panola County0.79%$1,490–$3,320typical $2,290
Parker County1.40%$1,390–$3,100typical $2,140
Parmer County1.28%$1,380–$3,070typical $2,120
Pecos County1.03%$1,170–$2,610typical $1,800
Polk County0.90%$2,040–$4,550typical $3,140
Potter County1.46%$2,520–$5,630typical $3,880
Presidio County1.24%$1,170–$2,610typical $1,800
Rains County1.02%$1,290–$2,890typical $1,990
Randall County1.51%$2,200–$4,920typical $3,390
Reagan County0.92%$1,210–$2,700typical $1,860
Real County1.07%$1,170–$2,610typical $1,800
Red River County1.01%$1,430–$3,190typical $2,200
Reeves County1.08%$1,170–$2,610typical $1,800
Refugio County1.47%$3,070–$6,840typical $4,720
Roberts County1.11%$3,150–$7,020typical $4,840
Robertson County1.01%$1,170–$2,610typical $1,800
Rockwall County1.54%$1,370–$3,060typical $2,110
Runnels County1.37%$1,680–$3,740typical $2,580
Rusk County1.05%$1,330–$2,960typical $2,040
Sabine County0.82%$1,470–$3,280typical $2,260
San Augustine County0.68%$1,610–$3,580typical $2,470
San Jacinto County0.99%$1,270–$2,840typical $1,960
San Patricio County1.49%$2,440–$5,440typical $3,750
San Saba County0.90%$1,170–$2,610typical $1,800
Schleicher County1.25%$1,980–$4,410typical $3,040
Scurry County1.27%$1,590–$3,540typical $2,440
Shackelford County1.15%$1,910–$4,260typical $2,940
Shelby County1.01%$1,290–$2,870typical $1,980
Sherman County1.72%$1,550–$3,470typical $2,390
Smith County1.17%$1,170–$2,610typical $1,800
Somervell County0.91%$1,570–$3,510typical $2,420
Starr County1.14%$1,170–$2,610typical $1,800
Stephens County1.48%$1,670–$3,730typical $2,570
Sterling County1.29%$1,980–$4,410typical $3,040
Stonewall County1.79%$1,640–$3,670typical $2,530
Sutton County1.23%$1,500–$3,350typical $2,310
Swisher County1.72%$2,100–$4,680typical $3,230
Tarrant County1.65%$1,510–$3,360typical $2,320
Taylor County1.37%$1,890–$4,220typical $2,910
Terrell County0.92%$1,170–$2,610typical $1,800
Terry County1.69%$1,350–$3,000typical $2,070
Throckmorton County1.28%$1,940–$4,340typical $2,990
Titus County1.21%$1,390–$3,100typical $2,140
Tom Green County1.29%$1,220–$2,730typical $1,880
Travis County1.48%$1,170–$2,610typical $1,800
Trinity County1.06%$1,680–$3,760typical $2,590
Tyler County0.89%$1,930–$4,310typical $2,970
Upshur County1.19%$1,330–$2,960typical $2,040
Upton County1.08%$1,170–$2,610typical $1,800
Uvalde County1.44%$1,170–$2,610typical $1,800
Val Verde County1.43%$1,170–$2,610typical $1,800
Van Zandt County1.03%$1,170–$2,610typical $1,800
Victoria County1.46%$2,610–$5,810typical $4,010
Walker County1.18%$1,290–$2,890typical $1,990
Waller County1.27%$1,220–$2,710typical $1,870
Ward County0.64%$1,170–$2,610typical $1,800
Washington County1.09%$1,280–$2,860typical $1,970
Webb County1.80%$1,170–$2,610typical $1,800
Wharton County1.52%$2,650–$5,900typical $4,070
Wheeler County1.39%$2,740–$6,120typical $4,220
Wichita County1.64%$1,220–$2,730typical $1,880
Wilbarger County1.60%$1,630–$3,630typical $2,500
Willacy County1.69%$3,020–$6,740typical $4,650
Williamson County1.61%$1,170–$2,610typical $1,800
Wilson County1.22%$1,170–$2,610typical $1,800
Winkler County0.76%$1,170–$2,610typical $1,800
Wise County1.14%$1,400–$3,120typical $2,150
Wood County0.88%$1,170–$2,610typical $1,800
Yoakum County0.94%$1,590–$3,540typical $2,440
Young County1.11%$1,590–$3,540typical $2,440
Zapata County0.95%$1,170–$2,610typical $1,800
Zavala County1.53%$1,170–$2,610typical $1,800

* Property-tax rate is approximate because the county’s Census median is top-coded.

How these numbers are built

Every figure comes from public data or our own math: Census ACS property taxes, NAIC insurance averages scaled by FEMA risk, and researched transfer-tax and title schedules.

Estimates, not advice. See the methodology for sources, vintages, and the honest gaps.