Texas Hill Country Property Tax Estimation Worksheet

Use this worksheet to estimate your annual property tax by jurisdiction. Fill in the values from the county appraisal district website for your target property. This is an estimate — consult your tax advisor and lender for final numbers.

Section A: Property Information

Property Address
County
City (if applicable)
Special Districts (MUD, PID, ESD, WCID)

Property Address

County

City (if applicable)

Special Districts (MUD, PID, ESD, WCID)

Section B: Value Determination

Market Value (what you pay)	$ ________________
Appraised / Assessed Value (from CAD website)	$ ________________
Note: For a new purchase, use the CAD's market value (or your purchase price). If the seller had a homestead cap, the CAD's appraised value may be lower than market value — use the market value, not the seller's capped value. Your first-year appraised value starts at market value; subsequent years may increase up to 10% under the homestead cap.

Market Value (what you pay)

$ ________________

Appraised / Assessed Value (from CAD website)

$ ________________

Note: For a new purchase, use the CAD's market value (or your purchase price). If the seller had a homestead cap, the CAD's appraised value may be lower than market value — use the market value, not the seller's capped value. Your first-year appraised value starts at market value; subsequent years may increase up to 10% under the homestead cap.

Section C: Your Exemptions

Section D: Tax Calculation by Jurisdiction

Enter each taxing entity's name, rate (per $100 of assessed value), your taxable value after exemptions, and the annual tax.

Taxing Entity	Rate per $100	Your Taxable Value	Annual Tax	Monthly
County: _______________	$ ______	$ ________________	$ ________________	$ __________
School District: _______________	$ ______	$ ________________	$ ________________	$ __________
City: _______________	$ ______	$ ________________	$ ________________	$ __________
MUD: _______________	$ ______	$ ________________	$ ________________	$ __________
ESD: _______________	$ ______	$ ________________	$ ________________	$ __________
Other: _______________	$ ______	$ ________________	$ ________________	$ __________
Other: _______________	$ ______	$ ________________	$ ________________	$ __________
TOTAL AD VALOREM TAXES	$ ________________	$ __________

Taxing Entity

Rate per $100

Your Taxable Value

Annual Tax

Monthly

County: _______________

$ ______

$ ________________

$ __________

School District: _______________

$ ______

$ ________________

$ __________

City: _______________

$ ______

$ ________________

$ __________

MUD: _______________

$ ______

$ ________________

$ __________

ESD: _______________

$ ______

$ ________________

$ __________

Other: _______________

$ ______

$ ________________

$ __________

Other: _______________

$ ______

$ ________________

$ __________

TOTAL AD VALOREM TAXES

$ ________________

$ __________

Section E: PID / Special Assessments (if applicable)

PID assessments are typically fixed annual amounts, not ad valorem rates. Enter the annual amount for each assessment component.

PID Assessment Type	Annual Amount	Remaining Years	Monthly
Capital Assessment / Bond Installment	$ ________________	_______ years	$ __________
Maintenance / Service Assessment	$ ________________	Ongoing	$ __________
Other: _______________	$ ________________	_______ years	$ __________
TOTAL PID / SPECIAL ASSESSMENTS	$ ________________		$ __________

PID Assessment Type

Annual Amount

Remaining Years

Monthly

Capital Assessment / Bond Installment

$ ________________

_______ years

$ __________

Maintenance / Service Assessment

$ ________________

Ongoing

$ __________

Other: _______________

$ ________________

_______ years

$ __________

TOTAL PID / SPECIAL ASSESSMENTS

$ ________________

$ __________

Section F: Your Estimated Total

Total Annual Ad Valorem Taxes (from Section D)	$ ________________
Total Annual PID / Special Assessments (from Section E)	$ ________________
ESTIMATED TOTAL ANNUAL HOUSING TAX COST	$ ________________
ESTIMATED MONTHLY HOUSING TAX COST	$ ________________

Total Annual Ad Valorem Taxes (from Section D)

$ ________________

Total Annual PID / Special Assessments (from Section E)

$ ________________

ESTIMATED TOTAL ANNUAL HOUSING TAX COST

$ ________________

ESTIMATED MONTHLY HOUSING TAX COST

$ ________________

Section G: Multi-Year Projection

Use this section to project how your tax bill may change over time. Apply the 10% homestead cap (or no cap if non-homestead) and projected rate changes.

Year	Projected Appraised Value	Projected Composite Rate	Projected Annual Tax	Change vs. Year 1
Year 1	$ __________	$ ______/$100	$ __________	—
Year 2	$ __________	$ ______/$100	$ __________	+/- $ ________
Year 3	$ __________	$ ______/$100	$ __________	+/- $ ________
Year 5	$ __________	$ ______/$100	$ __________	+/- $ ________
Year 10	$ __________	$ ______/$100	$ __________	+/- $ ________

Year

Projected Appraised Value

Projected Composite Rate

Projected Annual Tax

Change vs. Year 1

Year 1

$ __________

$ ______/$100

$ __________

—

Year 2

$ __________

$ ______/$100

$ __________

+/- $ ________

Year 3

$ __________

$ ______/$100

$ __________

+/- $ ________

Year 5

$ __________

$ ______/$100

$ __________

+/- $ ________

Year 10

$ __________

$ ______/$100

$ __________

+/- $ ________

How to use this worksheet:

Step 1: Go to your county appraisal district website (e.g., bcad.org, kcad.org, comal-cad.org) and look up the property's market value and taxing entities. Use the market value — not the seller's capped appraised value — as your starting point.
Step 2: Record each entity's tax rate per $100 of assessed value.
Step 3: Apply your own exemptions (not the seller's) to determine your taxable value for each entity.
Step 4: Calculate: Taxable Value × (Rate ÷ 100) = Annual Tax for each entity.
Step 5: For PIDs, request the assessment roll and service and assessment plan from the city/county or PID administrator.
Step 6: For MUD properties, contact the MUD directly for projected rate trajectory and remaining bond debt.

This worksheet is an educational tool, not tax advice. Consult your real estate agent, tax advisor, and lender for personalized guidance.

Hill Country Homesteads Group | Bill Ross | Bill@HillCountryHomesteads.com | (210) 294-9190

Homestead Exemption (primary residence) — $140,000 off school district appraised value	Applies to: School
Over-65 Exemption — additional $10,000 off school district + tax ceiling	Applies to: School
Disabled-Person Homestead — additional $10,000 off school district (SSDI/SSA)	Applies to: School
Disabled-Veteran Homestead — $5,000–$12,000 off (VA rating dependent)	Amount: $ _______
County/City Optional Homestead — varies by jurisdiction (up to 20% or $5,000–$5,000)	Amount: $ _______