Save on Bexar County Property Taxes
Ownwell's technology and tax experts save Bexar homeowners $774 on average.
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What Does the Average Bexar County Homeowner Pay in Property Taxes?
Bexar County is home to San Antonio, one of the fastest-growing cities in the US. With one of the highest nominal rates among Texas metros but more moderate home values, most Bexar homeowners pay bills that are more manageable, but overassessments still compound each year. Here's what a typical homeowner pays and how that compares to your bill.
Median Home Value
$260K
BCAD 2024 data
Avg. Annual Bill
$3,900
All taxing units combined
Effective Tax Rate
1.6-2.4%
Among highest in Texas
Properties BCAD Values
790K+
Across all of Bexar County
Is your bill fair and equal this year?
You may be overassessed. A $30,000 overvaluation costs you about $700 every single year, and compounds each year you don't challenge it. Ownwell can tell you in seconds.
Why Bexar County Property Tax Bills Are Among the Highest in Texas
Bexar County is home to San Antonio, the seventh-largest city in the United States, and one of the most rapidly growing metro areas in the country. With no state income tax, Texas local governments fund public services almost entirely through property taxes, and Bexar County homeowners feel that burden acutely.
Complex Taxing Structure
Unlike most Texas counties, Bexar homeowners pay taxes to four countywide entities simultaneously: the county, University Health System, Alamo Community College, and the San Antonio River Authority, before a single dollar reaches the city or school district. Every dollar of overassessment multiplies across these layers, at $0.20-$1.20+ per $100, on top of standard rates.
Mass Appraisal Limitations
BCAD values hundreds of thousands of properties using statistical models rather than individual inspections. Bexar County's rapid growth, wide variety of master-planned communities, and significant home value appreciation make it hard for automated models to accurately capture individual property conditions and values.
Rising Assessments, 20% Cap for Most Non-Homestead Properties
Texas caps annual assessed value increases at 10% for homesteaded properties. Most non-homestead properties under $5M have a 20% circuit breaker cap (effective through 2026).
Multiple Countywide Special Districts
Bexar County homeowners pay taxes to University Health System, Alamo Community College, and the San Antonio River Authority, in addition to county, city, and school rates. These extra layers are unique to Bexar; every dollar of overassessment multiplies across all of them.
Bexar County Property Tax Rates by Taxing Entity
Your total Bexar County property tax bill is calculated by multiplying your assessed value by the combined rate of all applicable taxing entities.
Every property is subject to multiple overlapping jurisdictions — the county, University Health System, Alamo Community College, the San Antonio River Authority, your city, and your school district. Bexar County has not raised its own tax rate since 2021. Rates below reflect 2025 adopted rates; 2026 rates are not set until fall 2026.
| Taxing Entity | 2025 Rate (per $100 assessed value) | Notes |
|---|---|---|
| Bexar County | $0.276331 | Combination of the County's general rate and the Road and Flood Control Fund |
| University Health System | $0.276235 | Applies countywide |
| Alamo Community College | $0.14915 | Applies countywide |
| SA River Authority | $0.0183 | Applies countywide |
| City of San Antonio | $0.54159 | City of San Antonio residents only |
| Northside ISD | $1.0049 | Largest ISD; northwest San Antonio |
| North East ISD | $0.9822 | Northeast San Antonio area |
| Judson ISD | $1.0796 | East Bexar County |
| South San Antonio ISD | $1.1959 | South San Antonio area |
| Typical Combined Rate | 1.6% - 2.4% | Varies by address and school district |
Rates are approximate and sourced from BCAD and Bexar County public records. Verify your exact rates at bcad.org.
How BCAD Calculates Your Assessed Value and What Can Go Wrong
Two values appear on your notice: market value and assessed value. For homesteaded properties, the 10% annual cap means your taxable assessed value can rise no more than 10% per year, even if your market value rose 25%.
For non-homesteaded properties, there is a 20% cap on properties under $5 million.
Scale-Driven Errors
BCAD values over 700,000 properties. A 5% error rate means 35,000+ are overvalued in any given year.
Neighborhood Boundary Issues
Broad boundaries mean homes at the edges may be compared to properties in very different micro-markets.
Condition & Maintenance Ignored
Deferred maintenance, aging systems, and functional obsolescence are rarely captured by BCAD's automated models.
Informal Offers Are a Starting Point
Historically, BCAD's informal hearing process does not resolve quickly for the district. Bexar County's fast-growing master-planned communities and wide valuation gaps between neighborhoods mean first offers frequently don't reflect true market value. Ownwell pushes further when the data supports a greater reduction.
Bexar County Property Tax Protest Dates for 2026
Missing the protest deadline means waiting another full year and paying the overassessment again. Ownwell files on your behalf before the deadline so you never miss your window.
| Date | What Happens |
|---|---|
| January 1, 2026 | Valuation date — BCAD assesses your property's value as of this date |
| ~April 15, 2026 | BCAD expected to begin mailing Notices of Appraised Value |
| April 30, 2026 | Deadline to file homestead exemption for the 2026 tax year |
| May 15, 2026Key Date | Protest filing deadline, or 30 days after your notice is mailed, whichever is later. Ownwell files for you. |
| June - October 2026 | Informal reviews and ARB hearings — Ownwell attends and negotiates on your behalf |
| October 2026 | Tax bills mailed by the Bexar County Tax Assessor-Collector |
| January 31, 2027 | Tax payment due; penalties begin February 1 for unpaid balances |
Bexar County Exemptions You May Be Missing
Exemptions reduce your taxable assessed value before the tax rate is applied. Filing for every exemption you qualify for — and protesting your assessed value — works together to minimize your bill. Ownwell can help you identify and file for all applicable exemptions.
School district taxable assessed value is reduced by $140,000 for your primary residence (new for 2026). File by April 30. The City of San Antonio also offers a 20% homestead exemption on the city portion, and Bexar County offers a 20% homestead exemption on the county portion — stack all three for maximum savings.
An additional $60,000 reduction on your school district taxable value, plus a tax ceiling that freezes your school district tax amount. Applies to qualified seniors and disabled homeowners.
Partial or full exemption based on VA disability rating. Veterans with a 100% disability rating pay zero property tax in Texas. Surviving spouses may also qualify.
Ownwell Handles Your Bexar County Protest From Start to Finish
Protesting your Bexar County property taxes with Ownwell takes less than five minutes to start. Our technology analyzes your property, builds your case, and handles every step with BCAD — so you never have to attend a hearing or file a single form.
Enter Your Address
Ownwell instantly analyzes your property and identifies your best path to a reduction.
We Build Your Case
Our technology and local experts compare your assessment against real market data and comparable sales.
We File & Attend
Ownwell files your protest with BCAD and represents you through informal review and ARB hearings.
You Save
You only pay a percentage of the savings we secure. No reduction means no fee — ever.
How to Pay Your Bexar County Property Taxes
Penalties and interest begin accruing on February 1 for any unpaid balance. If you have a pending protest, you are still responsible for paying by the deadline to avoid penalties — any overpayment will be refunded after a successful protest.
Pay Online
Visit bexar.org under Tax Assessor-Collector to pay by credit card, debit card, or eCheck using your property account number.
Pay by Mail
Send a check payable to Albert Uresti, Bexar County Tax Assessor-Collector, at the address on your tax statement. Include the payment stub.
Pay In Person
Visit any Bexar County Tax Office location with your tax statement or property account number.
Payment Plans
Qualifying homesteaded properties may enroll in installment payment options. Contact the Tax Assessor-Collector's office for eligibility details.
Frequently Asked Questions About Bexar County Property Taxes
What is the Bexar County property tax protest deadline for 2026?
How much does Ownwell charge to protest my Bexar County property taxes?
Is there any risk to protesting my Bexar County property taxes?
Your property value cannot increase as a direct result of filing a protest.
What is the Bexar County homestead exemption and how do I file for it?
What is the effective property tax rate in Bexar County?
How do I look up my Bexar County property tax assessment?
Do I still have to pay taxes while my protest is pending?
What happens at a BCAD ARB hearing?
Ownwell attends and presents your case at both informal BCAD reviews and formal ARB hearings, so you don't need to appear.