Bandera County, Texas Property Taxes
Property Taxes in Bandera County, Texas
Median Bandera County effective property tax rate: 1.01%, significantly lower than the national median of 1.02%.
Median Bandera County home value: $210,560
Median annual Bandera County tax bill: $1,513, $887 lower than the national median property tax bill of $2,400.
How are property taxes in Bandera County calculated?
Property taxes in Bandera 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.
Why does the assessed value matter in Bandera County? Because the assessed value is the amount used to calculate your property tax bill, and a lower assessed value can mean meaningful savings.
How do Bandera County property taxes compare with Texas? Bandera County’s effective property tax rate is 1.01%, which is lower than the Texas median rate of 1.48%.
Understanding your county's property tax system, exemptions, and reduction opportunities can lead to significant savings. Whether you live in Bandera or another part of Bandera County, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
Bandera County, Texas Property Tax Bill Calculator
$100,000
$1,500,000
$3,000,000
Median Effective Tax Rate
1.01%
Estimate Property Tax Bill
$2,127
$1,973
How Does the Bandera County Property Tax Calculator Work?
Use this Bandera County property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Bandera County's median effective tax rate of 1.01% to generate your estimate.
Enter your property's estimated assessed value — the figure the appraisal district assigns for tax purposes, which is typically lower than market value after applicable exemptions. Our calculator uses the median effective rate for a more accurate estimate than the statutory millage rate alone.
Your actual bill may vary based on your specific exemptions, local school district levies, and any special assessment districts that apply to your property. Bandera County's median tax bill is $1,513, compared with the $2,400 national median property tax bill.
For a more precise estimate, scroll down to explore city and ZIP code-level tax rate trends across Bandera County.
Property Tax Rates Across Bandera County, Texas
What Are Effective Property Tax Rates Across Bandera County?
Local government entities set tax rates, which vary widely across Bandera County. Each year, the county estimates its budget for public services and divides that total by the assessed value of all taxable property within its jurisdiction.
Below, compare Bandera County's effective property tax rate to other counties in Texas or the U.S. median of 1.02%.
Bandera County's median effective rate stands at 1.01%, which is lower than the national median of 1.02%. Within Bandera County, the highest rate is found in Pipe Creek at 1.04%, while Helotes has the lowest at 0.46%.
These variations reflect differences in local school district levies, Municipal Utility Districts (MUDs) assessments, and special district bonds — which compound the base county rate.
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 Bandera County Tax Rate
1.01%
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 Texas Tax Rate
1.48%
Median Effective United States Tax Rate
1.02%
Property Tax Rates Across Bandera County, Texas
| City | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| Bandera | 0.24% | 0.46% | 0.97% | 1.40% | 1.49% |
| Helotes | 0.21% | 0.32% | 0.46% | 0.60% | 0.61% |
| Lakehills | 0.27% | 0.47% | 0.91% | 1.39% | 1.43% |
| Medina | 0.20% | 0.38% | 0.85% | 1.48% | 1.53% |
| Pipe Creek | 0.26% | 0.49% | 1.04% | 1.40% | 1.48% |
| Tarpley | 0.13% | 0.31% | 0.73% | 1.06% | 1.36% |
| Utopia | 0.23% | 0.44% | 0.76% | 1.31% | 1.37% |
| Vanderpool | 0.18% | 0.36% | 0.80% | 1.35% | 1.37% |
| Hunt | N/A | N/A | N/A | N/A | N/A |
| Kerrville | N/A | N/A | N/A | N/A | N/A |
Source: Ownwell
Property Tax Assessment Values Across Bandera County, Texas
When examining property taxes in Bandera 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 Bandera 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 Bandera 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 Bandera County.
For example, the median tax bill in Bandera County is $1,513, with tax bills ranging significantly across the county. Tarpley has the highest median home price at $358,330.
Median Bandera County Market Value
$210,560
Median Texas Market Value
$258,851
Median United States Market Value
$235,294
Property Tax Assessment Values Across Bandera County, Texas
| City | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| Bandera | $28,662 | $81,492 | $211,030 | $406,345 | $618,746 |
| Helotes | $123,362 | $252,220 | $336,745 | $404,428 | $533,708 |
| Lakehills | $37,002 | $86,550 | $205,660 | $364,120 | $517,706 |
| Medina | $29,513 | $101,178 | $252,255 | $505,988 | $774,260 |
| Pipe Creek | $28,010 | $80,275 | $215,085 | $410,872 | $622,845 |
| Tarpley | $97,131 | $196,166 | $358,330 | $487,912 | $699,800 |
| Utopia | $86,663 | $138,135 | $244,910 | $378,170 | $488,191 |
| Vanderpool | $112,740 | $205,010 | $338,680 | $533,555 | $1,132,767 |
| Hunt | N/A | N/A | N/A | N/A | N/A |
| Kerrville | N/A | N/A | N/A | N/A | N/A |
Source: Ownwell
Property Tax Bills Across Bandera County, Texas
Property tax bills in Bandera County are based on the assessed value of a home, not its market price alone. Local taxing authorities apply their tax rates to that assessed value to determine the amount owed each year. For a typical home with a median price of $210,560, the final bill can vary widely depending on location, exemptions, and the specific taxing entities involved.
Homeowners in Bandera County see a broad range of tax bills. The 25th percentile tax bill is $518, while the 75th percentile tax bill is $3,303, and the 90th percentile tax bill is $5,582. That spread shows how much property taxes can differ from one homeowner to another, even within the same county. VANDERPOOL has the highest median tax bill at $2,353, while HELOTES has the lowest at $1,372.
Because property taxes are tied to assessed value and local rates, a higher assessment or fewer exemptions can increase the bill. For homeowners, that means property taxes can become a major recurring expense and a key factor in overall housing affordability.
Median Bandera County Tax Bill
$1,513
Median Texas Tax Bill
$3,441
Median United States Tax Bill
$2,400
Property Tax Bills Across Bandera County, Texas
| City | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| Bandera | $208 | $493 | $1,529 | $3,363 | $5,715 |
| Helotes | $184 | $767 | $1,372 | $1,894 | $2,493 |
| Lakehills | $242 | $507 | $1,433 | $3,194 | $4,814 |
| Medina | $249 | $560 | $1,735 | $3,787 | $6,622 |
| Pipe Creek | $219 | $548 | $1,505 | $3,277 | $5,560 |
| Tarpley | $415 | $745 | $2,034 | $3,598 | $5,233 |
| Utopia | $456 | $743 | $1,517 | $2,893 | $4,337 |
| Vanderpool | $523 | $1,206 | $2,353 | $3,700 | $5,811 |
| Hunt | N/A | N/A | N/A | N/A | N/A |
| Kerrville | N/A | N/A | N/A | N/A | N/A |
Source: Ownwell
Don't miss the deadline to protest!
Dates | |
|---|---|
| Appeal Deadline | May 15 |
| Tax Bill | |
| Issued | October 1 |
| Due Date #1 | November 30 |
| Due Date #2 | June 30 |
Links | |
|---|---|
| Bandera Appraisal District | |
| Website | esearch.bancad.org |