Bell County, Texas Property Taxes
Property Taxes in Bell County, Texas
Median Bell County effective property tax rate: 1.46%, significantly higher than the national median of 1.02%.
Median Bell County home value: $242,285
Median annual Bell County tax bill: $3,108, higher than the national median property tax bill of $2,400.
How are property taxes in Bell County calculated?
Property taxes in Bell 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 Bell County or another part of the county, knowing local tax details benefits homeowners and investors.
Bell County’s effective property tax rate is 1.46%, which is also higher than the Texas median tax rate of 1.48%?
Last Updated April 13, 2026
Bell County, Texas Property Tax Bill Calculator
$100,000
$1,500,000
$3,000,000
Median Effective Tax Rate
1.46%
Estimate Property Tax Bill
$3,537
$3,283
$774
Average Annual Tax Savings
How Does the Bell County Property Tax Calculator Work?
Use this Bell County property tax calculator to estimate your annual tax bill. Enter your property's assessed value and our calculator applies Bell County's median effective tax rate of 1.46% — drawn from real transactions across the county — to generate your estimate.
Enter your property's estimated assessed value — the value the appraisal district assigns to your property, typically lower than market value after exemptions. Our calculator uses the median effective rate (actual bills divided by market value), which accounts for typical exemptions and is more accurate than applying the statutory millage rate directly.
Note: your assessed value reflects any exemptions you currently have. Rates vary across Bell County — scroll down to explore city-level trends and find the rate specific to your area. Bell County's median property tax bill is $3,108, which is higher than the Texas median tax bill by $708 and above the national median property tax bill of $2,400.
If your estimate is higher than expected, Ownwell can protest your Bell County assessment. Customers in the area saved an average of $774 last year.
Property Tax Rates Across Bell County, Texas
What Are Effective Property Tax Rates Across Bell County?
Local government entities set tax rates, which vary widely across Bell 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 Bell County's effective property tax rate to other counties in Texas or the U.S. median of 1.02%.
Bell County's median effective rate stands at 1.46%, which is higher than the national median of 1.02%. Within Bell County, the highest rate is found in Morgans Point Resort at 1.69%, while Kempner has the lowest at 0.76%.
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 Bell County Tax Rate
1.46%
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 Bell County, Texas
| City | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| Bartlett | 0.39% | 0.55% | 1.50% | 2.17% | 2.25% |
| Bell County Rural | 0.31% | 1.25% | 1.47% | 1.49% | 1.57% |
| Belton | 0.38% | 0.75% | 1.28% | 1.76% | 2.02% |
| Florence | 0.18% | 0.56% | 1.04% | 1.42% | 1.48% |
| Gatesville | 0.13% | 0.21% | 1.07% | 1.49% | 1.82% |
| Harker Heights | 0.70% | 1.12% | 1.51% | 1.80% | 1.88% |
| Heidenheimer | 0.19% | 0.41% | 1.32% | 1.46% | 1.55% |
| Holland | 0.19% | 0.36% | 0.85% | 1.60% | 1.83% |
| Kempner | 0.19% | 0.41% | 0.76% | 1.09% | 1.23% |
| Killeen | 0.55% | 1.02% | 1.62% | 1.87% | 1.94% |
| Little River Academy | 0.39% | 0.64% | 1.18% | 1.79% | 1.96% |
| Morgans Point Resort | 0.60% | 1.34% | 1.69% | 1.95% | 2.05% |
| Nolanville | 0.46% | 0.99% | 1.61% | 1.80% | 1.86% |
| Rogers | 0.30% | 0.71% | 1.24% | 1.96% | 2.43% |
| Salado | 0.26% | 0.60% | 1.08% | 1.46% | 1.67% |
| Temple | 0.38% | 0.82% | 1.46% | 2.19% | 2.41% |
| Troy | 0.23% | 0.52% | 1.03% | 1.43% | 1.73% |
| 76542 | N/A | N/A | N/A | N/A | N/A |
| Bell Rural County | N/A | N/A | N/A | N/A | N/A |
| Burlington | N/A | N/A | N/A | N/A | N/A |
| Copperas Cove | N/A | N/A | N/A | N/A | N/A |
| Fort Hood | N/A | N/A | N/A | N/A | N/A |
| Jarrell | N/A | N/A | N/A | N/A | N/A |
| Moody | N/A | N/A | N/A | N/A | N/A |
| Morgans Point Resort City | N/A | N/A | N/A | N/A | N/A |
| Pendleton | N/A | N/A | N/A | N/A | N/A |
| Tyler | N/A | N/A | N/A | N/A | N/A |
Source: Ownwell
$774
Average Annual Tax Savings
Save on Your Property Taxes and More With Ownwell
Property Tax Assessment Values Across Bell County, Texas
When examining property taxes in Bell 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 Bell 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 Bell County, assessment notices are sent in the spring each year. They'll typically reach your mailbox by the middle of April.
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 Bell County.
For example, the median tax bill in Bell County is $3,108, compared with the national median property tax bill of $2,400. Tax bills range significantly across the county, with Salado at the highest median home price of $510,804.
Median Bell County Market Value
$242,285
Median Texas Market Value
$258,851
Median United States Market Value
$235,294
Property Tax Assessment Values Across Bell County, Texas
| City | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| Bartlett | $26,853 | $73,181 | $153,184 | $229,584 | $306,813 |
| Bell County Rural | $4,243 | $5,214 | $6,392 | $12,255 | $21,341 |
| Belton | $33,960 | $155,206 | $288,829 | $417,086 | $617,268 |
| Florence | $5,062 | $12,020 | $76,132 | $282,994 | $349,037 |
| Gatesville | $10,786 | $27,700 | $79,630 | $188,851 | $398,844 |
| Harker Heights | $15,989 | $215,938 | $293,468 | $359,009 | $418,199 |
| Heidenheimer | $23,468 | $48,765 | $81,366 | $136,927 | $158,031 |
| Holland | $29,151 | $82,474 | $170,271 | $266,924 | $508,558 |
| Kempner | $247,080 | $285,475 | $338,106 | $414,683 | $506,664 |
| Killeen | $113,920 | $178,736 | $223,514 | $279,473 | $349,822 |
| Little River Academy | $30,000 | $115,676 | $176,619 | $269,520 | $379,151 |
| Morgans Point Resort | $10,000 | $20,000 | $40,113 | $273,410 | $400,639 |
| Nolanville | $6,017 | $42,229 | $257,764 | $387,906 | $540,623 |
| Rogers | $18,388 | $37,906 | $80,715 | $170,362 | $327,714 |
| Salado | $148,962 | $363,332 | $510,804 | $662,916 | $851,849 |
| Temple | $89,652 | $170,000 | $247,224 | $306,202 | $399,865 |
| Troy | $35,944 | $101,645 | $227,790 | $274,406 | $379,866 |
| 76542 | N/A | N/A | N/A | N/A | N/A |
| Bell Rural County | N/A | N/A | N/A | N/A | N/A |
| Burlington | N/A | N/A | N/A | N/A | N/A |
| Copperas Cove | N/A | N/A | N/A | N/A | N/A |
| Fort Hood | N/A | N/A | N/A | N/A | N/A |
| Jarrell | N/A | N/A | N/A | N/A | N/A |
| Moody | N/A | N/A | N/A | N/A | N/A |
| Morgans Point Resort City | N/A | N/A | N/A | N/A | N/A |
| Pendleton | N/A | N/A | N/A | N/A | N/A |
| Tyler | N/A | N/A | N/A | N/A | N/A |
Source: Ownwell
$774
Average Annual Tax Savings
Save on Your Property Taxes and More With Ownwell
Property Tax Bills Across Bell County, Texas
Median Bell County Tax Bill
$3,108
Median Texas Tax Bill
$3,441
Median United States Tax Bill
$2,400
Property Tax Bills Across Bell County, Texas
| City | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| Bartlett | $277 | $586 | $1,367 | $3,051 | $4,286 |
| Bell County Rural | $26 | $62 | $83 | $130 | $223 |
| Belton | $234 | $1,010 | $3,088 | $5,597 | $7,979 |
| Florence | $68 | $122 | $537 | $2,042 | $3,789 |
| Gatesville | $80 | $144 | $365 | $1,427 | $3,889 |
| Harker Heights | $131 | $1,572 | $3,732 | $5,157 | $6,325 |
| Heidenheimer | $102 | $299 | $572 | $1,401 | $2,049 |
| Holland | $166 | $428 | $1,181 | $2,616 | $4,064 |
| Kempner | $557 | $1,179 | $2,331 | $3,694 | $4,738 |
| Killeen | $676 | $1,730 | $3,104 | $4,314 | $5,557 |
| Little River Academy | $208 | $794 | $1,839 | $3,397 | $4,649 |
| Morgans Point Resort | $164 | $265 | $563 | $3,291 | $5,583 |
| Nolanville | $90 | $334 | $2,349 | $4,787 | $6,658 |
| Rogers | $159 | $340 | $850 | $1,961 | $3,313 |
| Salado | $652 | $2,173 | $5,022 | $7,568 | $10,194 |
| Temple | $567 | $1,420 | $3,256 | $5,273 | $6,878 |
| Troy | $164 | $543 | $1,673 | $3,344 | $4,973 |
| 76542 | N/A | N/A | N/A | N/A | N/A |
| Bell Rural County | N/A | N/A | N/A | N/A | N/A |
| Burlington | N/A | N/A | N/A | N/A | N/A |
| Copperas Cove | N/A | N/A | N/A | N/A | N/A |
| Fort Hood | N/A | N/A | N/A | N/A | N/A |
| Jarrell | N/A | N/A | N/A | N/A | N/A |
| Moody | N/A | N/A | N/A | N/A | N/A |
| Morgans Point Resort City | N/A | N/A | N/A | N/A | N/A |
| Pendleton | N/A | N/A | N/A | N/A | N/A |
| Tyler | N/A | N/A | N/A | N/A | N/A |
Source: Ownwell
$774
Average Annual Tax Savings
Save on Your Property Taxes and More With Ownwell
Want to lower your Bell County property taxes?
How Can I Lower My Property Taxes in Bell County?
Looking to reduce your Bell County property taxes? Ownwell is the leading property tax appeal company serving Bell County. We specialize in helping property owners in the Killeen area and beyond lower their tax bills by working directly with the Bell County appraisal district.
Through our tax monitoring service, we collect all necessary information to maximize your tax reductions. We navigate the complexities of the Bell County property tax appeal process and identify all available exemptions, so you don't have to.
Whether you are a homeowner, a real estate investor, or an asset manager, our local team at Ownwell has the expertise to assess your current property tax situation and find strategic opportunities for reducing your tax burden.
Property Tax Protests in Texas
Bell County homeowners can protest their property tax assessments when they believe the assessed value does not reflect the market value of their home. The process begins with a formal appeal to the Appraisal District, which is responsible for reviewing property values and handling protests. Homeowners typically submit evidence showing why the assessment should be lowered, such as comparable sales, condition issues, or other factors that affect value.
After the appeal is filed, the case may be reviewed informally or moved to a hearing before the board that listens to appeals. At that hearing, homeowners can present their arguments and supporting documents, and the board evaluates whether the assessment should be changed. This process gives property owners a chance to challenge an assessment they believe is too high and seek a fairer tax bill.
The possible outcomes include keeping the assessed value the same, lowering it, or, in some cases, adjusting it in a way that does not fully match the homeowner’s request. If the appeal is successful, the lower assessed value can reduce the property tax bill. If the protest is denied, the original assessment remains in place.
Ownwell can help homeowners navigate the appeal process from start to finish by identifying opportunities to challenge an assessment, preparing the supporting evidence, and managing the filing and hearing steps. With expert guidance, homeowners can better understand their options and improve their chances of a successful protest before the appeal deadline.
Exemptions in Texas
What property tax exemptions are available in Bell County, Texas?
Bell County homeowners may qualify for several property tax exemptions that can lower their assessed value and reduce their tax bill. The most important is the homestead exemption for a primary residence, which is available to homeowners who occupy the home as their principal residence. This exemption is especially valuable because it applies to the home you live in, not a rental or second property.
Other exemptions may be available for homeowners who are age 65 or older, disabled homeowners, and surviving spouses who meet state and county requirements. These exemptions can provide additional savings beyond the standard homestead exemption, and each one is evaluated separately, so it is important to understand which benefits apply to your situation.
How do homeowners apply for exemptions in Bell County, Texas?
Homeowners typically apply through the local appraisal district by submitting the required exemption forms and supporting documentation. For a homestead exemption, the home must be your primary residence, and you may need to provide proof of occupancy and ownership. Age, disability, and surviving spouse exemptions may require additional documentation to confirm eligibility.
How can Ownwell help?
Ownwell helps homeowners identify every exemption they may qualify for, file the right paperwork, and avoid missing savings opportunities. By reviewing your property details and exemption eligibility, Ownwell can help make sure you take full advantage of the exemptions available for your primary residence in Bell County, Texas.
Available Exemptions
Senior
Disabled
Home Stead
Veteran
Solar/Wind
Non-Profit
Don't miss the deadline to protest!
Dates | |
|---|---|
| Appeal Deadline | May 15 |
| Tax Bill | |
| Issued | October 1 |
| Due Date #1 | January 31 |
Links | |
|---|---|
| Bell Appraisal District | |
| Phone | (254) 939-5841 |
| Website | esearchgsa.bellcad.org |