Caldwell County, Texas Property Taxes
Property Taxes in Caldwell County, Texas
Median Caldwell County effective property tax rate: 1.07%, significantly higher than the national median of 1.02%.
Median Caldwell County home value: $232,395
Median annual Caldwell County tax bill: $1,813, lower than the national median property tax bill of $2,400.
How are property taxes in Caldwell County calculated?
Property taxes in Caldwell 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 Caldwell County or another part of Caldwell County, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
Caldwell County, Texas Property Tax Bill Calculator
$100,000
$1,500,000
$3,000,000
Median Effective Tax Rate
1.07%
Estimate Property Tax Bill
$2,487
$2,308
How Does the Caldwell County Property Tax Calculator Work?
Use this Caldwell County property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Caldwell County's median effective tax rate of 1.07% 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. Caldwell County's median tax rate is higher than the Texas median tax rate of 1.48%, and the county's median property tax bill of $1,813 is $587 lower than the Texas median tax bill of $2,400.
For a more precise estimate, scroll down to explore city and ZIP code-level tax rate trends across Caldwell County.
Property Tax Rates Across Caldwell County, Texas
What Are Effective Property Tax Rates Across Caldwell County?
Local government entities set tax rates, which vary widely across Caldwell 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 Caldwell County's effective property tax rate to other counties in Texas or the U.S. median of 1.02%.
Caldwell County's median effective rate stands at 1.07%, which is higher than the national median of 1.02%. Within Caldwell County, the highest rate is found in Fentress at 1.40%, while Uhland has the lowest at 0.47%.
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 Caldwell County Tax Rate
1.07%
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 Caldwell County, Texas
| City | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| Buda | 0.46% | 0.82% | 1.39% | 1.59% | 1.79% |
| Dale | 0.26% | 0.59% | 1.30% | 1.54% | 1.83% |
| Fentress | 0.24% | 0.40% | 1.40% | 1.43% | 1.69% |
| Kyle | 0.42% | 0.60% | 0.67% | 1.62% | 1.68% |
| Lockhart | 0.24% | 0.52% | 1.24% | 1.81% | 2.03% |
| Luling | 0.26% | 0.50% | 1.15% | 1.77% | 1.83% |
| Martindale | 0.31% | 0.44% | 0.58% | 0.75% | 0.90% |
| Maxwell | 0.28% | 0.48% | 0.82% | 1.53% | 1.62% |
| Niederwald | 0.26% | 0.48% | 0.90% | 1.58% | 1.70% |
| Prairie Lea | 0.21% | 0.33% | 0.76% | 1.42% | 1.49% |
| Red Rock | 0.12% | 0.26% | 0.60% | 1.36% | 1.60% |
| San Marcos | 0.19% | 0.32% | 0.52% | 0.58% | 0.70% |
| Uhland | 0.27% | 0.35% | 0.47% | 0.69% | 1.35% |
| Harwood | N/A | N/A | N/A | N/A | N/A |
| Rosanky | N/A | N/A | N/A | N/A | N/A |
| Waelder | N/A | N/A | N/A | N/A | N/A |
Source: Ownwell
Property Tax Assessment Values Across Caldwell County, Texas
When examining property taxes in Caldwell 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 Caldwell 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 Caldwell 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 Caldwell County.
For example, the median tax bill in Caldwell County is $1,813, with tax bills ranging significantly across the county. Red Rock has the highest median home price at $358,734.
Median Caldwell County Market Value
$232,395
Median Texas Market Value
$258,851
Median United States Market Value
$235,294
Property Tax Assessment Values Across Caldwell County, Texas
| City | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| Buda | $77,618 | $127,590 | $260,870 | $416,090 | $650,908 |
| Dale | $37,088 | $75,788 | $188,155 | $419,344 | $691,475 |
| Fentress | $23,475 | $57,010 | $143,580 | $297,440 | $536,625 |
| Kyle | $84,406 | $129,722 | $158,665 | $221,352 | $389,995 |
| Lockhart | $42,680 | $142,830 | $274,160 | $379,925 | $596,744 |
| Luling | $43,630 | $104,810 | $197,850 | $303,842 | $538,556 |
| Martindale | $42,894 | $96,020 | $271,300 | $407,885 | $577,096 |
| Maxwell | $17,130 | $33,170 | $101,970 | $270,960 | $512,246 |
| Niederwald | $55,520 | $137,285 | $348,170 | $643,910 | $1,050,800 |
| Prairie Lea | $39,470 | $78,380 | $175,900 | $271,258 | $434,560 |
| Red Rock | $60,112 | $118,355 | $358,734 | $682,598 | $1,201,439 |
| San Marcos | $19,564 | $53,172 | $214,640 | $353,465 | $769,196 |
| Uhland | $43,300 | $111,932 | $228,285 | $532,048 | $724,475 |
| Harwood | N/A | N/A | N/A | N/A | N/A |
| Rosanky | N/A | N/A | N/A | N/A | N/A |
| Waelder | N/A | N/A | N/A | N/A | N/A |
Source: Ownwell
Property Tax Bills Across Caldwell County, Texas
Property tax bills in Caldwell County are calculated by applying the local tax rate to a home’s assessed value, which is based on the property’s market value. That means the amount a homeowner owes depends on how much the county determines the home is worth, along with any exemptions or special taxing jurisdictions that may apply. For a home with a median home price of $232,395, the final bill can vary widely from one neighborhood to another.
The county’s property tax burden also shows how much bills can differ across homeowners. The 25th percentile tax bill is $792, while the 75th percentile is $3,820 and the 90th percentile reaches $5,911. Median tax bills can also vary by city, from $674 in San Marcos to $2,974 in Buda. For homeowners, this means property taxes can have a major impact on monthly housing costs and long-term affordability, especially when assessed values rise faster than expected.
Median Caldwell County Tax Bill
$1,813
Median Texas Tax Bill
$3,441
Median United States Tax Bill
$2,400
Property Tax Bills Across Caldwell County, Texas
| City | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| Buda | $442 | $1,448 | $2,974 | $4,648 | $7,488 |
| Dale | $343 | $849 | $1,727 | $3,780 | $5,990 |
| Fentress | $236 | $464 | $993 | $2,476 | $5,258 |
| Kyle | $591 | $835 | $1,268 | $2,444 | $3,030 |
| Lockhart | $404 | $1,063 | $2,510 | $4,792 | $6,711 |
| Luling | $402 | $789 | $1,747 | $3,213 | $4,676 |
| Martindale | $258 | $502 | $1,376 | $2,489 | $3,231 |
| Maxwell | $195 | $264 | $710 | $1,869 | $4,059 |
| Niederwald | $582 | $1,464 | $2,496 | $4,772 | $7,071 |
| Prairie Lea | $154 | $475 | $1,135 | $2,365 | $3,999 |
| Red Rock | $309 | $791 | $1,538 | $3,855 | $5,780 |
| San Marcos | $85 | $248 | $674 | $1,414 | $2,019 |
| Uhland | $262 | $539 | $1,015 | $2,289 | $4,159 |
| Harwood | N/A | N/A | N/A | N/A | N/A |
| Rosanky | N/A | N/A | N/A | N/A | N/A |
| Waelder | 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 | |
|---|---|
| Caldwell Appraisal District | |
| Website | esearch.caldwellcad.org |
Frequently Asked Property Tax Questions in Caldwell County, Texas
How are property taxes calculated in Caldwell County, Texas?
How do I appeal my property taxes in Caldwell County, Texas?
What property tax exemptions are available in Caldwell County, Texas?
When are property taxes due in Caldwell County, Texas?
How can Ownwell help reduce my property taxes in Caldwell County, Texas?
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