Lockhart, Caldwell County, Texas Property Taxes

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Property Taxes in Lockhart, Texas

Median Lockhart, Texas effective property tax rate: 1.24%, significantly higher than the national median of 1.02%, and lower than the Texas state median of 1.48%.
Median Lockhart, Texas home value: $274,160
Median annual Lockhart, Texas tax bill: $2,510, $110 higher than the national median property tax bill of $2,400.

How are property taxes in Caldwell calculated?

Property taxes in Lockhart, Texas 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 Lockhart's property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Lockhart, knowing local tax details benefits homeowners and investors.

Last Updated April 13, 2026

Lockhart, Caldwell County, Texas Property Tax Bill Calculator

Property Assessed Value

$100,000

$1,500,000

$3,000,000

Median Effective Tax Rate

1.24%

Estimate Property Tax Bill

$3,400

$3,155

How Does the Lockhart Property Tax Calculator Work?

Use this Lockhart property tax calculator to estimate your annual property tax bill. Enter your property’s assessed value and our calculator applies Lockhart’s median effective tax rate of 1.24% — based on actual property records in Caldwell County — to generate your estimate.

Enter your property’s estimated assessed value — the figure the local appraisal district uses to calculate your bill, which reflects any exemptions you hold and is typically lower than your home’s market value. Our calculator applies Lockhart’s median effective rate across all local levies, providing a more accurate estimate than applying a single county millage rate.

Your bill may vary by ZIP code within Lockhart: rates are 2510.00 in 78644, primarily due to differences in school district levies and local assessment districts.

For a more precise estimate, scroll down to explore ZIP code-level tax rate trends across Lockhart.

About Lockhart Property Taxes

About Property Taxes in Lockhart, Caldwell, Texas

Lockhart's median effective property tax rate of 1.24% is lower than the Texas state median of 1.48% and higher than the national median of 1.02%. This rate reflects the Caldwell County base levy combined with local school district levies and Municipal Utility Districts (MUDs) that vary by subdivision throughout the city.

Property tax rates are not uniform across Lockhart. Homeowners in the 78644 ZIP code carry a median effective rate of 1.24%, while those in the same ZIP also pay 1.24%. This spread reflects how school district boundaries and local assessment districts are drawn across Caldwell County. Understanding which part of Lockhart you live in can make a meaningful difference to your annual tax bill.

Lockhart homeowners who believe their assessed value is too high can file a formal appeal with the local Appraisal District before the May 15, 2026 deadline each year.

If your estimated bill above seems higher than expected, Ownwell can review your assessment and protest on your behalf. You only pay if we save you money.

Property Tax Rates Across Lockhart, Caldwell County, Texas

As noted earlier, local government entities set tax rates, which can vary widely within a state.

Why? Because annually, each county estimates its required budget to provide services and divides that by the total value of all taxable property within its jurisdiction. This calculation results in the property tax rate.

While there are votes and laws involved in setting tax rates and budgets, in a nutshell, this is the annual process.

Below, you can compare Lockhart's effective property tax rate to other cities in Texas and the median property tax rates in Texas and the U.S.

Property Tax Rates Across Lockhart, Caldwell County, Texas

Source: Ownwell

0.47%

0.94%

1.40%

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 Lockhart Tax Rate

1.24%

Median Effective Caldwell County Tax Rate

1.07%

Median Effective Texas Tax Rate

1.48%

Median Effective United States Tax Rate

1.02%

Property Tax Rates Across Lockhart, Caldwell County, Texas

Zip	10th Percentile	25th Percentile	Median Tax Rate	75th Percentile	90th Percentile
78644	0.24%	0.52%	1.24%	1.81%	2.03%

Source: Ownwell

Property Tax Assessment Values Across Lockhart, Caldwell County, Texas

When examining property taxes in Lockhart, Texas, 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 are sent in April each year and typically reach your mailbox by the middle of the month. Each property owner receives a notice that includes both the market value and assessed value, along with an estimate of your property tax bill.

For example, the median home price in Lockhart is $274,160, with tax bills ranging from $1,063 at the 25th percentile to $6,711 at the 90th percentile. The median tax bill is $2,510, slightly above the national median property tax bill of $2,400.

Property Tax Assessment Values Across Lockhart, Caldwell County, Texas

Source: Ownwell

$101,970

$230,352

$358,734

Median Lockhart Market Value

$274,160

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 Lockhart, Caldwell County, Texas

Zip	10th Percentile	25th Percentile	Median Home Price	75th Percentile	90th Percentile
78644	$42,680	$142,830	$274,160	$379,925	$596,744

Source: Ownwell

Property Tax Bills Across Lockhart, Caldwell County, Texas

Property tax bills in Lockhart are based on the assessed value of a home and the local tax rates set by taxing authorities in Caldwell County. When a property’s market value rises, the assessed value can increase as well, which can lead to a higher tax bill. For a home with a median market value of $274,160, the property tax burden can vary widely depending on exemptions, local rates, and the final assessed value used for taxation.

Homeowners in Lockhart may see bills that differ significantly from one property to another. The 25th percentile tax bill is $1,063, while the 75th percentile tax bill is $4,792 and the 90th percentile tax bill is $6,711. The median tax bill in the area is $2,510, which is above the national median property tax bill of $2,400. That means property taxes can have a noticeable impact on monthly housing costs, especially for homeowners whose assessed values are higher than expected.

Property Tax Bills Across Lockhart, Caldwell County, Texas

Source: Ownwell

$674

$1,824

$2,974

Median Lockhart Tax Bill

$2,510

Median Caldwell County Tax Bill

$1,813

Median Texas Tax Bill

$3,441

Median United States Tax Bill

$2,400

Property Tax Bills Across Lockhart, Caldwell County, Texas

Zip	10th Percentile	25th Percentile	Median Tax Bill	75th Percentile	90th Percentile
78644	$404	$1,063	$2,510	$4,792	$6,711

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 Lockhart, Texas

How are property taxes calculated in Lockhart, Texas?

Property taxes in Lockhart, Texas are calculated by multiplying your property's assessed value by the applicable tax rate set by local taxing authorities. The assessed value is determined by the county assessor and may differ from your property's market value depending on local assessment ratios and exemptions.

How do I appeal my property taxes in Lockhart, Texas?

To appeal your property taxes in Lockhart, Texas, you typically need to file a formal protest or appeal with your local appraisal district or assessor's office by the stated deadline. You'll need evidence such as comparable sales, a recent independent appraisal, or documentation of property condition issues. Ownwell can handle this entire process for you.

What property tax exemptions are available in Lockhart, Texas?

Common property tax exemptions in Lockhart, Texas include homestead exemptions for primary residences, senior citizen exemptions, veteran exemptions, and disability exemptions. Exemption amounts and eligibility requirements vary by county. Contact your local appraisal district or check Ownwell for details specific to your property.

When are property taxes due in Lockhart, Texas?

Property tax deadlines in Lockhart, Texas vary by county but typically include an assessment notice period in spring or early summer, followed by an appeal deadline, and a tax payment due date in the fall or winter. Check with your county assessor's office for specific dates in your area.

How can Ownwell help reduce my property taxes in Lockhart, Texas?

Ownwell provides professional property tax appeal services in Lockhart, Texas. Our team analyzes your assessment, gathers evidence, files all paperwork, and represents you at hearings — all with no upfront cost. You only pay a percentage of your savings if we successfully lower your tax bill.