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Arroyo City, Cameron County, Texas Property Taxes

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Property Taxes in Arroyo City, Texas

  • Median Arroyo City, Texas effective property tax rate: 1.60%, significantly higher than the national median of 1.02%, and higher than the Texas state median of 1.48%.

  • Median Arroyo City, Texas home value: $120,440

  • Median annual Arroyo City, Texas tax bill: $2,005, lower than the national median property tax bill of $2,400.

How are property taxes in Cameron calculated?

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

Last Updated April 13, 2026

Arroyo City, Cameron County, Texas Property Tax Bill Calculator

$100,000

$1,500,000

$3,000,000

Median Effective Tax Rate

1.6%

Estimate Property Tax Bill

$1,927

$1,788

SAVE WITH OWNWELL

$774

Average Annual Tax Savings

How Does the Arroyo City Property Tax Calculator Work?

Use this Arroyo City property tax calculator to estimate your annual tax bill. Enter your property's assessed value and our calculator applies Arroyo City's median effective tax rate of 1.60% — based on actual property records in Cameron 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 Arroyo City'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 Arroyo City: rates range from local differences in school district levies and assessment districts, which can change your final estimate.

Arroyo City's median effective tax rate is higher than Texas's 1.48% median and above the national median property tax rate of 1.02%. The median property tax bill is $2,005, which is $395 lower than Texas's median bill and below the national median property tax bill of $2,400.

If your estimate is higher than expected, Ownwell can appeal your Arroyo City assessment — you only pay if we save you money.

About Arroyo City Property Taxes

About Property Taxes in Arroyo City, Cameron, Texas

Arroyo City’s median effective property tax rate of 1.60% is higher than the Texas state median of 1.48% and higher than the national median of 1.02%. This rate reflects the Cameron County base levy combined with local school district levies and Municipal Utility Districts that vary by subdivision throughout the city.

Property tax rates are not uniform across Arroyo City. Homeowners in the same area can see different tax bills depending on how school district boundaries and local assessment districts are drawn across Cameron County. Understanding where a home sits within the county can make a meaningful difference to the annual bill.

The median property tax bill in Arroyo City is $2,005, which is lower than the national median bill of $2,400. For homeowners with a higher-than-expected assessed value, the appeal deadline is May 15, 2026.

If your estimated bill 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 Arroyo City, Cameron 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 Arroyo City’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 Arroyo City, Cameron County, Texas

Source: Ownwell

0.27%

1.31%

2.36%

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 Arroyo City Tax Rate

1.60%

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 Cameron County Tax Rate

1.33%

Median Effective Texas Tax Rate

1.48%

Median Effective United States Tax Rate

1.02%

Property Tax Rates Across Arroyo City, Cameron County, Texas

Zip10th Percentile25th PercentileMedian Tax Rate75th Percentile90th Percentile

Source: Ownwell

Property Tax Assessment Values Across Arroyo City, Cameron County, Texas

When examining property taxes in Arroyo City, 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 Cameron 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 Cameron 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. For Arroyo City, the median home price is $120,440, and the median tax bill is $2,005, compared with the national median property tax bill of $2,400. Tax bills can vary widely across the county, from $555 at the 25th percentile to $4,348 at the 90th percentile.

Property Tax Assessment Values Across Arroyo City, Cameron County, Texas

Source: Ownwell

$13,508

$221,167

$428,825

Median Arroyo City Market Value

$120,440

Median Cameron County Market Value

$155,094

Median Texas Market Value

$258,851

Median United States Market Value

$235,294

Property Tax Assessment Values Across Arroyo City, Cameron County, Texas

Zip10th Percentile25th PercentileMedian Home Price75th Percentile90th Percentile

Source: Ownwell

Property Tax Bills Across Arroyo City, Cameron County, Texas

How are property tax bills calculated in Arroyo City?

Property tax bills in Arroyo City are based on the assessed value of a home and the local tax rate set by Cameron County and other taxing authorities. When a home’s market value rises, the assessed value can increase too, which may lead to a higher tax bill. For homeowners, that means the amount owed can change from year to year even if nothing about the property itself has changed.

How much do homeowners pay in property taxes?

The median home price in Arroyo City is $120,440, and property tax bills vary widely. The 25th percentile tax bill is $555, while the 75th percentile is $3,477 and the 90th percentile reaches $4,348. Compared with the national median property tax rate of 1.02% and national median property tax bill of $2,400, local bills can be lower or much higher depending on the home’s assessed value.

How can Ownwell help?

Ownwell helps homeowners review their assessments, identify savings opportunities, and appeal overassessed property taxes to help reduce what they owe.

Property Tax Bills Across Arroyo City, Cameron County, Texas

Source: Ownwell

$219

$3,444

$6,669

Median Arroyo City Tax Bill

$2,005

Median Cameron County Tax Bill

$1,458

Median Texas Tax Bill

$3,441

Median United States Tax Bill

$2,400

Property Tax Bills Across Arroyo City, Cameron County, Texas

Zip10th Percentile25th PercentileMedian Tax Bill75th Percentile90th Percentile

Source: Ownwell

Don't miss the deadline to protest!

Frequently Asked Property Tax Questions in Arroyo City, Texas

How are property taxes calculated in Arroyo City, Texas?
Property taxes in Arroyo City, 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 Arroyo City, Texas?
To appeal your property taxes in Arroyo City, 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 Arroyo City, Texas?
Common property tax exemptions in Arroyo City, 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 Arroyo City, Texas?
Property tax deadlines in Arroyo City, 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 Arroyo City, Texas?
Ownwell provides professional property tax appeal services in Arroyo City, 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.