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Laguna Vista, Cameron County, Texas Property Taxes

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Property Taxes in Laguna Vista, Texas

  • Median Laguna Vista, Texas effective property tax rate: 1.28%, significantly higher than the national median of 1.02%, and lower than the Texas state median of 1.48%.

  • Median Laguna Vista, Texas home value: $286,304

  • Median annual Laguna Vista, Texas tax bill: $3,729, $1,329 higher than the national median property tax bill of $2,400.

How are property taxes in Cameron calculated?

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

Last Updated April 13, 2026

Laguna Vista, Cameron County, Texas Property Tax Bill Calculator

$100,000

$1,500,000

$3,000,000

Median Effective Tax Rate

1.28%

Estimate Property Tax Bill

$3,665

$3,401

SAVE WITH OWNWELL

$774

Average Annual Tax Savings

How Does the Laguna Vista Property Tax Calculator Work?

Use this Laguna Vista property tax calculator to estimate your annual tax bill. Enter your property's assessed value and our calculator applies Laguna Vista's median effective tax rate of 1.28% — 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 Laguna Vista'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 Laguna Vista: rates range from 1.28% in 78578 to 1.28% in 78578, primarily due to differences in school district levies and local assessment districts.

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

About Laguna Vista Property Taxes

About Property Taxes in Laguna Vista, Cameron, Texas

Laguna Vista’s median effective property tax rate of 1.28% is lower 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 Laguna Vista. Homeowners in the 78578 ZIP code carry a median effective rate of 1.28%, while those in the same ZIP code also pay 1.28%. This spread reflects how school district boundaries and local assessment districts are drawn across Cameron County. Understanding which part of Laguna Vista you live in can make a meaningful difference to your annual tax bill.

Laguna Vista 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 Laguna Vista, 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 Laguna Vista'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 Laguna Vista, 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 Laguna Vista Tax Rate

1.28%

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 Laguna Vista, Cameron County, Texas

Zip10th Percentile25th PercentileMedian Tax Rate75th Percentile90th Percentile
785780.52%0.82%1.28%1.89%1.96%

Source: Ownwell

Property Tax Assessment Values Across Laguna Vista, Cameron County, Texas

When examining property taxes in Laguna Vista, 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 April each year.

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 Laguna Vista, the median home price is $286,304, and the median property tax bill is $3,729, compared with the national median property tax rate of 1.02% and the national median property tax bill of $2,400. Tax bills range significantly across the county, from $1,955 at the 25th percentile to $7,201 at the 90th percentile. The highest median home price is in 78578 at $286,304.

Property Tax Assessment Values Across Laguna Vista, Cameron County, Texas

Source: Ownwell

$13,508

$221,167

$428,825

Median Laguna Vista Market Value

$286,304

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 Laguna Vista, Cameron County, Texas

Zip10th Percentile25th PercentileMedian Home Price75th Percentile90th Percentile
78578$167,615$205,217$286,304$383,069$497,138

Source: Ownwell

Property Tax Bills Across Laguna Vista, Cameron County, Texas

Property tax bills in Laguna Vista are based on the assessed value of a home, which is then multiplied by the local tax rate. For homeowners, that means a higher market value can lead to a larger tax bill, even when the home itself has not changed. In Laguna Vista, the median home price is $286,304, and the median tax bill is $3,729, which is above the national median property tax bill of $2,400 and the national median property tax rate of 1.02%.

Tax bills can vary widely across homeowners, with bills at the 25th percentile at $1,955 and at the 75th percentile at $5,426. At the 90th percentile, bills reach $7,201, showing how much assessed value and local tax rates can affect what homeowners owe.

Ownwell helps homeowners lower property tax bills by reviewing assessments and identifying opportunities to appeal overassessments or claim exemptions, which can reduce what you pay each year.

Property Tax Bills Across Laguna Vista, Cameron County, Texas

Source: Ownwell

$219

$3,444

$6,669

Median Laguna Vista Tax Bill

$3,729

Median Cameron County Tax Bill

$1,458

Median Texas Tax Bill

$3,441

Median United States Tax Bill

$2,400

Property Tax Bills Across Laguna Vista, Cameron County, Texas

Zip10th Percentile25th PercentileMedian Tax Bill75th Percentile90th Percentile
78578$1,052$1,955$3,729$5,426$7,201

Source: Ownwell

Don't miss the deadline to protest!

Frequently Asked Property Tax Questions in Laguna Vista, Texas

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