Comal County, Texas Property Taxes
Property Taxes in Comal County, Texas
Median Comal County effective property tax rate: 0.96%, significantly lower than the national median of 1.02%.
Median Comal County home value: $400,680
Median annual Comal County tax bill: $3,558, $1,158 lower than the national median property tax bill of $2,400.
How are property taxes in Comal County calculated?
Property taxes in Comal 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 Comal County or another part of Comal County, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
Comal County, Texas Property Tax Bill Calculator
$100,000
$1,500,000
$3,000,000
Median Effective Tax Rate
0.96%
Estimate Property Tax Bill
$3,847
$3,569
$774
Average Annual Tax Savings
How Does the Comal County Property Tax Calculator Work?
Use this Comal County property tax calculator to estimate your annual tax bill. Enter your property's assessed value and our calculator applies Comal County's median effective tax rate of 0.96% — 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 Comal County — scroll down to explore city-level trends and find the rate specific to your area.
Comal County's median property tax bill is $3,558, which is $1,158 lower than Texas. If your estimate is higher than expected, Ownwell can protest your Comal County assessment.
Property Tax Rates Across Comal County, Texas
What Are Effective Property Tax Rates Across Comal County?
Local government entities set tax rates, which vary widely across Comal 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 Comal County's effective property tax rate to other counties in Texas or the U.S. median of 1.02%.
Comal County's median effective rate stands at 0.96%, which is lower than the national median of 1.02%. Within Comal County, the highest rate is found in Bulverde at 1.22%, while Fischer has the lowest at 0.59%.
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 Comal County Tax Rate
0.96%
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 Comal County, Texas
| City | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| Boerne | 0.31% | 0.51% | 0.76% | 1.06% | 1.40% |
| Bulverde | 0.38% | 0.71% | 1.22% | 1.71% | 2.33% |
| Canyon Lake | 0.12% | 0.29% | 0.83% | 1.49% | 1.49% |
| Cibolo | 0.31% | 0.87% | 1.16% | 1.85% | 1.85% |
| Fair Oaks Ranch | 0.37% | 0.51% | 0.90% | 1.03% | 1.27% |
| Fischer | 0.18% | 0.35% | 0.59% | 1.39% | 1.49% |
| Garden Ridge | 0.44% | 0.59% | 0.79% | 1.01% | 1.45% |
| New Braunfels | 0.29% | 0.65% | 1.02% | 1.56% | 1.77% |
| San Antonio | 0.39% | 0.60% | 0.85% | 1.10% | 1.45% |
| San Marcos | 0.15% | 0.33% | 0.80% | 1.49% | 1.49% |
| Schertz | 0.33% | 0.67% | 1.10% | 1.76% | 1.85% |
| Spring Branch | 0.17% | 0.40% | 0.73% | 1.49% | 1.49% |
| Wimberley | 0.16% | 0.24% | 0.36% | 0.87% | 1.49% |
| Bergheim | N/A | N/A | N/A | N/A | N/A |
| Blanco | N/A | N/A | N/A | N/A | N/A |
| Marion | N/A | N/A | N/A | N/A | N/A |
| Selma | 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 Comal County, Texas
When examining property taxes in Comal 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 Comal 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 Comal 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 Comal County.
For example, the median tax bill in Comal County is $3,558, compared with the national median property tax bill of $2,400. Tax bills range significantly across the county, with Garden Ridge showing the highest median home price at $859,195.
Median Comal County Market Value
$400,680
Median Texas Market Value
$258,851
Median United States Market Value
$235,294
Property Tax Assessment Values Across Comal County, Texas
| City | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| Boerne | $337,760 | $485,000 | $701,060 | $812,025 | $929,399 |
| Bulverde | $112,432 | $318,280 | $443,670 | $614,652 | $859,790 |
| Canyon Lake | $51,307 | $112,715 | $300,130 | $523,232 | $844,438 |
| Cibolo | $252,855 | $296,455 | $347,175 | $407,078 | $451,584 |
| Fair Oaks Ranch | $460,572 | $552,630 | $604,952 | $658,200 | $698,080 |
| Fischer | $100,150 | $309,320 | $447,200 | $549,900 | $731,446 |
| Garden Ridge | $439,855 | $747,192 | $859,195 | $998,540 | $1,142,147 |
| New Braunfels | $133,770 | $273,018 | $392,640 | $604,425 | $906,040 |
| San Antonio | $404,604 | $570,861 | $733,295 | $886,795 | $1,095,358 |
| San Marcos | $57,034 | $148,885 | $365,420 | $539,135 | $812,060 |
| Schertz | $38,666 | $270,350 | $331,060 | $414,200 | $462,084 |
| Spring Branch | $60,888 | $151,305 | $443,640 | $747,865 | $982,914 |
| Wimberley | $178,740 | $233,555 | $391,870 | $1,165,895 | $2,611,294 |
| Bergheim | N/A | N/A | N/A | N/A | N/A |
| Blanco | N/A | N/A | N/A | N/A | N/A |
| Marion | N/A | N/A | N/A | N/A | N/A |
| Selma | 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 Comal County, Texas
Property tax bills in Comal County are based on the assessed value of a home and the local tax rates set by taxing entities. When a property’s market value rises, the assessed value can increase too, which can raise the tax bill even if the homeowner has not made any changes to the home. For homeowners in Comal County, the median home price is $400,680, and tax bills can vary widely depending on location and assessment.
The 25th percentile tax bill is $1,382, while the 75th percentile is $6,070 and the 90th percentile is $8,888. That means many homeowners pay well above the national median property tax bill of $2,400. Garden Ridge has the highest median tax bill at $6,636, while Canyon Lake has the lowest at $1,841.
Ownwell can help homeowners lower their property tax bills by reviewing assessments, identifying overvaluation, and filing appeals to challenge unfair taxes.
Median Comal County Tax Bill
$3,558
Median Texas Tax Bill
$3,441
Median United States Tax Bill
$2,400
Property Tax Bills Across Comal County, Texas
| City | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| Boerne | $1,310 | $2,722 | $4,909 | $7,175 | $10,009 |
| Bulverde | $1,111 | $2,460 | $4,635 | $7,472 | $10,178 |
| Canyon Lake | $139 | $608 | $1,841 | $4,507 | $7,723 |
| Cibolo | $815 | $2,351 | $4,276 | $5,450 | $6,997 |
| Fair Oaks Ranch | $2,152 | $3,218 | $5,055 | $6,110 | $7,174 |
| Fischer | $433 | $1,270 | $2,586 | $4,677 | $6,892 |
| Garden Ridge | $2,503 | $4,763 | $6,636 | $8,783 | $12,424 |
| New Braunfels | $615 | $1,943 | $3,953 | $6,167 | $8,826 |
| San Antonio | $1,796 | $3,513 | $5,992 | $8,469 | $11,039 |
| San Marcos | $191 | $592 | $2,046 | $4,171 | $7,311 |
| Schertz | $376 | $1,423 | $3,316 | $4,956 | $6,140 |
| Spring Branch | $208 | $927 | $2,749 | $5,630 | $8,515 |
| Wimberley | $465 | $726 | $3,059 | $4,019 | $6,628 |
| Bergheim | N/A | N/A | N/A | N/A | N/A |
| Blanco | N/A | N/A | N/A | N/A | N/A |
| Marion | N/A | N/A | N/A | N/A | N/A |
| Selma | 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 Comal County property taxes?
How Can I Lower My Property Taxes in Comal County?
Looking to reduce your Comal County property taxes? Ownwell is the leading property tax appeal company serving Comal County. We specialize in helping property owners in the New Braunfels area and beyond lower their tax bills by working directly with the Comal County Appraisal District.
Through our tax monitoring service, we collect all necessary information to maximize your tax reductions. We navigate the complexities of the Comal 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
Homeowners in Comal County can protest their property tax assessments when they believe their market value is too high or their property has been classified incorrectly. The process starts with a notice from the Appraisal District, and the appeal must be filed by May 15, 2026. Once the protest is submitted, the case is reviewed through the county’s formal property tax appeal process.
What does the protest process involve? Homeowners can present evidence showing why the assessed value should be reduced, such as comparable sales, condition issues, or errors in the property record. The appeal is then heard by the Appraisal Review Board, which listens to the evidence from both the homeowner and the Appraisal District. This board is the group that decides whether the assessment should stay the same or be changed.
What are the possible outcomes? The board may lower the assessed value, keep it unchanged, or in some cases correct other details tied to the property record. A successful protest can reduce the amount of property taxes owed, while an unsuccessful one leaves the assessment in place.
How can Ownwell help? Ownwell helps homeowners navigate the appeal process by reviewing their assessment, identifying potential savings, preparing a strong protest, and representing them through the hearing process. With expert support, homeowners can challenge an unfair property tax assessment with confidence and improve their chances of a better outcome.
Exemptions in Texas
What property tax exemptions are available in Comal County, Texas?
Comal County homeowners may qualify for several property tax exemptions that can reduce the amount of property tax owed on a primary residence. The most important is the homestead exemption, which applies to a homeowner’s principal residence and can lower the taxable value of the home. This exemption is especially valuable for owners who live in the property full time and want to reduce their annual tax burden.
Other exemptions may be available for homeowners who meet specific eligibility requirements, including exemptions for seniors, people with disabilities, and certain surviving spouses. Each exemption is separate, and homeowners should review the requirements carefully to understand which ones they may qualify for. A primary residence exemption is not the same as a disability exemption or a senior exemption, so it is important to apply for each one individually if eligible.
How do homeowners apply for exemptions in Comal County?
Homeowners typically apply through the local appraisal district by submitting the required exemption application and supporting documents. The process can vary depending on the exemption type, but it generally requires proof of ownership and proof that the home is the owner’s primary residence when applying for a homestead exemption.
Ownwell can help homeowners identify every exemption they may qualify for, prepare the application, and make sure nothing is missed. That can make it easier to take advantage of available property tax savings and ensure the home receives the exemptions it deserves.
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 | |
|---|---|
| Comal Appraisal District | |
| Website | esearch.comalad.org |