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Mountain Home, Gillespie County, Texas Property Taxes

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Property Taxes in Mountain Home, Texas

  • Median Mountain Home, Texas effective property tax rate: 0.42%, significantly lower than the national median of 1.02%, and lower than the Texas state median of 1.48%.

  • Median Mountain Home, Texas home value: $216,860

  • Median annual Mountain Home, Texas tax bill: $840, $1,560 lower than the national median property tax bill of $2,400.

How are property taxes in Gillespie calculated?

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

Last Updated April 13, 2026

Mountain Home, Gillespie County, Texas Property Tax Bill Calculator

$100,000

$1,500,000

$3,000,000

Median Effective Tax Rate

0.42%

Estimate Property Tax Bill

$911

$845

How Does the Mountain Home Property Tax Calculator Work?

Use this Mountain Home property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Mountain Home's median effective tax rate of 0.42% — based on actual property records in Gillespie 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 Mountain Home'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 Mountain Home: rates range from 0.42% in 78058 to 0.42% in 78058, 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 Mountain Home.

About Mountain Home Property Taxes

About Property Taxes in Mountain Home, Gillespie, Texas

Mountain Home’s median effective property tax rate of 0.42% is lower than the Texas state median of 1.48% and lower than the national median of 1.02%. This rate reflects the Gillespie 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 Mountain Home. Homeowners in the 78058 ZIP code carry a median effective rate of 0.42%, while those in the 78058 pay 0.42%. This spread — 0.00 percentage points across the same city — reflects how school district boundaries and local assessment districts are drawn across Gillespie County. Understanding which part of Mountain Home you live in can make a meaningful difference to your annual tax bill.

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

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 Mountain Home, Gillespie 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 Mountain Home'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 Mountain Home, Gillespie County, Texas

Source: Ownwell

0.42%

0.73%

1.03%

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 Mountain Home Tax Rate

0.42%

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 Gillespie County Tax Rate

0.83%

Median Effective Texas Tax Rate

1.48%

Median Effective United States Tax Rate

1.02%

Property Tax Rates Across Mountain Home, Gillespie County, Texas

Zip10th Percentile25th PercentileMedian Tax Rate75th Percentile90th Percentile
780580.13%0.21%0.42%0.95%0.95%

Source: Ownwell

Property Tax Assessment Values Across Mountain Home, Gillespie County, Texas

When examining property taxes in Mountain Home, 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 Gillespie 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 Gillespie County, assessment notices are sent in the spring each year. They'll typically reach your mailbox by the middle of the month when notices are sent.

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 Mountain Home.

For example, the median home price in Mountain Home is $216,860, with tax bills ranging significantly across the county. 78058 has the highest median home price at $216,860.

Property Tax Assessment Values Across Mountain Home, Gillespie County, Texas

Source: Ownwell

$213,710

$352,750

$491,790

Median Mountain Home Market Value

$216,860

Median Gillespie County Market Value

$385,550

Median Texas Market Value

$258,851

Median United States Market Value

$235,294

Property Tax Assessment Values Across Mountain Home, Gillespie County, Texas

Zip10th Percentile25th PercentileMedian Home Price75th Percentile90th Percentile
78058$66,476$131,050$216,860$303,320$510,088

Source: Ownwell

Property Tax Bills Across Mountain Home, Gillespie County, Texas

Property tax bills in Mountain Home are based on the assessed value of a home and the local tax rates set by taxing authorities in Gillespie County. When a property’s market value changes, the assessed value can change too, which affects the final bill. For a home with a median market value of $216,860, the amount owed can vary widely depending on exemptions, local levies, and how the property is classified.

What homeowners pay is shaped by both the value of the home and the tax rate applied to that value. In Mountain Home, the 25th percentile tax bill is $374, while the 75th percentile is $1,447 and the 90th percentile is $2,256. The median tax bill is $840, which is well below the national median property tax bill of $2,400 and below the national median property tax rate of 1.02%. This means property taxes can be a manageable expense for many homeowners, but even small changes in assessed value can affect annual costs.

Property Tax Bills Across Mountain Home, Gillespie County, Texas

Source: Ownwell

$840

$1,719

$2,597

Median Mountain Home Tax Bill

$840

Median Gillespie County Tax Bill

$2,286

Median Texas Tax Bill

$3,441

Median United States Tax Bill

$2,400

Property Tax Bills Across Mountain Home, Gillespie County, Texas

Zip10th Percentile25th PercentileMedian Tax Bill75th Percentile90th Percentile
78058$123$374$840$1,447$2,256

Source: Ownwell

Don't miss the deadline to protest!

Frequently Asked Property Tax Questions in Mountain Home, Texas

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