Ratcliff, Houston County, Texas Property Taxes

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Property Taxes in Ratcliff, Texas

Median Ratcliff, 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 Ratcliff, Texas home value: $94,960
Median annual Ratcliff, Texas tax bill: $996, $1,404 lower than the national median property tax bill of $2,400.

How are property taxes in Houston calculated?

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

Last Updated April 13, 2026

Ratcliff, Houston 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

$1,178

$1,093

How Does the Ratcliff Property Tax Calculator Work?

Use this Ratcliff property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Ratcliff's median effective tax rate of 1.24% — based on actual property records in Houston 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 Ratcliff'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 Ratcliff: rates range from 1.24% in 75858 to 1.24% in 75858, 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 Ratcliff.

About Ratcliff Property Taxes

About Property Taxes in Ratcliff, Houston, Texas

Ratcliff’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 Houston County base levy combined with local school district levies and other local taxing entities that can affect what homeowners pay.

Property tax rates are not uniform across Ratcliff. Homeowners in the 75858 ZIP code carry a median effective rate of 1.24%, and the same ZIP code also reflects a median tax bill of $996. That consistency shows how local taxing jurisdictions can shape the annual bill even within a small area.

Ratcliff 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 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 Ratcliff, Houston 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 Ratcliff'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 Ratcliff, Houston County, Texas

Source: Ownwell

1.04%

1.26%

1.47%

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 Ratcliff Tax Rate

1.24%

Median Effective Houston County Tax Rate

1.37%

Median Effective Texas Tax Rate

1.48%

Median Effective United States Tax Rate

1.02%

Property Tax Rates Across Ratcliff, Houston County, Texas

Zip	10th Percentile	25th Percentile	Median Tax Rate	75th Percentile	90th Percentile
75858	0.87%	1.06%	1.24%	1.28%	1.28%

Source: Ownwell

Property Tax Assessment Values Across Ratcliff, Houston County, Texas

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

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 example, the median home price in Ratcliff is $94,960, with the highest median home price in 75858 at $94,960.

Property Tax Assessment Values Across Ratcliff, Houston County, Texas

Source: Ownwell

$86,970

$103,975

$120,980

Median Ratcliff Market Value

$94,960

Median Houston County Market Value

$104,115

Median Texas Market Value

$258,851

Median United States Market Value

$235,294

Property Tax Assessment Values Across Ratcliff, Houston County, Texas

Zip	10th Percentile	25th Percentile	Median Home Price	75th Percentile	90th Percentile
75858	$16,617	$42,312	$94,960	$145,995	$224,550

Source: Ownwell

Property Tax Bills Across Ratcliff, Houston County, Texas

Property tax bills in Ratcliff are based on the assessed value of a home and the local tax rates set by taxing authorities in Houston County. When a property’s market value changes, the assessed value can change too, which affects the final bill homeowners receive. For Ratcliff homeowners, the median home price is $94,960, and the median property tax bill is $996, which is below the national median property tax bill of $2,400 and reflects a lower-than-average tax burden.

Several factors influence the amount owed, including the home’s assessed value, applicable exemptions, and the combined rates from local jurisdictions. Bills can vary widely across the area, with the 25th percentile at $379 and the 75th percentile at $1,724. At the higher end, the 90th percentile reaches $2,577, showing how different property values and tax rates can affect homeowners.

Property Tax Bills Across Ratcliff, Houston County, Texas

Source: Ownwell

$922

$1,248

$1,573

Median Ratcliff Tax Bill

$996

Median Houston County Tax Bill

$1,485

Median Texas Tax Bill

$3,441

Median United States Tax Bill

$2,400

Property Tax Bills Across Ratcliff, Houston County, Texas

Zip	10th Percentile	25th Percentile	Median Tax Bill	75th Percentile	90th Percentile
75858	$190	$379	$996	$1,724	$2,577

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
Houston Appraisal District
Website	www.houstoncad.org

Frequently Asked Property Tax Questions in Ratcliff, Texas

How are property taxes calculated in Ratcliff, Texas?

Property taxes in Ratcliff, 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 Ratcliff, Texas?

To appeal your property taxes in Ratcliff, 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 Ratcliff, Texas?

Common property tax exemptions in Ratcliff, 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 Ratcliff, Texas?

Property tax deadlines in Ratcliff, 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 Ratcliff, Texas?

Ownwell provides professional property tax appeal services in Ratcliff, 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.