Stephens County, Texas Property Taxes
Property Taxes in Stephens County, Texas
Median Stephens County effective property tax rate: 1.50%, significantly higher than the national median of 1.02%.
Median Stephens County home value: $94,580
Median annual Stephens County tax bill: $1,122, lower than the national median property tax bill of $2,400.
How are property taxes in Stephens County calculated?
Property taxes in Stephens 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 Stephens County or another part of Stephens County, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
Stephens County, Texas Property Tax Bill Calculator
$100,000
$1,500,000
$3,000,000
Median Effective Tax Rate
1.5%
Estimate Property Tax Bill
$1,419
$1,317
How Does the Stephens County Property Tax Calculator Work?
Use this Stephens County property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Stephens County's median effective tax rate of 1.50% to generate your estimate.
Enter your property's estimated assessed value — the figure the appraisal district assigns for tax purposes, which is typically lower than market value after applicable exemptions. Our calculator uses the median effective rate for a more accurate estimate than the statutory millage rate alone.
Your actual bill may vary based on your specific exemptions, local school district levies, and any special assessment districts that apply to your property. Stephens County's median tax rate is higher than the Texas median tax rate of 1.48%, while the county's median tax bill of $1,122 is lower than the Texas median tax bill by $1,278.
For a more precise estimate, scroll down to explore city and ZIP code-level tax rate trends across Stephens County.
Property Tax Rates Across Stephens County, Texas
What Are Effective Property Tax Rates Across Stephens County?
Local government entities set tax rates, which vary widely across Stephens 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 Stephens County's effective property tax rate to other counties in Texas or the U.S. median of 1.02%.
Stephens County's median effective rate stands at 1.50%, which is higher than the national median of 1.02%. Within Stephens County, the highest rate is found in Breckenridge at 1.53%, while Graham has the lowest at 1.16%.
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 Stephens County Tax Rate
1.50%
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 Stephens County, Texas
| City | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| Breckenridge | 0.46% | 0.84% | 1.53% | 2.24% | 2.64% |
| Graham | 0.42% | 0.81% | 1.16% | 1.34% | 1.63% |
| Ranger | 0.45% | 0.54% | 1.23% | 1.63% | 1.63% |
| Caddo | N/A | N/A | N/A | N/A | N/A |
| Cisco | N/A | N/A | N/A | N/A | N/A |
| Moran | N/A | N/A | N/A | N/A | N/A |
| Woodson | N/A | N/A | N/A | N/A | N/A |
Source: Ownwell
Property Tax Assessment Values Across Stephens County, Texas
When examining property taxes in Stephens 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 Stephens 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 Stephens 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 Stephens County.
For example, the median tax bill in Stephens County is $1,122, compared with the national median property tax bill of $2,400. Tax bills range significantly across the county, with Graham showing the highest median home price at $418,275 and a median tax bill of $3,519, while Ranger has the lowest median tax bill at $688.
Median Stephens County Market Value
$94,580
Median Texas Market Value
$258,851
Median United States Market Value
$235,294
Property Tax Assessment Values Across Stephens County, Texas
| City | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| Breckenridge | $18,875 | $46,838 | $92,800 | $162,888 | $254,030 |
| Graham | $41,400 | $168,792 | $418,275 | $594,122 | $808,375 |
| Ranger | $21,910 | $49,820 | $98,530 | $182,192 | $253,821 |
| Caddo | N/A | N/A | N/A | N/A | N/A |
| Cisco | N/A | N/A | N/A | N/A | N/A |
| Moran | N/A | N/A | N/A | N/A | N/A |
| Woodson | N/A | N/A | N/A | N/A | N/A |
Source: Ownwell
Property Tax Bills Across Stephens County, Texas
Property tax bills in Stephens County are based on the assessed value of a home, not its market price alone. Local taxing authorities apply tax rates to that assessed value to determine the annual bill, so two homes with similar market values can still owe different amounts if their assessments or exemptions differ.
The county’s median home price is $94,580, and property tax bills can vary widely across homeowners. The 25th percentile bill is $534, while the 75th percentile bill is $2,150 and the 90th percentile reaches $3,695. That spread shows how location, property characteristics, and local tax rates can significantly affect what a homeowner pays.
Some areas in the county see much higher bills than others. Graham has the highest median tax bill at $3,519, while Ranger has the lowest median tax bill at $688. For homeowners, this means a property tax bill can have a major impact on annual housing costs, especially when assessments rise faster than expected.
Median Stephens County Tax Bill
$1,122
Median Texas Tax Bill
$3,441
Median United States Tax Bill
$2,400
Property Tax Bills Across Stephens County, Texas
| City | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| Breckenridge | $271 | $532 | $1,105 | $2,076 | $3,518 |
| Graham | $308 | $1,305 | $3,519 | $5,966 | $8,064 |
| Ranger | $323 | $426 | $688 | $867 | $3,349 |
| Caddo | N/A | N/A | N/A | N/A | N/A |
| Cisco | N/A | N/A | N/A | N/A | N/A |
| Moran | N/A | N/A | N/A | N/A | N/A |
| Woodson | N/A | N/A | N/A | N/A | N/A |
Source: Ownwell
Don't miss the deadline to protest!
Dates | |
|---|---|
| Appeal Deadline | May 15 |
Links | |
|---|---|
| Stephens Appraisal District | |
| Website | stephenscad.southwestdatasolutions.com |