Resources - Texas United Mortgage

Free Texas Homestead Exemption Calculator

Written by Reef Merhi | Aug 25, 2026, 8:47:30 PM

 

For Texas homeowners, a homestead exemption helps reduce the property tax burden by lowering your primary residence’s taxable value. Additional exemptions are also available for seniors age 65 or older, disabled individuals, and veterans.

Use our free calculator below to get an idea of your property savings before filing for a homestead exemption.

Estimate Your Savings With Our Texas Homestead Exemption Calculator

Our simple calculator estimates how statewide homestead exemptions may reduce your property’s taxable value and potential tax savings.

To use this calculator:

  • Enter your home’s appraised value.
  • Enter your combined property tax rate, which you’ll find on your latest property tax bill. For many Texas homeowners, combined rates range from 1.7% to 2.5%.
  • Choose the homestead exemptions that apply to you.
  • Click “Calculate Savings” to see your estimated annual, monthly, and 10-year savings.

Texas Homestead Exemption Calculator

Estimate how much your Texas residence homestead exemption may reduce your property taxes using the combined property tax rate shown on your tax bill.

2026 calculator rules: Includes the $140,000 mandatory school district residence homestead exemption and, when applicable, the additional $60,000 age-65 or disabled school district exemption.
$
Enter the appraised value before homestead exemptions.
%
Find the combined rate on your latest property tax bill. If you do not know it, the calculator starts with a 2.00% planning estimate.
Age-65 and qualifying disabled homeowners receive an additional $60,000 mandatory school district exemption.

Your Estimated Homestead Tax Savings

Estimated annual property tax savings $0 Based on the combined property tax rate entered above.
Estimated monthly savings $0
Estimated 10-year savings $0
Exempt value applied $0
 
Estimated reduction in taxable value 0%
 
 
This is a simplified savings estimate. It applies the combined property tax rate to the exemption amount selected above. Actual savings may differ because the statewide $140,000 residence homestead exemption applies to school district taxes, while cities, counties and special districts may provide different local exemptions.

 

General Estimates Only: This estimator tool provides a general estimate without calculating your complete property tax bill. Your actual savings may differ depending on various factors, such as your local tax rates, city and county tax rates, appraisal caps, and applicable exemptions. Verify the numbers with your lender, county appraisal district, or tax professional for accurate estimates.

Homestead Exemptions in Texas

If you’re a Texas homeowner who owns and occupies your home as your principal residence, you likely qualify for a residence homestead exemption.

Here are some of the most common homestead exemptions in Texas:

  • General Residence Homestead: This provides a $140,000 exemption from your property’s appraised value for school district taxes. Local taxing units may also grant an additional homestead exemption of up to 20% of the home’s appraised value.
  • Age 65 or Older or Disabled Persons: Eligible seniors and disabled homeowners receive an extra $60,000 homestead exemption plus a school tax ceiling.
  • Disabled Veterans and Surviving Spouses: Eligible Texas veterans may receive partial or full property tax exemptions based on their disability rating.

Once your property qualifies for a homestead exemption, an appraisal cap takes effect, limiting increases in the appraised value of your property to 10% per year.

To file for a homestead exemption, visit your county appraisal district’s official site, complete the application form, and submit the required supporting documents.

 

Remember: Apply for the homestead exemption as soon as the property becomes your primary residence. The deadline for filing is April 30 to claim the exemption for the current tax year.

Get Personalized Assistance

After using our Texas homestead exemption calculator, your next step is to understand how property taxes affect your mortgage payment.

If you’re preparing to buy a new home or refinance your current mortgage, our licensed loan officers will guide you throughout the application process.

Reach out to us today to get started!
View full post