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Texas Homestead Exemption Calculator

Estimate your Texas property tax with the $140,000 school homestead exemption, the extra $60,000 for seniors, and the 10% cap.

Updated November 4, 2026. Free, no sign-up; everything runs in your browser and nothing you type is stored.

Texas homestead exemption calculator (2026)

Appraised market value ($)Last year's homestead value ($, for the 10% cap)Age 65 or older, or disabled?School district rate (per $100)County, city and other rates (per $100)Local optional % exemption (0-20%)Local 65+ exemption ($, if any)

Estimated property tax

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–Saved vs no exemptions

–School homestead exemption

–Value after 10% cap

–School tax ceiling

The Texas homestead exemption after the 2025 vote

Texas voters approved all 17 constitutional amendments on November 4, 2025, including two that raise school property tax exemptions on homesteads, starting with the 2025 tax year (SB 4 and SJR 85):

General school homestead exemption: $140,000 (up from $100,000) off your home's value for school district taxes.
Age 65 or older, or disabled: an extra $60,000 (up from $10,000), so $200,000 in all off school taxes, plus a school tax ceiling that freezes your school tax at the amount for the year you qualified (except for improvements).
Counties, cities and special districts may offer an optional exemption of up to 20% of value (at least $5,000) and their own 65+ exemptions.

The 10% homestead cap

Once your home has a homestead exemption, its appraised value for tax can't rise more than 10% a year plus new improvements, even if the market value rises faster. Apply to your county appraisal district with Form 50-114; you can apply up to two years late and get the exemption back-dated.

Worked example

A $350,000 homestead with a $0.95 school rate and $1.00 of other rates per $100: school taxable value is $210,000 ($1,995), and other taxes are $3,500, for $5,495 a year, about $1,330 less than without the exemption. A 65+ owner takes off another $60,000 ($570 more saved). Compare with the Florida homestead exemption, or estimate escrow with the property tax calculator.

Common questions

How much is the Texas homestead exemption?

$140,000 off school district taxes, plus $60,000 more if you're 65 or older or disabled.

Is the Texas homestead exemption for 2025 or 2026?

The higher amounts apply from the 2025 tax year and continue in 2026.

What is the Texas homestead cap?

Appraised value for tax can rise no more than 10% a year plus improvements.

Which form do I file for a Texas homestead exemption?

Form 50-114 with your county appraisal district.

Sources

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General information, not financial, tax or legal advice. Check important numbers with the official source before acting on them.