30Y Mortgage7.24% Gold$3,919.8 Silver$49.59 Platinum$1,422 Palladium$955 BRK.B$556.11 ▲2.51%JPM$340.58 ▲1.05%LLY$1,410.99 ▼0.46%V$425.51 ▲2.88%WMT$127.69 ▲3.38%ORCL$119.22 ▼8.76%MA$658.10 ▲3.15%XOM$179.67 ▼4.05%JNJ$270.56 ▼0.97%TSM$398.63 ▼1.85%BTC$77,615 ▲1.04%ETH$2,284.33 ▲1.60%BNB$696.69 ▲0.11%XRP$1.27 ▲2.02%SOL$93.2 ▲1.80%TRX$0.32 ▲2.09%ZEC$1,203.82 ▲4.51%HYPE$85.17 ▲1.88%XMR$629 ▲3.69%DOGE$0.08 ▲1.76%30Y Mortgage7.24% Gold$3,919.8 Silver$49.59 Platinum$1,422 Palladium$955 BRK.B$556.11 ▲2.51%JPM$340.58 ▲1.05%LLY$1,410.99 ▼0.46%V$425.51 ▲2.88%WMT$127.69 ▲3.38%ORCL$119.22 ▼8.76%MA$658.10 ▲3.15%XOM$179.67 ▼4.05%JNJ$270.56 ▼0.97%TSM$398.63 ▼1.85%BTC$77,615 ▲1.04%ETH$2,284.33 ▲1.60%BNB$696.69 ▲0.11%XRP$1.27 ▲2.02%SOL$93.2 ▲1.80%TRX$0.32 ▲2.09%ZEC$1,203.82 ▲4.51%HYPE$85.17 ▲1.88%XMR$629 ▲3.69%DOGE$0.08 ▲1.76%

Buying a home in Texas

Property taxes, transfer taxes, home values and first-time buyer help in Texas.

For home buyers in Texas: the taxes and typical costs of buying, with official sources.

Effective property tax rate
1.49%
Median tax $4,232 ÷ median value $283,800 (ACS 2020–2024)
Typical home value
$296,424
Zillow ZHVI, 2026-09
State transfer tax
0%
Usually paid by: negotiable. Tex. Ins. Code Title 11 (promulgated title rates); no transfer-tax statute exists. Official source. Local taxes may add more.
Estimated buyer closing costs Estimate
$3,200–$4,900
On a $296,424 home: typical lender fees + title insurance + deed recording (TallyClose) + the buyer’s share of transfer/recording taxes. Excludes prepaids, escrow and local taxes.

At Texas's effective rate of 1.49%, a typical $296,424 home would owe about $4,417/year ($368/month) in property taxes. Actual bills depend on your county, city and exemptions. Run your numbers.

First-time homebuyer programs

Texas Department of Housing and Community Affairs

Your state housing finance agency offers down payment assistance and low-rate mortgages for eligible buyers. Visit Texas Department of Housing and Community Affairs →

Next steps

Cheapest & priciest ZIPs in TexasZIP codes ranked by typical home valueTexas first-time buyer programsDown payment assistance from the state HFAPayment on a typical Texas home$296,424 home at your state's tax rateMortgage rates today30-year fixed at 7.24%

Sources: U.S. Census Bureau ACS 2020–2024 5-year (B25103, B25077); Zillow Home Value Index; TallyClose closing-cost dataset (CC BY 4.0), which cites each state statute; NCSHA HFA directory. Last updated 2026-11-01.

Common questions

What is the property tax rate in Texas?

The effective property tax rate in Texas is 1.49%: the median tax of $4,232 divided by the median home value of $283,800 (U.S. Census Bureau ACS 2020–2024).

What is a typical home value in Texas?

$296,424 in September 2026, according to the Zillow Home Value Index.

Does Texas have a real estate transfer tax?

No. Texas has no state real estate transfer tax, although recording fees apply and some local governments may add their own taxes.

Who offers first-time homebuyer help in Texas?

Texas Department of Housing and Community Affairs, the state housing finance agency, offers down payment assistance and lower-rate loans for eligible buyers.

Updated . Official sources: U.S. Census Bureau ACS, Zillow Research ZHVI.

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