Bandera County, TX Property Tax: $2,347/yr (2026)
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The effective property tax rate in Bandera County is 0.94% of assessed home value. On a home at the county median value of $249,800, that works out to about $2,348 per year, or $196 per month. Bandera County is located in southern Texas, and is home to approximately 21,589 residents.
About Bandera County
Bandera County covers approximately 791.0 square miles in Texas. The county is home to about 21,589 residents living in roughly 11,507 housing units, of which 67.0% are owner-occupied. The median household income is $69,703, and the median home was built in 1996.
Bandera County borders Bexar County, Kendall County, Kerr County, Medina County — useful comparisons if you're considering nearby areas with potentially different tax rates.
How Property Taxes Work in Texas
Property taxes in Texas are administered at the county level. Each county sets a millage rate applied to the assessed value of real property — the effective rate above accounts for any partial assessments and exemptions already built into the local tax base. Assessed value can differ meaningfully from current market value depending on how often the county reassesses and what fraction of market value it uses.
Most counties in Texas offer exemptions that reduce the taxable assessed value: homestead exemptions for primary residences, senior exemptions, disability exemptions, and veteran exemptions are common. These reduce your effective rate below the county-wide average shown here. Contact the Bandera County Assessor's office to learn which exemptions apply to your property and when to file.
Bandera County vs. Neighboring Counties
| Location | Eff. Rate | Median Home | Annual Tax |
|---|---|---|---|
| Bandera County, TX | 0.94% | $249,800 | $2,348 |
| Texas state average | 1.28% | — | $3,197* |
| Bexar County | 1.81% | $244,100 | $4,429 |
| Kendall County | 1.20% | $489,800 | $5,890 |
| Kerr County | 1.09% | $285,100 | $3,115 |
| Medina County | 1.31% | $220,000 | $2,881 |
| US national average | 1.10% | $281,900 | $3,101 |
*State average annual tax computed at Bandera County's median home value of $249,800. Source: US Census ACS 2023 5-year estimates.
Frequently Asked Questions
How does Bandera County's property tax rate compare to the rest of Texas?
At 0.94%, Bandera County is lower than the Texas state average of 1.28%. On a home at the county median of $249,800, that means about $2,348 per year — versus $3,197 at the state average rate, a difference of $849 per year. Compared to the national average of 1.10%, Bandera County is below average.
What's a typical annual property tax bill in Bandera County?
For a home at the county median value of $249,800, the annual property tax in Bandera County is approximately $2,348 — or about $196 per month. For a home worth $374,700, expect around $3,522 per year. For a $499,600 home, approximately $4,696 per year. Use the calculator above to estimate taxes for any assessed value.
Where do I appeal a Bandera County property tax assessment?
Property assessment appeals in Bandera County are handled by the Bandera County Assessor's office. Most jurisdictions require filing within 30–90 days of receiving your assessment notice — confirm the specific deadline with the assessor's office before submitting, as deadlines and procedures vary by county. A successful appeal can reduce your assessed value and lower your tax bill for the current and future tax years.
What exemptions are available in Bandera County?
Texas counties commonly offer homestead exemptions for owner-occupied primary residences, senior citizen exemptions for qualifying homeowners aged 65 and older, exemptions for disabled residents, and veterans' exemptions. Each exemption reduces your assessed taxable value, which in turn reduces your effective tax rate below the county-wide 0.94% shown here. Contact the Bandera County Assessor's office to confirm which exemptions are available and the application deadlines.
Data sources: US Census Bureau ACS 2023 5-Year Estimates, US Census Gazetteer (2024), County Adjacency File