Texas Doesn’t Collect State Income Tax Or Property Taxes
It's a very well-known fact in Texas that there are property taxes. The issue comes when people say that Texas has property taxes, because it is in direct correlation to the county you live in, not the state.
There are technically property taxes, but Texas doesn't have property taxes. There is no statewide property tax collected by the state government.
According to the Texas State Comptroller, the property taxes are assessed and locally administered. If you want lower property taxes, the counties, towns, and school districts are who set the rates and collect the money.
Imagine Living In Texas In An Expensive County And An HOA
According to World Population Review, Travis County in Austin has the highest median property taxes in 2025. This bustling city has slowed its roll recently from COVID buy-up levels on properties, so you would hope that might help the county lower its property taxes one day.
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Home ownership does get out of reach when you start adding all of the things to the price. If you buy a home without a mortgage, you will pay less in property taxes and insurance.
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There are lots of tricks that come with a mortgage, and property taxes being rolled into your loan, along with insurance, is something you might not think of when you get your first mortgage. That is why we get upset if there is an HOA in our Texas neighborhood; the monthly mortgage goes sky high with all of these additional fees and add-ons.
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