How are property tax rates determined in Texas?

Property tax rates in Texas are set by each taxing district (municipality, school district, park district, library, etc.) based on their annual levy (the amount of tax revenue they need). The rate is calculated by dividing the levy by the total assessed value of all property in the district.

What is the composite tax rate?

The composite tax rate is the sum of all overlapping taxing district rates that apply to a specific property. A typical property may be taxed by several overlapping districts. The composite rate determines your total tax bill when multiplied by your property's assessed value.

Why do tax rates vary within the same town?

Properties within the same municipality can have different composite rates because overlapping districts (school, park, fire, library) have different boundaries. A home in one school district may have a different rate than a home two blocks away in a different school district.

Tool, TX Property Tax Rate 2026 — Full Breakdown by District

Showing latest tax year with year-over-year changes. Full rate history available with a paid plan. See products & pricing →

Property Tax — Tax Year 2025 (payable 2026)i

TX Comptroller

Composite Ratei

1.49%–1.99%+3.7%YoY

Varies by school district

Municipal Portioni

0.3751%+0%YoY21.6% of total

Effective Ratei

1.49%–1.99%

Est. Annual Taxi

$3K–$4K

Median Home Valuei

$213,300

Total Leviedi

$168.1M

Tax Per Capitai

$838

Rate varies by school district. Your actual rate depends on which school district your property falls in.

Rate Trend — click a year to explorei

20242025

Municipal

Other Districts

Where Your Tax Dollar Goesi

$0.67 Kemp ISD

$0.61 Brownsboro ISD

$0.61 Athens ISD

$0.55 Van ISD

$0.54 Mabank ISD

$0.54 Cross Roads ISD

$0.53 Frankston ISD

$0.53 Malakoff ISD

$0.52 Eustace ISD

$0.50 Trinidad ISD

$0.47 LaPoynor ISD

$0.38 Murchison ISD

$0.22 City of Tool

$0.19 Henderson County

$0.07 Trinity Valley CC District

Estimated Tax by Home Valuei

$100K

$1,487–$1,994

$150K

$2,231–$2,991

$200K

$2,974–$3,987

$250K

$3,718–$4,984

$300K

$4,461–$5,981

$350K

$5,205–$6,978

$400K

$5,948–$7,975

Highlighted value is closest to median home value ($213K)

15 Overlapping Taxing Districtsi

Kemp ISDUnit K-12i

67.4%1.1735%

$2.6M levied

Brownsboro ISDUnit K-12i

60.9%1.0595%

$12.6M levied

Athens ISDUnit K-12i

60.7%1.0569%

$22.4M levied

Van ISDUnit K-12i

54.5%0.9490%

$184K levied

Mabank ISDUnit K-12i

54.4%0.9469%

$16.5M levied

Cross Roads ISDUnit K-12i

53.9%0.9373%

$3.2M levied

Frankston ISDUnit K-12i

52.9%0.9204%

$1.3M levied

Malakoff ISDUnit K-12i

52.7%0.9169%

$28.7M levied

Eustace ISDUnit K-12i

51.8%0.9008%

$11.4M levied

Trinidad ISDUnit K-12i

50.3%0.8750%

$597K levied

LaPoynor ISDUnit K-12i

46.7%0.8125%

$2.2M levied

Murchison ISDUnit K-12i

38.3%0.6669%

$423K levied

City of Tooli

21.6%0.3751%

$2.0M levied

Henderson Countyi

19%0.3315%

$47.5M levied

Trinity Valley CC Districti

6.5%0.1137%

$16.4M levied