Rate Breakdown

Property taxes in Lubbock County are calculated by multiplying the assessed value (minus exemptions) by the total local millage rate.

How Property Tax Works in Lubbock County

Property taxes in Lubbock County are based on the assessed value of your property and the combined tax rates (millage rates) set by local taxing entities, including the county, school districts, and municipalities. Here’s how the process works:

• Assessment: The Lubbock Central Appraisal District (LCAD) determines the market value of your property annually as of January 1st. This value is used to calculate your tax bill.
• Tax Rates: Taxing entities set their individual rates per $100 of assessed value. For example, if your home is valued at $200,000 and the combined tax rate is 2.5%, your annual tax would be $5,000.
• Tax Calculation: Your final tax bill is calculated by applying exemptions (if eligible) and multiplying the taxable value by the total tax rate.

Available Exemptions

Lubbock County offers several property tax exemptions to reduce taxable value for qualifying homeowners:

• Homestead Exemption: Available to primary residents, this exemption reduces your home’s taxable value by a fixed amount (e.g., $40,000 for school taxes).
• Senior Citizen Exemption: Homeowners aged 65+ may qualify for additional school tax exemptions and frozen tax ceilings.
• Disability Exemption: Disabled homeowners may receive similar benefits to seniors, including potential school tax reductions.
• Veteran Exemptions: Disabled veterans or surviving spouses may qualify for partial or full exemptions based on disability rating.

Applications for exemptions must be filed with the LCAD by April 30th of the tax year.

Payment Schedule & Deadlines

Lubbock County property taxes are due annually, with the following key dates and options:

• Deadline: Taxes are due by January 31st of the following year. Payments postmarked by this date avoid penalties.
• Installments: Homeowners aged 65+ or with disabilities may pay in four installments (Jan. 31, March 31, May 31, and July 31) without penalty.
• Late Payments: Delinquent taxes incur a 6% penalty in February, with an additional 1% interest per month thereafter. Unpaid taxes may lead to liens or foreclosure.

Payments can be made online, by mail, or in person at the Lubbock County Tax Office.

Appealing Your Assessment

If you believe your property’s assessed value is inaccurate, you can appeal to the LCAD:

• Deadline: File a protest by May 15th (or 30 days after the appraisal notice is mailed, whichever is later).
• Process: Submit evidence (e.g., recent sales of comparable properties, repair estimates) to support your claim. Informal reviews or formal hearings with the Appraisal Review Board (ARB) are available.
• Outcome: If successful, your taxable value will be adjusted, potentially lowering your tax bill.

For assistance, contact the LCAD or consult a property tax professional.