Rate Breakdown

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

How Property Tax Works in Montgomery County

In Montgomery County, Texas, property taxes are based on the appraised value of your property as determined by the Montgomery Central Appraisal District (MCAD). The process involves:

• Assessment: MCAD evaluates your property annually, considering market value, location, and improvements.
• Tax Rates: Rates (millage) are set by local taxing entities like schools, cities, and counties. For example, a rate of 2.5% means $2.50 per $100 of assessed value.
• Calculation: Tax = (Appraised Value - Exemptions) × (Total Tax Rate / 100).

Tax bills are mailed in October, with payments due by January 31 of the following year.

Available Exemptions

Montgomery County offers several exemptions to reduce taxable value:

• Homestead Exemption: Primary residents can deduct a portion of their home’s value (e.g., $25,000 for school taxes).
• Senior Citizen Exemption: Homeowners aged 65+ qualify for additional school tax exemptions and may defer payments.
• Disability Exemption: Disabled residents receive similar benefits to seniors, including potential tax freezes.
• Veteran Exemptions: Veterans with service-related disabilities may qualify for partial or full exemptions based on disability rating.

Apply through MCAD by April 30. Documentation (e.g., proof of age or disability) is required.

Payment Schedule & Deadlines

Montgomery County property taxes are due January 31 each year. Key details:

• Installments: Homeowners may pay in four installments (Jan. 31, March 31, May 31, and July 31) without penalty if they opt in by January 31.
• Late Payments: Delinquent taxes incur a 6% penalty in February, plus 1% monthly interest (up to 12%). After July, legal action may begin.
• Payment Methods: Pay online, by mail, or in person at the Montgomery County Tax Office.

Seniors or disabled homeowners may defer payments until the property is sold, though interest still accrues.

Appealing Your Assessment

If you believe your property is overvalued, follow these steps:

• File a Protest: Submit a protest to MCAD by May 15 (or 30 days after your appraisal notice, whichever is later).
• Evidence: Provide comparable sales, repair estimates, or photos to support your claim.
• Hearings: Attend an informal meeting with MCAD. If unresolved, request a formal hearing with the Appraisal Review Board (ARB).
• Further Appeals: If dissatisfied with the ARB’s decision, you may file a lawsuit in district court.

Consult a property tax professional for complex cases. Deadlines are strict, so act promptly.