Rate Breakdown

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

How Property Tax Works in Rockwall County

Property taxes in Rockwall County are based on the appraised value of your property, determined annually by the Rockwall Central Appraisal District (RCAD). The process involves:

• Assessment: RCAD evaluates your property's market value as of January 1 each year. You will receive a notice of appraised value by May or June.
• Tax Rates (Millage Rates): Local taxing entities, such as schools, cities, and the county, set their own rates. These rates are applied to your property's taxable value (appraised value minus exemptions).
• Tax Calculation: Your tax bill is calculated by multiplying the taxable value by the combined tax rates of all applicable entities.

Available Exemptions

Texas offers several property tax exemptions to reduce your taxable value. Key exemptions available in Rockwall County include:

• Homestead Exemption: Available to homeowners who use their property as their primary residence. It reduces your taxable value by a percentage set by the county (e.g., $25,000 for school taxes).
• Senior Citizen Exemption: For homeowners aged 65+, this exemption provides additional reductions and may freeze school tax amounts.
• Disability Exemption: Available to disabled homeowners, offering similar benefits to the senior exemption.
• Veteran Exemptions: Disabled veterans may qualify for partial or full exemptions based on disability rating, while surviving spouses of veterans may also be eligible.

Apply for exemptions through RCAD by submitting the required forms, typically due by April 30.

Payment Schedule & Deadlines

Rockwall County property taxes are due by January 31 of the following year. Key details include:

• Payment Options: Pay in full or in installments (if eligible). Installment plans require an initial payment by January 31, with subsequent payments due by March 31, May 31, and July 31.
• Late Payments: Delinquent taxes accrue penalties (up to 12%) and interest (1% per month). Unpaid taxes may result in a tax lien or foreclosure.
• Discounts: Early payments (by October 31) may qualify for a small discount, depending on county policies.

Appealing Your Assessment

If you believe your property is overvalued, you can appeal to RCAD. Follow these steps:

• File a Protest: Submit a protest form by May 15 (or 30 days after receiving your appraisal notice, whichever is later).
• Evidence: Gather supporting documents, such as recent sales of comparable properties or repair estimates.
• Hearing: Present your case to the Appraisal Review Board (ARB), which will issue a decision.
• Further Appeals: If dissatisfied, you may pursue binding arbitration or file a lawsuit in district court.

Act promptly, as deadlines are strict. Consult RCAD’s website or a tax professional for guidance.