Understanding Property Taxes in San Antonio, TX: What Every Owner Should Know

Owning property in San Antonio comes with its fair share of responsibilities, one of the most significant being property taxes. Unlike many other states, Texas does not have a state property tax. Instead, local governments such as cities, counties, and school districts set their own tax rates. This decentralized approach means that property taxes can vary even between neighborhoods within San Antonio. Whether you're a longtime homeowner or buying your first home, understanding how property taxes work is crucial to managing your finances effectively.

​

How Property Taxes Are Calculated in San Antonio

Property taxes in San Antonio are calculated using a straightforward formula:

Appraised Value × Local Tax Rate = Property Tax Due

Each year, the Bexar County Appraisal District (BCAD) determines the market value of your property as of January 1. This is known as the appraised value, and it's meant to reflect the price your property would sell for on the open market.

​

Who Sets the Tax Rate?

The local taxing entities such as the City of San Antonio, Bexar County, local school districts (like Northside ISD or San Antonio ISD), and special districts (like the University Health System) each set a tax rate. These rates are expressed per $100 of appraised value.

For example, if your home is valued at $250,000 and your local tax rate is 2.7%, your annual property tax would be:

($250,000 / 100) × 2.7 = $6,750

​

What Do San Antonio Property Taxes Pay For?

While Texas doesn’t have a state-level property tax, San Antonio’s local governments depend heavily on this revenue stream to fund essential services. Here are some areas where your property tax dollars go:

Public Schools

School districts like Northside ISD, Northeast ISD, and others often account for the largest portion of your tax bill.

Police and Fire Departments

Property taxes help fund the San Antonio Police and Fire Departments, ensuring neighborhoods remain safe.

Road and Infrastructure Maintenance

Your tax dollars contribute to street repairs, traffic signals, sidewalks, and drainage improvements throughout San Antonio.

Public Parks and Libraries

San Antonio’s parks system and public libraries are supported by property taxes, maintaining community spaces for recreation and learning.

Local Government Services

This includes waste collection, public health services, animal care services, code enforcement, and more.

​

Homestead Exemptions and Other Ways to Save in San Antonio

San Antonio property owners have access to several exemptions that can reduce their tax burden.

Homestead Exemption

If the property is your primary residence, you may qualify for a homestead exemption. Both the City of San Antonio and Bexar County offer homestead exemptions that lower your home’s taxable value.

Over-65 Exemption

Homeowners aged 65 and older can receive additional exemptions and a cap on school district taxes, which prevents them from increasing.

Disability Exemption

Homeowners with disabilities may qualify for similar relief as seniors, reducing their annual tax obligations.

Veteran Exemptions

San Antonio honors its veterans with various property tax exemptions, especially for disabled veterans and their surviving spouses.

To apply for any of these exemptions, visit the Bexar County Appraisal District website. Deadlines usually fall around April 30 each year.

​

Protesting Your Property Tax Appraisal in San Antonio

If you believe BCAD has overvalued your property, you can protest your appraisal and possibly reduce your tax bill.

When to File a Protest

You typically have until May 15 or 30 days after your notice is sent, whichever is later.

Evidence You Can Use

• Comparable sales from similar San Antonio homes

• Photos of property damage or needed repairs

• A third-party appraisal report

The Protest Process

BCAD offers an online informal protest system. If no agreement is reached, you can schedule a formal hearing with the Appraisal Review Board (ARB).

​

Need Help Filing a Protest?

If you're too busy or unsure about handling your property tax protest on your own, consider using Home Tax Shield, a service that will file your protest and represent you during the process for a fee. It’s a convenient option for busy homeowners.

Click here to learn more and start your protest with Home Tax Shield.

​

Paying Your Property Taxes in San Antonio

Property tax bills are usually mailed in October, and payment is due by January 31 of the following year.

 

Payment Options

• Escrow Accounts through your mortgage lender

• Direct Payments to the Bexar County Tax Assessor-Collector

• Payment Plans are available through the Tax Office

• Early Payment Discounts may be available, so check each year

Late payments result in penalties and interest starting February 1.

​

Staying Informed All Year Round in San Antonio

​

Review Your Appraisal Notice Annually

BCAD sends annual appraisal notices in the spring. Review these carefully.

Keep Track of Exemption Deadlines

Set calendar reminders to apply for or renew exemptions before the April 30 deadline.

Attend Local Public Hearings

Local taxing authorities, such as the City of San Antonio and the school district, host public hearings before finalizing tax rates. These are your chances to get involved.

​

Understanding the Role of the Bexar County Appraisal District (BCAD)

BCAD is responsible for appraising all real property in Bexar County, including San Antonio. While it doesn’t set tax rates or collect taxes, its values are the foundation for tax bills.

​

What Happens If You Don’t Pay Your Property Taxes?

Delinquent taxes in San Antonio result in a lien against your property and may lead to foreclosure if left unresolved.

Penalties and Interest

Unpaid taxes begin accruing penalties and interest as of February 1, growing monthly.

Tax Sales

Bexar County may eventually sell your property at a tax foreclosure sale if taxes remain unpaid.

Tax Deferrals for Seniors and Disabled Homeowners in San Antonio

Bexar County allows eligible seniors and disabled homeowners to defer taxes until the home is sold or the homeowner passes. This doesn’t erase the tax bill but prevents foreclosure.

​

Special Tax Considerations for San Antonio Rental Properties

Rental homes do not qualify for homestead exemptions. Be sure to review your annual appraisals to avoid overpaying.

Need help managing your San Antonio rental? Our property management services help ensure compliance and maximize returns.

​

Buying or Selling Property in San Antonio? Know the Tax Implications

When you sell a home in San Antonio, property taxes are typically prorated at closing. Buyers should investigate any current exemptions and potential future tax increases.

How to Apply for a Mortgage With San Antonio Taxes in Mind

Your lender will include estimated San Antonio property taxes when calculating your loan. This impacts how much home you can afford.

Get started with our mortgage pre-approval tool to understand your budget.

Where to Search for San Antonio Homes With Favorable Tax Rates

Some San Antonio neighborhoods offer lower tax rates than others. Use our available properties page to explore listings that fit your budget and lifestyle.

Referring a Property Owner? There Are Rewards

Know someone looking to rent out their property in San Antonio? Refer them through our owner referral program and earn rewards.

Ready to Make a Move?

Whether you're buying, selling, or renting, having a knowledgeable local team makes all the difference. Check out our easy application process and take the next step in your San Antonio real estate journey.

​

Final Thoughts

Understanding property taxes in San Antonio is essential for all homeowners. Know how your taxes are calculated, what exemptions you may qualify for, and how to protest an overvaluation.

Staying informed can save you money and help you plan for the future. Whether managing investment properties or buying your first home, a trusted real estate partner is your best ally. For more information, contact the Bexar County Appraisal District or consult a local real estate professional.