Put in a sale price and pick the city and school district. The check lays out an estimated tax statement line by line from Travis County’s published rates, the basic owner’s title premium from the Texas Department of Insurance formula, and whether the City of Austin and TSAHC down payment programs are worth a look.
| Taxing unit | Rate per $100 | Taxable value | Tax |
|---|---|---|---|
| Total a year | |||
Owner’s title policy, basic premium
City of Austin down payment help
TSAHC down payment help
Texas Property Tax for Austin Homeowners →The Texas Homestead Exemption →Closing Costs in Texas →Down Payment Assistance for Austin Buyers →
Estimates only, from Travis County’s 2025 rates, Tax Code 11.13 and TDI’s 2026 title rates. See Texas Property Tax for Austin Homeowners: Rates, Deadlines and Protests for how the bill works.
How the check works
Tax rates are the adopted rates for the 2025 tax year from Travis County’s Truth in Taxation summary, per $100 of taxable value. Austin ISD had not adopted a 2026 rate when we read the table, so the check uses 2025 for every unit. The City of Austin’s adopted rate for 2026 is higher, 0.579948.
The check uses the sale price as the taxable value. In practice the appraisal district sets the value as of January 1, and a homestead is capped at a 10 percent increase a year after the first year, so your bill can differ. With the homestead box ticked it subtracts the $140,000 school exemption required by Tax Code Section 11.13(b), and with the 65 or older box the extra $60,000. Local percentage exemptions that some units add are not included.
Round Rock and Cedar Park lie partly in Williamson County, which publishes its own rates; the check only knows Travis County’s. Municipal utility districts and emergency services districts add their own rate on some addresses. Look up the property’s record with the appraisal district for the full list.
The title premium is the basic premium for an owner’s policy on the TDI schedule effective March 1, 2026: for $100,001 to $1,000,000, subtract $100,000, multiply by 0.00494 and add $780. When a loan policy is bought at the same time, TDI says it is issued at $100.
The down payment lines are a first screen only. The City of Austin program is for first-time buyers in the full purpose city limits, at or below 80% of median family income, with a price no higher than $440,000. TSAHC offers up to 5% assistance with its 30-year fixed loans and requires a credit score of 620. Both require homebuyer education.