How are property tax rates determined in Texas?

Property tax rates in Texas are set by each taxing district (municipality, school district, park district, library, etc.) based on their annual levy (the amount of tax revenue they need). The rate is calculated by dividing the levy by the total assessed value of all property in the district.

What is the composite tax rate?

The composite tax rate is the sum of all overlapping taxing district rates that apply to a specific property. A typical property may be taxed by several overlapping districts. The composite rate determines your total tax bill when multiplied by your property's assessed value.

Why do tax rates vary within the same town?

Properties within the same municipality can have different composite rates because overlapping districts (school, park, fire, library) have different boundaries. A home in one school district may have a different rate than a home two blocks away in a different school district.

Temple, TX Property Tax Rate 2026 — Full Breakdown by District

Showing latest tax year with year-over-year changes. Full rate history available with a paid plan. View plans →

Property Tax — Tax Year 2025 (payable 2026)i

TX Comptroller

Composite Ratei

1.88%–2.29%+0.5%YoY

Varies by school district

Municipal Portioni

0.6999%+11.7%YoY33.5% of total

Effective Ratei

1.88%–2.29%

Est. Annual Taxi

$5K–$5K

Median Home Valuei

$239,000

Total Leviedi

$550.8M

Tax Per Capitai

$913

Rate varies by school district. Your actual rate depends on which school district your property falls in.

Rate Trend — click a year to explorei

20242025

Municipal

Other Districts

Where Your Tax Dollar Goesi

$0.56 Salado ISD

$0.56 Bartlett ISD

$0.55 Belton ISD

$0.55 Academy ISD

$0.54 Temple ISD

$0.51 Rosebud-Lott ISD

$0.50 Moody ISD

$0.50 Rogers ISD

$0.49 Florence ISD

$0.49 Lampasas ISD

$0.48 Holland ISD

$0.43 Gatesville ISD

$0.42 Killeen ISD

$0.39 Bruceville-Eddy ISD

$0.39 Troy ISD

$0.36 Copperas Cove ISD

$0.34 City of Temple

$0.16 Bell County

$0.05 Central Texas College District

Estimated Tax by Home Valuei

$100K

$1,884–$2,294

$150K

$2,826–$3,441

$200K

$3,769–$4,587

$250K

$4,711–$5,734

$300K

$5,653–$6,881

$350K

$6,595–$8,028

$400K

$7,537–$9,175

Highlighted value is closest to median home value ($239K)

19 Overlapping Taxing Districtsi

Salado ISDUnit K-12i

55.9%1.1669%

$22.7M levied

Bartlett ISDUnit K-12i

55.5%1.1604%

$903K levied

Belton ISDUnit K-12i

55%1.1494%

$72.7M levied

Academy ISDUnit K-12i

55%1.1489%

$9.7M levied

Temple ISDUnit K-12i

54.4%1.1372%

$84.8M levied

Rosebud-Lott ISDUnit K-12i

51%1.0662%

$219K levied

Moody ISDUnit K-12i

50.2%1.0482%

$952K levied

Rogers ISDUnit K-12i

49.8%1.0402%

$4.2M levied

Florence ISDUnit K-12i

48.7%1.0182%

$1.4M levied

Lampasas ISDUnit K-12i

48.6%1.0152%

$154K levied

Holland ISDUnit K-12i

47.7%0.9969%

$2.4M levied

Gatesville ISDUnit K-12i

42.9%0.8969%

$13K levied

Killeen ISDUnit K-12i

42%0.8778%

$109.6M levied

Bruceville-Eddy ISDUnit K-12i

38.7%0.8079%

$38K levied

Troy ISDUnit K-12i

38.7%0.8074%

$8.5M levied

Copperas Cove ISDUnit K-12i

36.3%0.7575%

$869K levied

City of Templei

33.5%0.6999%

$81.8M levied

Bell Countyi

15.9%0.3317%

$134.4M levied

Central Texas College Districti

4.6%0.0952%

$15.4M levied