San Antonio Property Tax Calculator – Bexar County 2024 Rates, Exemptions & ZIP Code Lookup
Estimate your annual San Antonio property tax bill instantly. This free online calculator uses 2024 Bexar County rates, applies homestead, senior, and disability exemptions, and lets you select your school district by area — so you get the most accurate estimate possible without logging into BCAD.
Enter your property's appraised value and select your area to estimate your total San Antonio / Bexar County property tax bill for 2024.
San Antonio Property Tax Calculator — How It Works
This free San Antonio property tax calculator online gives you a fast, accurate estimate of your annual Bexar County property tax bill using 2024 published rates. Unlike calculators that use only a single blended rate, this tool breaks down your tax by each individual taxing entity — the City of San Antonio, Bexar County, your school district, and special districts — so you understand exactly what you're paying and why.
You can use the three tabs to run a basic estimate, apply your specific exemptions (homestead, senior, disabled, veteran), or compare San Antonio property tax rates against Austin, Houston (Harris County), and Williamson County side by side.
San Antonio Property Tax Rate 2024 — What You're Actually Paying
Property tax in San Antonio is not a single rate — it is the sum of several separate taxing jurisdictions, each setting its own rate. For most San Antonio homeowners inside the city limits, the combined 2024 rate breaks down as follows:
| Taxing Entity | 2024 Rate (per $100) | Notes |
|---|---|---|
| City of San Antonio | $0.3379 | City services, police, fire, parks |
| Bexar County | $0.2899 | County services, courts, roads |
| San Antonio ISD (example) | $0.8592 | Varies by school district — largest component |
| San Antonio River Authority | $0.0182 | Flood control & river management |
| Alamo Community College | $0.1492 | Community college district |
| University Health System | $0.2764 | Hospital district |
| VIA Metro Transit | $0.0625 | Public transportation |
| Typical Combined Rate | ~$1.99–$2.25 | Varies by location and school district |
The school district rate is the single largest component of your property tax bill — and it varies depending on which district serves your address. Northside ISD, North East ISD, and San Antonio ISD all have different rates, which is why your ZIP code matters when calculating your exact San Antonio property tax.
San Antonio Property Tax Rate by ZIP Code — Key Areas
Because school districts draw boundaries that do not always match city or ZIP code lines, the San Antonio property tax rate by ZIP code can vary meaningfully even within a few miles. The table below shows approximate combined rates for common San Antonio ZIP code areas based on 2024 data:
| ZIP Code / Area | Primary School District | Est. Combined Rate (per $100) | Annual Tax on $350K Home* |
|---|---|---|---|
| 78201–78209 (Central SA) | San Antonio ISD | ~$2.09 | ~$5,617 |
| 78213–78230 (North Central) | North East ISD | ~$2.06 | ~$5,537 |
| 78240–78254 (Northwest) | Northside ISD | ~$2.01 | ~$5,402 |
| 78244–78259 (Northeast) | North East ISD / Judson ISD | ~$2.08 | ~$5,590 |
| 78220–78222 (East SA) | East Central ISD | ~$2.12 | ~$5,698 |
| 78211–78224 (South SA) | South SA ISD / Harlandale | ~$2.15 | ~$5,779 |
| 78148–78154 (Converse area) | Judson ISD | ~$2.19 | ~$5,886 |
| 78130–78132 (New Braunfels) | Comal ISD | ~$1.89 | ~$5,080 |
*Annual tax estimate assumes no exemptions applied. Rates are approximate 2024 combined rates and may vary within ZIP code boundaries depending on MUD, PID, or other special district levies.
San Antonio Homestead Exemption — How Much Can You Save?
Texas offers some of the most generous homestead exemptions in the country, and San Antonio / Bexar County residents can stack several of them. A homestead exemption reduces the taxable value of your primary residence — directly lowering your annual property tax bill. Here is what is available to San Antonio homeowners in 2024:
2024 San Antonio / Bexar County Homestead Exemptions
The school district homestead exemption of $100,000 is the most impactful — since school taxes are the largest component of your bill, removing $100,000 from that taxable value generates the biggest savings. For a $350,000 home in San Antonio ISD, the school district exemption alone saves approximately $859 per year at the 2024 SAISD rate.
Homeowners age 65 or older receive an additional benefit: a school tax freeze (also called a tax ceiling) that locks your school district tax at whatever amount you paid in the year you turned 65. Even if your home's appraised value increases, your school district tax cannot rise above that frozen amount for as long as you own and occupy the home.
How to Calculate Your San Antonio Property Tax — Step by Step
- Find your appraised value. Look up your property on the Bexar Appraisal District website (bcad.org) or check your most recent appraisal notice. Texas law caps annual appraisal increases at 10% for homestead properties.
- Subtract your exemptions. Apply the school district exemption ($100,000 if homestead), county exemption (20% of value if homestead), and any senior, disabled, or veteran exemptions that apply.
- Multiply by each taxing entity's rate. For each jurisdiction (city, county, school district, etc.), divide your taxable value by 100 and multiply by that entity's rate.
- Add all entity taxes together. The sum of all jurisdiction taxes is your total annual property tax bill.
- Divide by 12 for your monthly escrow amount if paying through a mortgage.
Worked example: A $400,000 San Antonio home in Northside ISD with homestead exemption:
| Entity | Taxable Value After Exemption | Rate | Tax |
|---|---|---|---|
| School District (Northside ISD) | $300,000 (−$100,000) | $0.8514 | $2,554 |
| Bexar County | $320,000 (−20%) | $0.2899 | $928 |
| City of San Antonio | $395,000 (−$5,000) | $0.3379 | $1,335 |
| Alamo Community College | $395,000 (−$5,000) | $0.1492 | $589 |
| University Health System | $400,000 | $0.2764 | $1,106 |
| VIA Metro / River Authority | $400,000 | $0.0807 | $323 |
| Total Annual Tax | ~$6,835 | ||
| Monthly Escrow | ~$570/mo |
San Antonio Property Tax Rate Map — Understanding Bexar County Districts
The San Antonio property tax rate map reflects the layered nature of Texas property taxation. Bexar County contains 19 independent school districts, multiple municipal utility districts (MUDs), public improvement districts (PIDs), and special purpose districts — each with its own taxing authority. The rate you pay depends on the specific combination of districts that overlap your property's location.
Properties in incorporated cities like San Antonio, Converse, Live Oak, Schertz, or Helotes include that city's tax rate in addition to county and school taxes. Properties in unincorporated Bexar County skip the city rate but may be in a MUD or PID that adds its own levy. Some newer subdivisions carry additional MUD debt taxes that can add $0.20–$0.80 per $100 to the base rate for 10–20 years until district bonds are paid off.
For the most precise rate for your exact address, use the Bexar County Tax Assessor-Collector's online tool at bexar.org or the BCAD property search at bcad.org, where you can look up any parcel's full tax rate breakdown.
Harris County Property Tax Calculator — How It Compares to San Antonio
Harris County (Houston) is one of the most-searched property tax topics in Texas. The combined property tax rate in Harris County varies significantly by city and school district — Houston ISD, Cypress-Fairbanks ISD, and Katy ISD all have different rates within the same county. The average effective property tax rate in Harris County is approximately 1.9%–2.3% of market value, which is generally slightly higher than Bexar County's average effective rate of around 1.8%–2.1%.
One key difference: Harris County has a larger number of Municipal Utility Districts (MUDs) in suburban areas, which can add $0.50–$1.00 per $100 to the base rate in newer communities in Katy, Sugar Land, or The Woodlands area. San Antonio's suburban MUD rates are typically lower. On a $400,000 home, you might pay $500–$1,000 more annually in many Harris County suburban ZIP codes compared to comparable San Antonio neighborhoods.
Williamson County Property Tax Calculator — Cedar Park, Round Rock, Georgetown
Williamson County (north of Austin, covering Round Rock, Cedar Park, Georgetown, and Leander) has seen some of the fastest-rising home values in Texas, which has pushed effective tax bills sharply higher even as jurisdictions cut their nominal rates. The combined effective rate in Williamson County cities typically runs between 1.9%–2.4% depending on the school district.
Williamson County benefits from rapid growth and strong commercial tax base, but the high appraised values that come with it mean absolute dollar amounts are among the highest in Texas. A $500,000 home in Cedar Park (Leander ISD) might carry a tax bill of $9,000–$11,000 per year before exemptions, compared to a similar-value San Antonio home that might be taxed at $7,500–$9,500 with exemptions applied.
Property Tax Austin Calculator — Travis County Rates
Austin (Travis County) property taxes have attracted national attention as home values surged. The City of Austin's 2024 rate is approximately $0.4463 per $100, and when combined with Austin ISD ($0.7835 after compression), Travis County ($0.3736), and other entities, the combined rate for many Austin homeowners runs $1.97–$2.22 per $100.
The critical difference from San Antonio is Austin's dramatically higher appraised values. A home that costs $400,000 in San Antonio might cost $650,000–$800,000 for a comparable property in Austin, making the total dollar tax bill in Austin substantially higher even at a similar or lower rate. Travis County's homestead exemption rules parallel those of Bexar County, with the $100,000 state school district exemption applying statewide.
| Texas City / County | Avg. Combined Rate (per $100) | Est. Tax on $400K Home* | Median Home Value |
|---|---|---|---|
| San Antonio (Bexar Co.) | ~$2.01–$2.25 | ~$6,400–$7,200 | ~$235,000 |
| Austin (Travis Co.) | ~$1.97–$2.22 | ~$6,300–$7,100 | ~$555,000 |
| Houston (Harris Co.) | ~$2.09–$2.35 | ~$6,700–$7,500 | ~$260,000 |
| Williamson Co. (Round Rock) | ~$1.92–$2.38 | ~$6,100–$7,600 | ~$380,000 |
| Dallas (Dallas Co.) | ~$2.10–$2.50 | ~$6,700–$8,000 | ~$315,000 |
*Before exemptions. Rates are 2024 approximations and vary by city and school district within each county.
How to Appeal Your San Antonio Property Tax Appraisal
If you believe your Bexar County appraised value is too high, you have the right to protest it each year. The deadline to file a protest with the Bexar Appraisal District (BCAD) is typically May 15, or 30 days from the date your appraisal notice was mailed, whichever is later. The protest process involves:
- Filing a notice of protest online at bcad.org or by mail
- Gathering evidence of your property's market value (recent comparable sales, repair estimates for condition issues, independent appraisals)
- Attending an informal hearing with BCAD appraisers where most cases settle
- If unsatisfied, attending a formal Appraisal Review Board (ARB) hearing
- If still unsatisfied, pursuing binding arbitration or a district court appeal
Many San Antonio homeowners successfully reduce their appraised value through informal protest, with reductions of 5%–15% common when supported by comparable sales evidence. Property tax consultants typically work on a contingency basis (a percentage of the savings) and handle the process on your behalf.
Frequently Asked Questions — San Antonio Property Tax
Q: What is the property tax rate in San Antonio 2024?
A: The combined property tax rate for most San Antonio residents falls between $2.01 and $2.25 per $100 of taxable value in 2024, depending on your school district and whether you're inside city limits. The City of San Antonio's rate alone is $0.3379 per $100; the rest comes from Bexar County, your school district, and special districts.
Q: How do I look up my San Antonio property tax by address?
A: Visit bcad.org (Bexar Appraisal District) and search your property address to find your current appraised value, applied exemptions, and estimated tax by entity. The Bexar County Tax Assessor-Collector at bexar.org also provides property tax payment history and current bill details.
Q: Does San Antonio have high property taxes compared to other Texas cities?
A: San Antonio's combined rates are broadly similar to other major Texas cities. However, because San Antonio's median home values are significantly lower than Austin's, total dollar amounts paid are typically lower. Compared to Houston (Harris County) and Dallas, San Antonio property tax bills on comparable-value homes are roughly in the same range.
Q: When are San Antonio property taxes due?
A: San Antonio / Bexar County property taxes are due by January 31 of the following year. Taxes become delinquent on February 1, after which a 6% penalty plus 1% monthly interest begins accruing. Tax bills are typically mailed in October and cover the full calendar year.
Q: Can I pay San Antonio property taxes in installments?
A: Yes. Homeowners who qualify for age 65+, disability, or veteran exemptions may pay in four equal installments due January 31, March 31, May 31, and July 31 without penalty. Other homeowners must pay in full by January 31 to avoid penalties.
This calculator provides general estimates for informational purposes only. Actual property tax bills depend on final certified appraisal values, adopted tax rates, and specific exemptions confirmed by your county appraisal district. Rates shown are approximate 2024 figures and are subject to change. Always verify with Bexar Appraisal District (bcad.org) or the Bexar County Tax Assessor-Collector (bexar.org) for official current figures.