Texas Sales Tax Calculator
Calculate sales tax in Texas. The TX state sales tax rate is 6.25%. Add local rates for your total sales tax. Free calculator with instant results.
Texas at a Glance
$300,000
Median Home Price
1.6%
Property Tax Rate
$3,800
Avg Home Insurance
$472,030
FHA Loan Limit
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Reviewed & Methodology
Every calculator is built using industry-standard formulas, validated against authoritative sources, and reviewed by a credentialed financial professional. State-specific data is sourced from official government publications.
Sales Tax Calculator in Texas
The median home price in Texas is $300,000, which is 29% below the national average of $420,000. Texas's effective property tax rate of 1.6% is 0.5 percentage points higher than the national average of 1.1%.
| Metric | Texas (TX) | National Avg | vs National Average |
|---|---|---|---|
| Median Home Price | $300,000 | $420,000 | -29% |
| Property Tax Rate | 1.6% | 1.1% | +0.50% |
| Home Insurance (Annual) | $3,800 | $2,300 | +65% |
| State Sales Tax | 6.25% | 5% | +1.3% |
| FHA Loan Limit | $472,030 | $472,030 | Standard |
| Conforming Loan Limit | $766,550 | $766,550 | Standard |
Texas offers a homestead exemption of $100,000, which reduces the taxable value of your primary residence. The state uses an assessment ratio of 100% to determine the assessed value for property tax purposes.
Homeownership in Texas
Texas has no state income tax but has some of the highest property tax rates in the country at 1.60%, partly because property taxes fund local schools and services that income taxes cover in other states. The statewide median around $300,000 masks extraordinary variation -- Austin surged past $500,000 at its peak before correcting, while many suburban Houston, Dallas, and San Antonio communities offer homes in the $250,000-$350,000 range. Texas's population growth -- driven by corporate relocations, job creation, and domestic migration -- remains among the highest in the country.
Tips for Texas Homebuyers and Homeowners
- Texas's Homestead Exemption reduces assessed value by $100,000 for school district taxes for owner-occupied primary residences -- on a $300,000 home, this exempts $100,000 from the school tax portion, saving roughly $1,200-$1,500 per year.
- Texas limits annual increases in the appraised value of homesteaded properties to 10% per year -- a cap that protected owners during the 2020-2022 surge when values rose 30-40% but taxes could only track 10%.
- No state income tax saves a dual-income family earning $150,000 combined roughly $6,000-$10,000+ per year versus California, New York, or Oregon at similar income levels.
- Texas homeowners insurance averages $3,800+ per year -- among the highest in the country due to hail, hurricanes, tornadoes, and flooding. Coastal buyers in Galveston, Corpus Christi, or Houston should budget significantly more.
Texas Programs and Assistance
- Texas State Affordable Housing Corporation (TSAHC) Homes for Texas Heroes -- provides 3-5% down payment assistance for teachers, first responders, police, and military buyers statewide.
- TSAHC Home Sweet Texas Program -- down payment assistance for buyers at or below 80% AMI across the state, available as either a grant or a 0% loan.
- Texas Department of Housing and Community Affairs (TDHCA) My First Texas Home -- 30-year fixed rate mortgages at below-market rates with up to 5% down payment assistance for first-time buyers.
Did you know? Texas homestead law is among the strongest in the country -- in addition to the tax exemption, the Texas Constitution prevents most creditors from forcing the sale of a primary residence to satisfy debts, with the exception of mortgages, property taxes, and home equity loans.