Texas · County property tax · ACS 2024
Bandera County Property Taxes
The median homeowner in Bandera County pays $2,438 a year, an effective rate of 0.88%, notably higher than the U.S. average.
- $2,438
- Median tax / yr · Above-median bill
- 0.88%
- Effective rate · Above-median rate
- +22%
- vs U.S. average
- #229 of 250
- rank in TX
The verdict
Homeowners in Bandera County pay a median $2,438 a year in property tax, an effective rate of 0.88%, more affordable than 44% of U.S. counties (Census ACS 2024).
- $2,438
- Median annual tax bill, 2024
- 0.88%
- Effective rate on median home
- #1749 of 3135
- U.S. counties by tax burden
- +22%
- vs the national average bill
Effective rate is the median property tax bill divided by the median home value ($278,400). U.S. Census Bureau, ACS 5-Year Estimates · 2024.
Tax affordability score · Bandera County, TX
28/100
5 ACS dimensions · release 2024
Comparative score against U.S. county percentiles on Census ACS medians (effective rate, bill, income share, mortgage gap, home-value/income). Higher means more affordable on those published medians, not a recommendation to buy, sell, appeal, or move, and not your personal tax bill. Missing inputs drop out and redistribute weight. How it is calculated.
Bandera County's effective rate vs U.S. county percentiles (ACS 2024)
Median tax as a share of Bandera County's median household income
Bandera County's median annual property-tax bill vs U.S. counties
Median home value relative to Bandera County's median income
Mortgaged vs free-and-clear median bill gap in Bandera County
Read the chart values
- Rate relief: 44/100 (D) · 0.88%
- Income room: 29/100 (F) · 3.2%
- Bill size: 25/100 (F) · $2,438/yr
- Housing pressure: 25/100 (F) · 3.67×
- Mortgage premium: 0/100 (F) · +$1,402
Track this county alongside up to five others. Saved figures refresh when the annual source data changes.
Census Bureau ACS property tax data for Texas. Population: 22,021. Owner-occupied homes: 7,949.
The median annual property tax in Bandera County is $2,438, which is 42% lower than the Texas state average and 22% above the national average. The effective tax rate is 0.88% on a median home value of $278,400. Property taxes represent 3.2% of the median household income in this county.
What This Data Tells Us About Bandera County
Primary signal
The bill sits below the Texas median
Homeowners in Bandera County pay a median annual property tax of $2,438, notably higher than the national median and well below the Texas state median. On a $278,400 median home, that works out to an effective rate of 0.88% once the local assessment base and millage are combined.
Decision signal 2
High among Texas counties by effective rate
Bandera County ranks #229 of 250 counties in Texas by effective rate (8% of in-state counties pay a lower rate).
Decision signal 3
The effective rate sits near the national middle
Bandera County's 0.88% effective rate sits near the middle of 3,135 tracked counties (more affordable than 44%).
Decision signal 4
Income and the tax bill sit in the middle band
Property taxes in Bandera County run within the commonly cited 2%-4% national benchmark, at about 3.2% of the $75,813 median household income.
This page is for informational purposes only and is not tax, legal, or financial advice. Figures describe the median homeowner household in Bandera County as reported to the Census Bureau, your own bill can differ based on your parcel's assessed value, exemptions, special districts, and municipal overlays. Always consult your county assessor, tax collector, or a qualified professional before making decisions that depend on these numbers.
A falling rate took the edge off
Bandera County's effective rate fell 14.0% across the 4-year span while its median home value rose 37.8%, leaving the median bill 18.6% higher at $2,438. That rate move is larger than the one in 59% of counties, so a good deal of the market's rise never reached the bill.
Effective rate is the published median bill divided by the published median home value, so the two multiply back to the bill exactly; the rate's movement here is derived from those two figures rather than read from the rounded published rate. Both are ACS 5-year survey estimates for the median owner-occupied household, compared across non-overlapping releases. They describe what the Census published, not a local policy, assessment, or exemption change.
How to read this county's bill
Bills rose across 2020-2024, from $2,056 to $2,438, a gain of 19%. This is a comparison of published ACS medians, not an explanation of a particular property's assessment or tax bill.
The heaviest band is also the fullest one here: 3,056 of 7,949 owner-occupied homes (38.4%) report annual real-estate taxes above $3,000. That band has no upper edge in the source, so the county median understates the burden carried by the plurality rather than describing it.
Both the income and the rate here sit in the third quarter nationally, and the median bill is 3.2% of median household income. Two above-average figures pulling in opposite directions is why the rate on its own is a poor guide.
The share above is the median annual bill divided by median household income, a ratio of two county-level medians rather than a household-by-household figure.
What Bandera County Homeowners Actually Pay
The single largest group of Bandera County homeowners, 3,056 of 7,949 owner-occupied homes (38.4%), pays $3,000 or more a year. The median is one point in this spread, not a typical bill.
- Less than $800 16.4% (1,300)
- $800 to $1,499 15.7% (1,245)
- $1,500 to $1,999 7.9% (628)
- $2,000 to $2,999 11.9% (947)
- $3,000 or more 38.4% (3,056)
Census ACS 2024, table B25102. Bands and the no-tax share sum to 100%.
773 homes here (9.7%) report no real estate tax at all. Exemptions are set by state: how Texas handles assessments and appeals.
With vs Without Mortgage
Mortgaged homeowners in Bandera County pay more than double the bill of those without one (+78%), the widest kind of value gap this dataset tracks.
How Bandera County compares
Effective property tax rate (median tax ÷ median home value), ACS 2024.
Bandera County's effective rate is higher than 8% of the 250 counties in Texas - ranking #229 of 250 for property tax burden.
Where Bandera County sits among every U.S. county
Effective property tax rate (median tax ÷ median home value)
0.88% more affordable than 44% of 3,135 U.S. counties
Show national distribution
Each bar is a band; taller bars hold more U.S. counties. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source U.S. Census Bureau, ACS 5-Year Estimates · 2024
Below Texas on both measures
Bandera County's effective rate runs 41% under the Texas median and its bill 42% under. Both sitting on the same side means the gap is not a valuation artefact: a county can post a low rate purely because its homes are expensive, but then the bill rises to meet the state. Here it does not, so the $2,438 median bill reflects a genuinely lighter charge than the Texas norm rather than a different denominator. Compare it against the state page before reading anything into the county rank.
Bandera County vs Benchmarks
| Metric | Bandera County | Texas Avg | U.S. Avg |
|---|---|---|---|
| Median Annual Tax Above-median bill | |||
| Effective Tax Rate Above-median rate | |||
| Median Home Value | |||
| Tax as % of income Above-median income burden | 3.2% | - | - |
Source: U.S. Census Bureau, ACS 5-Year Estimates. Tax-burden differences across rows reflect millage decisions, assessment-ratio practices, and the residential-vs-commercial mix of each tax base.
Bandera County stamps UNDER · MID - still check the parcel card
On Bandera County's published figures (UNDER · MID), a $278,400 median home carries a $2,438 median bill, so every 10% off an assessed value is worth about $244 a year at the same rate. Whether an appeal is worth filing depends on your own parcel. Use our free Appeal Savings Estimator to run your own numbers, then read our step-by-step appeal guide for the procedure in Texas.
Property Tax History · UNDER · MID
| Year | Median Tax (vs prior release) | Effective Rate |
|---|---|---|
| 2024 | $2,438 +3.9% | 0.88% |
| 2023 | $2,347 +2.4% | 0.94% |
| 2022 | $2,292 +11.6% | 0.97% |
| 2021 | $2,054 -0.1% | 0.93% |
| 2020 | $2,056 | 1.02% |
Each row is a separate ACS 5-year release, and consecutive releases share four of their five survey years. The percentage beside each bill is therefore movement in the published estimate against the previous release, not a single year's tax change. The two releases largely describe the same households. For change over time, compare releases that do not overlap.
Tax Burden
Tax Affordability Score
An effective rate modestly below the national average of 0.92% puts Bandera County in the "Affordable" band for property tax burden.
How this score is calculated: a 1-10 scale derived mechanically from the ratio of this county's effective rate to the national average effective rate (0.92%) - a ratio at or below 0.5× scores 10, a ratio at or above 2.0× scores 1, with a linear scale between. It is a factual comparison of Census figures only, not a recommendation, quality rating, or endorsement of Bandera County or any other county.
Counties with similar tax profiles
On effective rate, Bandera County sits nearest Clark County (SD), Allendale County (SC), Comanche County (OK).
On published median-tax change, the nearest matches are Clinton County (IL), Pocahontas County (IA), York County (VA).
How peers are chosen
These are the nearest cross-state matches in the published Census data, not neighboring counties or recommendations. Peers are rebuilt with each data release; see the calculation method.
Similar effective rates
Similar published median-tax changes, 2020–2024
What tax filers report in Bandera County
Of the 11,190 federal returns filed from Bandera County in 2022, 620 (5.5% of filers) itemised and reported real estate taxes on Schedule A, averaging $7,484 each. The largest group was filers with adjusted gross income of $100-200k, who accounted for 37% of the county's reporting returns.
Two things this does not say. The amount is what filers reported, recorded before the $10,000 cap on combined state and local tax deductions applies, so it is not the amount deducted. And the share is of everyone who files a return, not of homeowners: most filers now take the standard deduction, so a minority itemise at all. Source: IRS Statistics of Income county data, tax year 2022.
Other Counties in Texas
Frequently Asked Questions
How does Bandera County property tax compare to the national average? ▼
What is the tax affordability score for Bandera County? ▼
Are property taxes increasing in Bandera County? ▼
What is the average property tax in Bandera County, Texas? ▼
What percentage of income goes to property taxes in Bandera County? ▼
What to do with Bandera County's numbers
- Inside Texas, Bandera County's $2,438 median bill runs low versus the state median - check peer counties before assuming the lowest bill is the best move. Texas overview →
- Bandera County ranks #229 of 250 Texas counties by effective rate - on the lower-burden half of the state ACS set. Texas overview →
- If Bandera County's assessment looks high versus the $278,400 typical home, check Texas's filing window and evidence rules before the notice deadline passes. How to appeal →
Effective-rate definition
Effective rate is the county median tax divided by the county median home value ($278,400); your parcel's assessed value, exemptions, and local levies determine your actual bill. U.S. Census Bureau ACS · 2024.
Nationwide peers by effective rate & median bill
Two PlainPropertyTax-derived comparison paths for Bandera County, both outside Texas so the link neighborhoods are not the same-state geography lattice. Axes stay disjoint: median-bill peers exclude the effective-rate peer set.
Similar effective rate
Nearest out-of-state counties by ACS effective rate. This county: 0.88%.
Similar median bill
Nearest out-of-state counties by ACS median annual tax. This county: $2,438/yr. Rate peers are excluded so the two link sets stay distinct.
Read with Bandera County
Nearest ABS(median_tax) ACS peers for Bandera County (UNDER · MID), replacing the old fixed Keep exploring strip.
UNDER MID
Franklin County, NY
ABS(median_tax) peer · $2,440/yr (near-tied bill ABS $2); rate 1.68% vs Bandera County 0.88%.
Indian River County, FL
ABS(median_tax) peer · $2,436/yr (near-tied bill ABS $2); rate 0.69% vs Bandera County 0.88%.
Roanoke County, VA
ABS(median_tax) peer · $2,436/yr (near-tied bill ABS $2); rate 0.85% vs Bandera County 0.88%.
Thomas County, KS
ABS(median_tax) peer · $2,440/yr (near-tied bill ABS $2); rate 1.41% vs Bandera County 0.88%.
Texas county set
State ACS overview for every published Texas county rate and median bill.
Assessment cycle basics
Bandera County stamps UNDER · MID - how assessed value and millage become the ACS median bill.
Data vintage and method
Data as of 2024. Source: U.S. Census Bureau, American Community Survey 5-Year Estimates.
Property tax data reflects median amounts paid by homeowners. Effective rates are calculated as median tax divided by median home value.
Share and download this county card
Editorial standards and provenance
PlainPropertyTax is rendered directly from the U.S. Census Bureau's American Community Survey (ACS) 5-year estimates, no number is typed in by an editor. This page draws directly on the Census ACS county-level record for Bandera County. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of 2026-08-09.