Texas · County property tax · ACS 2024
Gray County Property Taxes
The median homeowner in Gray County pays $1,408 a year, an effective rate of 1.37%, well below the U.S. average.
- $1,408
- Median tax / yr · Below-median bill
- 1.37%
- Effective rate · High rate
- -29%
- vs U.S. average
- #75 of 250
- rank in TX
The verdict
Homeowners in Gray County pay a median $1,408 a year in property tax, an effective rate of 1.37%, more affordable than 16% of U.S. counties (Census ACS 2024).
- $1,408
- Median annual tax bill, 2024
- 1.37%
- Effective rate on median home
- #2647 of 3135
- U.S. counties by tax burden
- -29%
- vs the national average bill
Effective rate is the median property tax bill divided by the median home value ($102,900). U.S. Census Bureau, ACS 5-Year Estimates · 2024.
Census Bureau ACS property tax data for Texas. Population: 21,045. Owner-occupied homes: 6,103.
The median annual property tax in Gray County is $1,408, which is 67% lower than the Texas state average and 29% below the national average. The effective tax rate is 1.37% on a median home value of $102,900. Property taxes represent 2.4% of the median household income in this county.
Gray County's rate standing among U.S. counties
Primary signal
The effective rate sits near the national middle
Gray County's 1.37% effective rate sits near the middle of 3,135 tracked counties (more affordable than 16%).
Decision signal 2
The bill sits well below the national median
Homeowners in Gray County pay a median annual property tax of $1,408, well below the national median and far below the Texas state median. On a $102,900 median home, that works out to an effective rate of 1.37% once the local assessment base and millage are combined.
Decision signal 3
Near the middle of Texas counties by effective rate
Gray County ranks #75 of 250 counties in Texas by effective rate (70% of in-state counties pay a lower rate).
Decision signal 4
Income and the tax bill sit in the middle band
Property taxes in Gray County run within the commonly cited 2%-4% national benchmark, at about 2.4% of the $59,614 median household income.
Informational notice
Figures describe the median homeowner household in Gray County as reported to the Census Bureau; your parcel can differ. Not tax, legal, or financial advice: check the county assessor or a qualified professional before decisions that depend on these numbers.
The rate held while the market moved
Gray County sits in the quarter of U.S. counties whose effective rate moved least over this span: 3.8% down, against a median home value that rose 28.9%.
A near-steady rate on a moving market passes that movement straight through: the median bill rose 24.1%, from $1,135 to $1,408.
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 $1,135 to $1,408, a gain of 24%. This is a comparison of published ACS medians, not an explanation of a particular property's assessment or tax bill.
The largest reported group here falls at the bottom of the national range: 2,007 of 6,103 owner-occupied homes (32.9%) report annual real-estate taxes under $800. This distribution describes reported owner-occupied homes, not an affordability judgment for any property.
A top-quartile rate meets below-median earnings here, and the median bill reaches 2.4% of median household income. A rate ranking places this county by the rate alone; the ratio above is the figure that accounts for what is earned here.
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 Gray County Homeowners Actually Pay
The single largest group of Gray County homeowners, 2,007 of 6,103 owner-occupied homes (32.9%), pays less than $800 a year. The median is one point in this spread, not a typical bill.
- Less than $800 32.9% (2,007)
- $800 to $1,499 17.5% (1,067)
- $1,500 to $1,999 9.8% (596)
- $2,000 to $2,999 11.8% (723)
- $3,000 or more 24.7% (1,508)
Census ACS 2024, table B25102. Bands and the no-tax share sum to 100%.
202 homes here (3.3%) 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 Gray County pay more than double the bill of those without one (+191%), the widest kind of value gap this dataset tracks.
Gray County's effective rate vs peers
Effective property tax rate (median tax ÷ median home value), ACS 2024.
Gray County's effective rate is higher than 70% of the 250 counties in Texas - ranking #75 of 250.
Where Gray County sits among every U.S. county
Effective property tax rate (median tax ÷ median home value)
1.37% more affordable than 16% 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
Same rate as Texas, a smaller bill
The effective rate here sits within 8% of the Texas median, yet the median bill runs 67% below it. When the rate matches and the cheque does not, the difference is in what is being taxed, not how heavily: the same percentage applied to cheaper housing produces $1,408 here. That is why comparing counties on rate alone can invert the answer a homeowner actually cares about.
Gray County vs Benchmarks
| Metric | Gray County | Texas Avg | U.S. Avg |
|---|---|---|---|
| Median Annual Tax Below-median bill | |||
| Effective Tax Rate High rate | |||
| Median Home Value | |||
| Tax as % of income Below-median income burden | 2.4% | - | - |
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.
Gray County's STEEP · LIGHT lane - is an appeal worth running?
On Gray County's published figures (STEEP · LIGHT), a $102,900 median home carries a $1,408 median bill, so every 10% off an assessed value is worth about $141 a year at the same rate. Appeal Savings Estimator · appeal guide for Texas.
Gray County rate trail · STEEP
| Year | Median Tax (vs prior release) | Effective Rate |
|---|---|---|
| 2024 | $1,408 -1.9% | 1.37% |
| 2023 | $1,435 +4.4% | 1.43% |
| 2022 | $1,375 +9.7% | 1.47% |
| 2021 | $1,253 +10.4% | 1.53% |
| 2020 | $1,135 | 1.42% |
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.
Gray County: tax-to-income at 2.4%
Counties near Gray County's effective rate
On effective rate, Gray County sits nearest Lebanon County (PA), Armstrong County (PA), Lorain County (OH).
On published median-tax change, the nearest matches are Hand County (SD), Wayne County (KY), Callaway County (MO).
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
Gray County: only 2% of returns show Schedule A real-estate tax
Tax year 2022: 210 of 8,540 returns from Gray County reported real estate taxes, averaging $4,438 - 33% of those reporters sat in the $100-200k AGI band.
What this IRS county file does not say
Amounts are reported before the SALT cap, not deducted; the share is of filers, not homeowners. Source: IRS SOI county data, tax year 2022.
Other Counties in Texas
Gray County rate FAQs
- How does Gray County property tax compare to the national average?
- Property taxes in Gray County run well below the national median of $1,993, an effective rate of 1.37% versus 0.92% nationally.
- What is the tax affordability score for Gray County?
- Gray County, Texas scores D (40/100) on PlainPropertyTax's tax affordability composite across 5 Census ACS dimensions (effective rate, bill size, income share, mortgage gap, and home-value/income). Its strongest scored dimension here is housing pressure at A+ (1.73×). The score compares published county medians to U.S. percentiles, it is not a personal bill and not advice to buy, sell, appeal, or relocate.
- What is the average property tax in Gray County, Texas?
- The median annual property tax in Gray County is $1,408, an effective rate of 1.37% on a $102,900 median home (Census ACS, 2024).
- Are property taxes increasing in Gray County?
- The ACS median property-tax bill for Gray County jumped 24.1% between the 2020 and 2024 5-year releases, from $1,135 to $1,408, a 4-year span. These are survey estimates covering five years each, so this compares the two releases furthest apart rather than consecutive ones, which overlap and would mostly measure the same households twice.
- What percentage of income goes to property taxes in Gray County?
- Property taxes in Gray County run within the commonly cited 2%-4% national benchmark, at about 2.4% of the $59,614 median household income.
What to do with Gray County's STEEP rate
Gray County's $1,408 median bill sits well below the U.S. median - still size a parcel estimate; local millage and exemptions move the real bill. Estimate your bill →
Gray County ranks #75 of 250 Texas counties by effective rate - on the higher-burden half of the state ACS set. Texas overview →
Nationwide peers by effective rate (then bill)
Rate-first peers for Gray County's STEEP effective rate, then a disjoint out-of-state bill set so the two neighborhoods stay distinct.
Similar effective rate
Nearest out-of-state counties by ACS effective rate. This county: 1.37%.
Similar median bill
Nearest out-of-state counties by ACS median annual tax. This county: $1,408/yr. Rate peers are excluded so the two link sets stay distinct.
Read with Gray County
Nearest ABS(median_tax) ACS peers for Gray County (STEEP · LIGHT), replacing the old fixed Keep exploring strip.
STEEP LIGHT
Meade County, KY
ABS(median_tax) peer · tied with Gray County at $1,408/yr; rate 0.68% vs Gray County 1.37%.
Aitkin County, MN
ABS(median_tax) peer · $1,407/yr (near-tied bill ABS $1); rate 0.55% vs Gray County 1.37%.
Catawba County, NC
ABS(median_tax) peer · $1,407/yr (near-tied bill ABS $1); rate 0.58% vs Gray County 1.37%.
Coffee County, TN
ABS(median_tax) peer · $1,407/yr (near-tied bill ABS $1); rate 0.57% vs Gray County 1.37%.
Texas county set
State ACS overview for every published Texas county rate and median bill.
Appeal filing windows
Gray County stamps STEEP · LIGHT - review notice deadlines before quoting the ACS median.
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.
Source: U.S. Census Bureau American Community Survey 5-Year Estimates, county median real-estate taxes · 2024 Gray County (STEEP · LIGHT) - ACS medians, not a parcel bill.