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How To Pay Property Tax in Texas?

Property tax Texas

Property taxes in Texas are some of the highest in the USA. And, with taxes due on January 31st at the latest – just after the festive holiday season - it’s essential for homeowners to prepare for these costs. Penalties will start accruing from February 1st or the first business day in February should the 31st fall on a weekend. Here’s a guide on how to pay property tax in Texas from American Finance & Investment Company, Inc., (AFIC) the property tax loan specialists.

When Will I Receive My Property Tax Bill?

Property tax bills are sent out from October. So, you should receive yours well in advance of the January 31st deadline. If you haven’t received your property tax bill by December, you should contact your local tax offices for your county. If your mortgage company pays your property taxes on your behalf, they should receive the tax bill and ensure timely payment. If you have multiple properties, all of these properties should be listed on your bill.

Property Tax Payment Options in Texas

Your local tax collection office can give you the exact details of the property tax payment options available in your county, but these generally include credit card payments and payment through an escrow agreement. The tax code also allows qualifying persons to receive a tax deferral (for example, if you are over 65 or disabled), a discount (for example, in some places like Bexar County, Dallas County, El Paso County, and Collin County, if you pay your taxes early), payment through installments, split and partial payments.

It is essential to contact your local tax collection office early to talk to them about different property tax payment options and see if you qualify for special payment terms. If they can’t help, we likely can at American Finance & Investment Company, Inc., (AFIC). Click here to see our options.

What Happens if You Don’t Pay Property Tax?

As Texas has no income tax, these funds are critical to providing local services to your community, including funding schools, libraries, and infrastructure. As a result, you legally have to pay your tax bill. If you do not pay by 31 January, a 6% penalty and 1% interest will be added to your bill on February 1st, for a total cost to you of 7%! These penalties will grow each month and attorneys hired to collect your property taxes can charge additional penalties of up to 20% to cover their fees. In most counties like Denton County, Ellis County, Fort Bend County, and Galveston County, the 20% fee is applied to your bill on July 1st.

On 1 January of each year, a tax lien is placed on every property that is lifted when the property taxes are paid. This lien gives the courts the power to foreclose on your home or property in the event that you default on your property taxes, and sell it to the highest bidder.

What Should I Do if I Can’t Pay My Property Taxes in Texas?

If you receive your property tax bill and are unable to pay it, it is important to act quickly to minimize your costs. Well before the deadline of 31 January, speak to American Finance & Investment Company, Inc. about a home property tax loan. Our compassionate and experienced team is ready to assist you by providing you with a structured property tax loan designed to work with your financial situation. The earlier you contact us, the better we can help you.

To get help paying your property taxes before you incur penalties, contact us today or get a loan estimate by completing the form below.


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YOUR TAX OFFICE MAY OFFER DELINQUENT TAX INSTALLMENT PLANS THAT MAY BE LESS COSTLY TO YOU. YOU CAN REQUEST INFORMATION ABOUT THE AVAILABILITY OF THESE PLANS FROM THE TAX OFFICE.

If you are over 64 or disabled, don’t get a property tax loan, contact your tax office about a deferral.

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