Paying property taxes in Texas can be challenging, especially if you’re unable to pay the full amount by the January 31 deadline. If you owe more than $3,500, you may want to consider a Texas property tax loan, but it’s also worth exploring county property tax payment plans first.
Texas counties offer installment options that may allow you to spread payments over 12 to 36 months. However, these plans are often restrictive. In most cases, the property must be your homestead, the interest rate is set at 12% annually by law, and if you miss a payment, penalties and collection costs may apply retroactively.
Fortunately, there are several other ways to manage your property tax burden—from credit card payments and disaster relief programs to early payment discounts and loans. In the sections below, we’ll walk through each option to help you choose the one that best fits your financial situation.
When Texas property taxes are due and immediate funds are limited, paying with a credit card can offer a temporary solution. The tax assessor-collector in many Texas counties allows credit card or e-check payments online or in person, giving taxpayers flexibility in meeting their obligations.
Paying your Texas property taxes with a credit card offers several short-term benefits, especially if you’re facing a cash flow gap.
However, there are also important drawbacks to weigh before using this option.
Paying with a credit card may be a viable short-term strategy for taxpayers responsible for paying on time and avoiding penalties. However, it is not a substitute for long-term tax relief solutions. If you’re struggling with a large personal property or real property tax burden, especially when installments without penalties are not offered by your county tax office, a Texas property tax loan may offer a more sustainable, long-term solution.
Yes, Texas property taxes can be paid in four equal installments under certain circumstances. To qualify, a written notice of intent must be submitted with the first payment. If this requirement is not met, the full amount becomes delinquent, and penalties and interest will apply.
Texas Tax Code Section 11.22 allows the following groups to pay property taxes in installments:
If your property is located in an area that is declared an emergency or disaster zone, you may qualify for installment payment options. This may apply to the following:
Eligibility and terms vary by county, so you should contact your local tax assessor-collector for specific guidance.
Low-income homeowners in Texas often face challenges in keeping up with property tax payments. Fortunately, there are programs available to reduce this burden, like:
These options are designed to help prevent foreclosure and protect homeownership. If you’re struggling to pay your property taxes, reaching out for assistance early can provide more options and long-term relief.
In addition to standard installment and deferral plans, some Texas counties may offer flexible payment options to better suit your financial situation.
Partial Payments: Some counties, including Travis County, allow you to make partial property tax payments. But keep in mind that this does not delay the delinquency date. Penalties and interest still apply to your unpaid balance.
Split Payments: In certain counties, you may pay half of your property tax payments by November 30 and the remaining half by June 30 without incurring penalties or interest. If approved by the taxing unit.
Monthly Payment Plans: Counties like Bexar County offer 10-month informal payment plans, with equal payments starting in October and ending in July. These plans can help taxpayers budget more easily, especially if traditional installment plans are not available. Tarrant County also provides online payment options and installment plans under Texas Property Tax Code Section 31.06, giving residents additional flexibility in managing their tax obligations.
Work Contracts: Though rare, some taxing units may accept services instead of payment. This option is usually reserved for residents aged 65 or older or qualified individuals who can provide teaching or other services in exchange for a reduction in property taxes.
For the most accurate information on available arrangements, you should contact your local tax assessor-collector to find out which options apply in your county.
Some property tax collectors will allow you to pay delinquent property taxes in installments on a residence homestead. The terms are strict, and if you fail to make the payments, you may not enter into another agreement for two years.
If you’re struggling to keep up with your property tax payments, especially as you approach retirement, it’s important to explore all the available options. For those wondering at what age you stop paying property taxes in Texas, there are specific tax relief programs designed for seniors. While property taxes aren’t completely eliminated, qualifying individuals aged 65 and older can benefit from exemptions that help reduce the financial burden. Understanding how these programs work can provide much-needed relief and help you manage your property tax obligations more effectively.
If allowed by a taxing unit, discounts are available for early payments, called a 3-2-1 discount. For example, if your tax is paid in October or earlier, you get a 3% discount, a 2% discount if the tax is paid in November, and a 1% discount if it is paid in December.
When it comes to paying your Texas property taxes, it’s important to evaluate all of your options. Each method, whether it’s a credit card payment, an in-person visit, a county installment plan, or a property tax loan, comes with pros and cons. Choosing the right one can help you avoid penalties and manage your finances more effectively.
County payment options are usually more cost-effective if your balance is low and you’re confident you can repay it quickly. Many counties offer installment plans, such as those in Dallas County and Harris County, allowing you to spread payments over several months. However, these plans often come with strict eligibility requirements, limited flexibility, and statutory interest rates. Missing a payment can result in penalties or the retroactive loss of the plan.
Paying online or in person is convenient for those who are able to pay in full. Online payments allow you to receive immediate confirmation, while in-person payments offer face-to-face service for those who prefer direct interaction.
If you’re facing a larger balance (over $3,500), dealing with financial hardship, or at risk of foreclosure, a Texas property tax loan may be a better fit. At American Finance & Investment Company, Inc. (AFIC), we offer manageable repayment plans with flexible terms, often up to 36 months, and the ability to stop penalties and collection efforts immediately.
AFIC can provide you with an instant quote by completing the form on our homepage. For qualifying properties, we can help you pay off your delinquent taxes and offer you the following benefits:
We pride ourselves on finding solutions to suit the unique needs of our clients. If you would like to discuss our property tax loans, please contact our experienced team at AFIC today.
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APR between 8.0% and 25.0% for loan terms between 12 and 120 months. For example 8.5% APR, $25,000 loan, $750 in Closing Costs, 120 Monthly Payments of $303.32.
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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