Average Tax Assessment in Caldwell County
Real Estate Values and Property Tax Valuation in Caldwell County, Texas
Caldwell County has a total of 16,306 properties with a cumulative value of $3.2B. This represents 0.15% of all real estate value in Texas. Property taxes in Caldwell County totaled $51.3M, with the average homeowner paying $3,166 in property taxes, which is lower than the state average of $4,015. The average property tax rate in Caldwell County is 1.60%, which is lower than the state average of 1.69%. Property taxes are based on the assessed value of the property, which is typically lower than the market value.
The property tax timeline in Texas begins on January 1st, when the property valuation date is set. Property value notices are issued between April and May, and the property tax appeal deadline is May 15th or 30 days after the notices are issued. The real property tax bill is due on January 31st for the preceding year's gross tax bills.
Updated November 01, 2023
| Important Links | |
|---|---|
| Caldwell Appraisal District | (512) 398-5550 |
| TexasFile Clerk Records | - |
| Caldwell Clerk | (512) 398-1804 |
| Caldwell Clerk of Court | (318) 649-2272 |
| Important Dates | |
|---|---|
| Real Property Tax Bill Due (1st of #): | January 31st, Gross tax bills for preceding year |
| Property Valuation Date: | January 1st |
| Property Value Notices Issued: | April - May |
| Property Tax Appeal Deadline: | May 15th or 30 days after notices are issued |
| Property Tax Bills Issued: | October 1st |
| Available Exemptions | |
|---|---|
| Early Payment Discount | |
| Senior | Available |
| Disabled | Available |
| Homestead | Available |
| Veteran | Available |
| Solar/Wind | Available |
| Charitable | Available |
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Real Estate Statistics in Caldwell County
Residential Property Taxes by Cities in Caldwell County
Caldwell County has an average property tax rate of 1.60%, which is slightly lower than the state average of 1.83%. This rate is applied to the assessed value of a property to calculate the amount of taxes due. The average property tax bill in Caldwell County is $3,166, which is slightly lower than the state average of $3,521.
Property tax rates in Caldwell County vary across cities, with Kyle having the highest effective property tax rate at 1.81%, and Harwood having the lowest effective property tax rate at 0.8%. This means that property owners in Kyle will pay more in taxes than those in Harwood. In total, Caldwell County is expected to collect $51.3 million in property taxes in 2023.
Tax Assessment Value
The following table shows the 10th, 25th, 50th, 75th, and 90th percentile of property assessment value in each city in Caldwell County. The tax assessment value may differ from the potential sale value, and is used to calculate the property tax for each piece of real estate.
| City | 10th Percentile | 25th Percentile | Median | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| Dale | $18,770 | $50,520 | $121,990 | $234,260 | $377,276 |
| Harwood | $33,434 | $75,450 | $224,360 | $395,310 | $698,396 |
| Kyle | $52,840 | $84,132 | $102,620 | $154,468 | $247,885 |
| Lockhart | $40,320 | $93,895 | $175,860 | $248,195 | $366,786 |
| Luling | $28,450 | $62,268 | $121,000 | $196,250 | $322,603 |
| Martindale | $25,410 | $57,240 | $175,550 | $267,562 | $353,050 |
| Maxwell | $18,510 | $33,495 | $92,460 | $189,665 | $344,140 |
Property Tax Bill
This table shows the percentiles of actual property tax paid on residential properties for each city in Caldwell County.
| City | 10th Percentile | 25th Percentile | Median | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| Dale | $281 | $816 | $1,962 | $3,834 | $5,563 |
| Harwood | $204 | $560 | $2,385 | $4,127 | $5,776 |
| Kyle | $896 | $1,754 | $2,084 | $3,420 | $4,849 |
| Lockhart | $687 | $1,816 | $3,596 | $5,342 | $6,895 |
| Luling | $567 | $1,270 | $2,433 | $4,040 | $5,408 |
| Martindale | $354 | $1,082 | $3,329 | $5,823 | $7,092 |
| Maxwell | $138 | $410 | $1,481 | $3,268 | $5,354 |
Effective Property Tax Rate
The effective property tax rate is calculated by dividing the property tax bill by the assessed value. For the percentiles below, the calculation is performed using the percentiles for property tax bill and assessed value above. Therefore, each consecutive percentile doesn't necessarily show a larger value.
| City | 10th Percentile | 25th Percentile | Median | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| Dale | 1.50% | 1.62% | 1.61% | 1.64% | 1.47% |
| Harwood | 0.61% | 0.74% | 1.06% | 1.04% | 0.83% |
| Kyle | 1.70% | 2.08% | 2.03% | 2.21% | 1.96% |
| Lockhart | 1.70% | 1.93% | 2.04% | 2.15% | 1.88% |
| Luling | 1.99% | 2.04% | 2.01% | 2.06% | 1.68% |
| Martindale | 1.39% | 1.89% | 1.90% | 2.18% | 2.01% |
| Maxwell | 0.75% | 1.22% | 1.60% | 1.72% | 1.56% |
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Real Estate Values in Caldwell County
The data from Redfin shows that the median home price in Caldwell County, Texas has increased significantly from October 2022 to October 2023, with a 40.50% increase. This indicates that the housing market in Caldwell County is strong and that home prices are on the rise. Additionally, the home inventory in Caldwell County has also increased, from 121 in October 2022 to 183 in October 2023, indicating that there is an increased demand for housing in the area.
Average Home Value in Caldwell County, Texas
Last updated: November 2023
Percent Change in Total Home Sales in Caldwell County
Last updated: November 2023
Percent Change in New Home Listings in Caldwell County
Last updated: November 2023
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Mortgage Rates in Caldwell County
Caldwell County has a total outstanding loan amount of $1.2 billion across home mortgages. This represents an estimated 4,100 outstanding loans in the county. The median mortgage rate in Caldwell County varies across cities, with Kyle having the highest median rate at 4.4%, while Harwood has the lowest median rate at 3.87%. This variation in rates across cities can have a significant impact on the total amount of money that homeowners in Caldwell County have to pay for their mortgages.
The total outstanding loan amount in Caldwell County is equivalent to approximately 33% of the total home value in the county, which is a significant amount of money. This indicates that Caldwell County homeowners are taking on a large amount of debt in order to purchase their homes. The variation in mortgage rates across cities can also have a significant impact on the total amount of money that homeowners in Caldwell County have to pay for their mortgages. Homeowners in Kyle may have to pay more for their mortgages than those in Harwood, which could make it more difficult for them to afford their homes.
Outstanding Mortgages
The table below shows the percentile distribution of outstanding loans on residential properties in Caldwell County by city.
| City | 10th Percentile | 25th Percentile | Median | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| Dale | $29,854 | $53,954 | $99,178 | $163,301 | $259,717 |
| Harwood | $57,327 | $127,443 | $189,566 | $339,855 | $425,723 |
| Kyle | $44,288 | $61,192 | $74,513 | $100,237 | $159,049 |
| Lockhart | $39,454 | $69,033 | $123,777 | $186,459 | $258,800 |
| Luling | $21,978 | $51,395 | $109,570 | $166,048 | $244,661 |
| Martindale | $45,506 | $93,620 | $143,076 | $215,635 | $310,470 |
| Maxwell | $20,467 | $57,097 | $93,766 | $165,697 | $247,775 |
Mortgage Rates
The following table shows the 10th, 25th, 50th, 75th, and 90th percentile of mortgage rates in cities across Caldwell County.
| City | 10th Percentile | 25th Percentile | Median | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| Dale | 3.10% | 3.73% | 4.15% | 4.86% | 6.12% |
| Harwood | 2.99% | 3.21% | 3.87% | 4.46% | 6.21% |
| Kyle | 2.67% | 3.33% | 4.40% | 4.71% | 5.65% |
| Lockhart | 2.90% | 3.57% | 4.10% | 4.90% | 6.24% |
| Luling | 2.93% | 3.57% | 4.12% | 5.10% | 6.18% |
| Martindale | 3.00% | 3.64% | 4.04% | 5.01% | 6.14% |
| Maxwell | 3.10% | 3.71% | 4.30% | 5.25% | 6.28% |
Housing Expenses in Caldwell County, Texas
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