Average Tax Assessment in Comal County
Real Estate Values and Property Tax Valuation in Comal County, Texas
Comal County has a total of 64,653 properties with a cumulative value of $21.4B. This accounts for 1.01% of all real estate value in Texas. Property taxes in Comal County amount to $303.4M, with the average homeowner paying $4,693 in property taxes, which is higher than the state average of $4,015. The average property tax rate in Comal County is 1.41%, which is lower than the state average of 1.69%. Properties are typically valued for tax purposes based on their 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 | |
|---|---|
| Comal Tax Office | (830) 221-1353 |
| TexasFile Clerk Records | - |
| 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 Comal County
Residential Property Taxes by Cities in Comal County
Comal County has an average property tax rate of 1.41%, 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 Comal County property tax bill is $4,693, which is slightly lower than the state average of $5,092.
Property tax rates vary across the cities in Comal County. The city with the highest effective property tax rate is Schertz, at 1.52%, while the city with the lowest effective property tax rate is Fischer, at 1.07%. This means that property owners in Schertz pay more in taxes than those in Fischer. However, the difference in rates is not significant, and property owners in Comal County generally pay lower taxes than those in other parts of the state.
Tax Assessment Value
The following table shows the 10th, 25th, 50th, 75th, and 90th percentile of property assessment value in each city in Comal 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 |
|---|---|---|---|---|---|
| Boerne | $237,492 | $325,490 | $479,954 | $564,178 | $650,765 |
| Bulverde | $133,848 | $262,169 | $345,000 | $445,150 | $592,916 |
| Canyon Lake | $30,690 | $80,185 | $182,595 | $310,822 | $511,415 |
| Fischer | $145,357 | $202,453 | $271,805 | $344,740 | $480,945 |
| New Braunfels | $99,299 | $201,010 | $281,515 | $416,090 | $605,050 |
| San Antonio | $299,907 | $406,368 | $516,170 | $622,022 | $743,428 |
| Schertz | $43,686 | $212,020 | $250,000 | $300,240 | $340,412 |
| Spring Branch | $42,448 | $105,251 | $301,610 | $503,020 | $662,698 |
Property Tax Bill
This table shows the percentiles of actual property tax paid on residential properties for each city in Comal County.
| City | 10th Percentile | 25th Percentile | Median | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| Boerne | $2,416 | $3,910 | $5,819 | $7,971 | $9,569 |
| Bulverde | $1,321 | $3,438 | $5,415 | $7,528 | $9,691 |
| Canyon Lake | $330 | $920 | $2,385 | $4,287 | $7,207 |
| Fischer | $1,224 | $2,364 | $3,433 | $4,698 | $5,893 |
| New Braunfels | $1,131 | $2,786 | $4,469 | $6,487 | $8,746 |
| San Antonio | $2,746 | $5,119 | $7,639 | $9,949 | $12,289 |
| Schertz | $281 | $2,330 | $4,201 | $5,288 | $6,378 |
| Spring Branch | $379 | $1,277 | $3,715 | $6,682 | $9,113 |
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 |
|---|---|---|---|---|---|
| Boerne | 1.02% | 1.20% | 1.21% | 1.41% | 1.47% |
| Bulverde | 0.99% | 1.31% | 1.57% | 1.69% | 1.63% |
| Canyon Lake | 1.08% | 1.15% | 1.31% | 1.38% | 1.41% |
| Fischer | 0.84% | 1.17% | 1.26% | 1.36% | 1.23% |
| New Braunfels | 1.14% | 1.39% | 1.59% | 1.56% | 1.45% |
| San Antonio | 0.92% | 1.26% | 1.48% | 1.60% | 1.65% |
| Schertz | 0.64% | 1.10% | 1.68% | 1.76% | 1.87% |
| Spring Branch | 0.89% | 1.21% | 1.23% | 1.33% | 1.38% |
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Real Estate Values in Comal County
The data from Redfin shows that the median home price in Comal County, Texas decreased by 12.05% from October 2022 to October 2023. This suggests that the housing market in Comal County is cooling off, as the median home price dropped from $434.0K to $365.0K. Additionally, the home inventory in Comal County increased from 1.3K in October 2022 to 1.6K in October 2023, indicating that there is more housing supply available in the area. Overall, these trends suggest that the housing market in Comal County is slowing down.
Average Home Value in Comal County, Texas
Last updated: November 2023
Percent Change in Total Home Sales in Comal County
Last updated: November 2023
Percent Change in New Home Listings in Comal County
Last updated: November 2023
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Mortgage Rates in Comal County
Comal County has a total outstanding loan amount of $14.5 billion across home mortgages. This represents a significant portion of the total home value in the county, with 30,100 outstanding loans. The median mortgage rate in Comal County varies across cities, with Schertz having the highest rate at 4.1%, and Bulverde having the lowest rate at 3.79%. This variation in rates across cities can be attributed to the different economic conditions in each city, as well as the availability of lenders in each area.
Overall, Comal County has a large amount of outstanding loans and a wide range of mortgage rates. This provides homeowners with a variety of options when it comes to financing their home, and allows them to find the best rate for their individual situation. With the right research and guidance, homeowners in Comal County can find the best mortgage rate for their needs.
Outstanding Mortgages
The table below shows the percentile distribution of outstanding loans on residential properties in Comal County by city.
| City | 10th Percentile | 25th Percentile | Median | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| Boerne | $145,991 | $237,345 | $348,447 | $430,765 | $525,054 |
| Bulverde | $105,422 | $185,329 | $252,746 | $326,451 | $418,807 |
| Canyon Lake | $37,577 | $82,468 | $153,088 | $248,979 | $357,813 |
| Fischer | $49,198 | $115,430 | $213,623 | $276,536 | $333,173 |
| New Braunfels | $69,877 | $125,773 | $208,378 | $294,571 | $404,569 |
| San Antonio | $70,775 | $195,975 | $299,335 | $408,234 | $521,594 |
| Schertz | $87,728 | $124,654 | $175,669 | $240,348 | $296,115 |
| Spring Branch | $41,479 | $111,321 | $208,080 | $324,842 | $441,816 |
Mortgage Rates
The following table shows the 10th, 25th, 50th, 75th, and 90th percentile of mortgage rates in cities across Comal County.
| City | 10th Percentile | 25th Percentile | Median | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| Boerne | 2.87% | 3.15% | 3.89% | 4.30% | 4.80% |
| Bulverde | 2.80% | 3.10% | 3.79% | 4.41% | 5.36% |
| Canyon Lake | 2.90% | 3.44% | 3.99% | 4.60% | 5.92% |
| Fischer | 2.90% | 3.35% | 3.90% | 4.50% | 5.84% |
| New Braunfels | 2.88% | 3.40% | 3.93% | 4.50% | 5.78% |
| San Antonio | 2.90% | 3.50% | 4.06% | 4.88% | 6.19% |
| Schertz | 2.90% | 3.62% | 4.10% | 4.73% | 5.88% |
| Spring Branch | 2.90% | 3.42% | 3.97% | 4.60% | 6.06% |
Housing Expenses in Comal County, Texas
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