Texas Property Taxes EXPLAINED | Why Your Mortgage is HIGHER Than Expected?

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Buying a home in Central Texas? Don’t get surprised by property taxes in Texas! In this video, we break down Texas property taxes step by step so you can know exactly what you’ll pay each month. Learn how Texas property taxes are calculated (assessed value × local tax rate), why rates differ across Temple, Belton, Troy, Killeen, and Salado, and how these differences can add hundreds to your mortgage—even on homes with the same price.

We also explain what’s included in PITI (principal, interest, taxes, insurance, and mortgage insurance), how escrow accounts work, and why new construction homes often see a spike after the county reassesses from “land only” to full home value.

Whether you’re comparing neighborhoods or planning your first purchase in Central Texas, this guide gives you the insights you need to understand tax rates, assessed values, and your true monthly costs—so you can budget smarter and avoid surprises!

VIEW HOMES AVAILABLE IN CENTRAL TX: https://www.livinginctx.com/buy
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🤔Buying or Selling in Central Texas?🤠
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Ready to Start Your Journey to Central Texas?
Home Buyer Guide (New Construction) → https://bit.ly/4gaw6TI
Home Buyer Guide → https://bit.ly/4g8IJ1M
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🤑 See the VALUE of Your Home: https://www.livinginctx.com/sell#home...
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People from all over the country are flocking to the great state of Texas. From affordable housing to tax advantages, job opportunities, and diverse cultures, Texas offers a unique blend of opportunities and experiences that are drawing people in. Discover why Texas has become the top choice for relocation and explore the countless attractions that make the Lone Star State a place to call home.

If you're considering making the move to Texas, you won't want to miss this. I would love to help you navigate the Central Texas real estate market by guiding your next move with insight, care and clear communication!

Feel free to call, shoot me a text, send an email, or schedule a Zoom call, and I’d love to help you make a smooth move to Central Texas!

If this is your first time to this channel, and you want to know everything about living in Central Texas, then subscribe▶ and tap the bell🛎 for notifications, so you can be the first to know about the current market in Central Texas 😁
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⏰ Timestamps and Video Chapters:
00:00 – Introduction to Texas Property Taxes
00:56 – Why Property Taxes Matter in Texas (No State Income Tax)
01:41 – Tax Rate Differences by Area (Temple, Belton, Troy, Salado; Inside/Outside City)
03:20 – Common Questions About Texas Property Taxes
06:53 – Where to Find Current Tax Rate, Assessed Value & Exemptions on the Record
09:46 – Buyer Tips If You Are Looking to Buy a Home in Central Texas
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Aundrea Dudik, Licensed TX Associate Broker | Realtor®
Texas Real Estate License: 694083
EXP Realty LLC
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TREC Information About Brokerages Service: https://bit.ly/4eIDGpO
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