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County tax profile · 2026 · Census ACS + IRS data

Property Tax & Income in McCulloch County, Texas

McCulloch County has an effective property tax rate of 0.99%. On the median home value of $150,500, that's roughly $1,494 per year. Median household income is $54,043.

Effective Property Tax Rate1
0.99%
median tax $1,494 ÷ median home $150,500
Median Home Value1
$150,500
owner-occupied
Median Household Income1
$54,043
per-capita $34,124
Est. Annual Tax on Median Home1
$1,494
at 0.99% effective rate

What you'll pay, at a glance

Property taxes are the largest local tax most homeowners pay. The effective rate measures the real tax bill as a share of home value — a more useful number than the nominal “mill rate,” because assessment practices vary county to county.

MetricMcCulloch CountyTexas (state context)
Effective property tax rate10.99%1.18%
Median home value1$150,500—
State income tax3No state income taxNo state income tax
State sales tax38.20% combined8.20% combined

How this is calculated

The effective property tax rate is the median real-estate tax bill divided by the median home value — both for owner-occupied homes, from the U.S. Census Bureau's American Community Survey (ACS 5-year estimates)1. Median income is also from the ACS1. Federal and state income-tax figures use IRS2 and Tax Foundation3 data.

About McCulloch County, TX

McCulloch County's effective property tax rate of 0.993% falls below Texas's statewide median of 1.183%, placing the county 189th out of 250 counties for tax rate. That gap matters for homeowners in Brady, the county's largest town, where the median home value of $150,500 carries an annual real-estate tax bill of about $1,494. Compared with the national median rate of 0.794%, however, McCulloch County sits higher, so the county's advantage is regional rather than absolute. Households here earn a median of $54,043, with per-capita income at $34,124, meaning the tax bill absorbs a noticeable share of yearly earnings. The county's below-state rate signals a lighter property tax load than much of Texas, though buyers relocating from lower-tax states may find the overall cost higher than what they left behind.

Frequently asked questions

What is the property tax rate in McCulloch County, TX?
The effective rate is 0.99% — meaning the median tax bill equals about 0.99% of the median home value.
How much are property taxes on a median home?
On the median home ($150,500), the estimated annual bill is about $1,494.
Is McCulloch County's rate high or low?
Compare it to the state median of 1.18% and the national average near 1.1%.
How does the effective rate differ from my mill rate?
A mill rate is the nominal levy per $1,000 of assessed value. The effective rate reflects what you actually pay after exemptions and assessments — it's the median tax bill as a share of median home value, so it better predicts your real cost.
Will a reassessment raise my tax bill?
Not necessarily. If your home's assessed value rises, your bill can go up, but only if the mill rate and exemptions stay flat. Contact the McCulloch County assessor's office to review your current assessment.
Can I appeal my property tax assessment?
Yes. Most counties allow an appeal when you believe the assessed value exceeds the market value. File with the McCulloch County assessor within the local deadline, typically with comparable sales as evidence.
Sources
[1] U.S. Census Bureau — ACS 5-Year (2023) — Median home value (B25077), median real-estate taxes (B25103), median household income (B19013), per-capita income (B19301).
[2] IRS — Statistics of Income — County income, AGI, and real-estate taxes paid.
[3] Tax Foundation — State income, sales, corporate, and estate/inheritance tax rates.