County property tax calculator
Property Tax Calculator for Kendall County
Kendall County falls close to the national property tax average. At 1.203%, the effective rate is within a range that most US buyers see as typical — roughly in line with the 1.07% figure that governs the national conversation. On the county's median home value of $489,800, the annual tax bill lands at $5,892, or about $491 per month paid through escrow. The result is a tax load that neither stands out nor surprises. For buyers comparing this county with neighbors, the property tax line will look familiar. Escrow analysis each year will adjust for changes in assessed value, but the rate itself is stable and predictable for budget planning. Kendall County's median home value of $489,800 sits far above the Texas state average — this is a premium market. Buyers here typically see larger down payments, higher loan amounts, and pricing that can push certain loans into jumbo territory. The valuation reflects a combination of demand, employment access, and local amenities that tend to hold long-term. For buyers entering this market, the math shifts: monthly payments scale with the loan amount, and lenders may apply stricter scrutiny at higher price points. Homeowners' insurance and property tax often run above state norms as a direct result. Anyone budgeting a purchase should plan for the full carrying cost, not just the loan payment. Buyers moving into this tier should expect lender scrutiny on jumbo financing thresholds and may benefit from a full pre-approval before touring properties, since the price point often attracts multiple offers and fast decisions.
Property Tax Details
National average is 1.07%
Used to project future tax burden
Annual Property Tax
$0
Insights
Property Tax Landscape in Kendall County
Kendall County stands out within Texas with a 1.203% effective rate — well below the state average of 1.6%. The gap saves roughly $1,945 per year on a median-priced home, a substantial amount when compounded over the life of a mortgage. Counties in this tier often fund services through alternative revenue: sales tax, state transfers, tourism, or commercial tax base. For buyers who plan to hold long-term, the cumulative savings versus higher-tax counties in Texas can run into the tens of thousands. Escrow will still adjust with assessments, but the baseline rate offers a structurally lower carrying cost. Within Texas, Kendall County ranks as the 110th lowest of 250 counties by effective property tax rate.
Kendall County's median home value of $489,800 sits far above the Texas state average — this is a premium market. Buyers here typically see larger down payments, higher loan amounts, and pricing that can push certain loans into jumbo territory. The valuation reflects a combination of demand, employment access, and local amenities that tend to hold long-term. For buyers entering this market, the math shifts: monthly payments scale with the loan amount, and lenders may apply stricter scrutiny at higher price points. Homeowners' insurance and property tax often run above state norms as a direct result. Anyone budgeting a purchase should plan for the full carrying cost, not just the loan payment. Median household income in Kendall County sits above the Texas state average at $110,498, supporting broader access to conventional loan products and stronger debt-to-income profiles at the lender level. The price-to-income ratio of 4.4x is workable but requires planning. Households at the median can typically qualify for conventional or FHA financing at current rates. Median gross rent runs $1,576 per month, giving renters a baseline to compare against ownership costs in the same market.
Property Tax Scenarios — Kendall County
The scenarios below show how property tax scales across a range of home values typical for a premium market. Buyers comparing price points can see the direct effect on annual and monthly escrow: each step up in value moves the tax line proportionally at the county's effective rate. This is not the loan payment — it is the tax component that sits inside the monthly mortgage servicer collection.
| Home Value | Annual Tax | Monthly Escrow | 10-Year Total |
|---|---|---|---|
| $245,000 | $2,947 | $246 | $29,474 |
| $365,000 | $4,391 | $366 | $43,910 |
| $490,000 | $5,895 | $491 | $58,947 |
| $735,000 | $8,842 | $737 | $88,421 |
| $980,000 | $11,789 | $982 | $117,894 |
Frequently asked questions
The questions below address what buyers typically want to know about property tax in Kendall County — rate, escrow, deductibility, and how it compares to the state. All answers use county-specific figures.
What is the property tax rate in Kendall County?
Kendall County has an effective property tax rate of 1.203%, close to the national average (national average: 1.07%). On a median home of $489,800, that's about $5,892 per year, or $491 monthly through escrow.
How much are property taxes on a home in Kendall County?
At the county median of $489,800, annual property taxes run roughly $5,892, collected through mortgage escrow at about $491 per month.
How does Kendall County compare to Texas?
Kendall County's 1.203% rate is substantially below Texas's statewide average of 1.6%. The difference equals about $1,945 per year on a median home.
What is the median income in Kendall County?
Median household income in Kendall County is $110,498 (Census ACS 2023). Median gross rent runs $1,576 per month.
Are property taxes deductible in Kendall County?
Yes, property taxes are deductible on federal returns when you itemize, subject to the SALT cap ($10,000 for most filers). Kendall County homeowners paying $5,892 annually may benefit if their combined state and local tax burden exceeds the standard deduction.
How are property taxes calculated in Kendall County?
The county assessor multiplies your home's assessed value by the local tax rate. On a $489,800 home at the county's effective rate of 1.203%, the annual bill is approximately $5,892.
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Disclaimer: This calculator and the content on this page are for educational purposes only. They do not constitute financial, legal, or tax advice. Rates, loan limits, and eligibility criteria vary by lender, location, and borrower profile. Always consult a licensed financial professional before making borrowing decisions. CalcPier is independent and not affiliated with any lender listed on this page.
