75645 Property Tax Rate
Gilmer, Texas · Part of Upshur County
Effective Tax Rate
1.35%
23% below state avgMedian Annual Tax
$2,412
$201/mo escrow
Estimate Your Tax
Annual Tax
$2,412
Monthly
$201
Eff. Rate
1.35%
Buyer decision brief
What ZIP 75645 means for your housing budget
Use this ZIP page to compare recurring tax burden before you compare listing prices. The numbers below are Census ZCTA estimates, so they are strongest for neighborhood comparison and weakest for parcel-specific tax planning.
Monthly escrow signal
$201/mo
Based on median annual tax paid
State context
Near the Texas average
Texas average: 1.35%
Data confidence
High confidenceThe Census margin of error is $202, about 8% of the median tax estimate.
Verify before you offer
- Confirm parcel assessed value with Upshur County assessor.
- Check homestead, senior, veteran, and disability exemptions.
- Ask whether purchase triggers reassessment or value-cap reset.
- Review school district and special assessment boundaries.
Lower-rate similar ZIPs
This is informational content, not tax, legal, or mortgage advice. Local assessor records remain the source of truth for a specific property.
Data confidence ledger
Can you trust ZIP 75645 for comparison?
ACS vintage
2019-2023 ACS 5-Year Estimates
Five-year Census ZCTA estimates.
ZCTA caveat
Census area, not parcel boundary
USPS ZIP routes and taxing districts can differ inside the same area.
Field completeness
3/3 required fields
Median tax, home value, and derived rate are present.
MOE status
Strong ACS confidence
$202 tax MOE, 8% of the median tax estimate.
Last site refresh
March 10, 2026
Dataset and page-quality audit run locally before publication.
County fallback
County advisory available
Upshur County is used for assessor verification and broader context.
Tax bill anatomy
What can change your actual bill in ZIP 75645
Use the ZIP estimate to compare neighborhoods, then verify these parcel-level inputs before relying on a payment estimate.
Assessed value
The ZCTA median home value is $178,700, but your bill starts with the local assessed value for a specific parcel.
Effective rate
The displayed rate is 1.35%, derived from median tax paid divided by median home value.
Exemptions
Homestead, senior, veteran, disability, and local exemptions can reduce taxable value. Confirm eligibility before estimating escrow.
Reassessment
A purchase can change assessed value depending on Texas and county rules. Ask how sale price affects the next assessment cycle.
Escrow impact
The median tax paid in this ZCTA equals about $201 per month before insurance, HOA dues, or special assessments.
Assessor verification
Upshur County assessor or tax collector records are the source of truth for parcel taxes, appeal windows, and exemptions.
How ZIP 75645 Compares
Median Annual Property Tax
ZIP 75645
1.35%
Effective rate
Texas Avg
1.35%
Effective rate
National Avg
1.10%
Effective rate
State Ranking
Property Tax Rank in Texas
Lower than 50% of ZIP codes in Texas(50th percentile, 1,654 ZIPs compared)
Property Tax Analysis
Property Tax Insights for ZIP 75645
Property owners in ZIP code 75645 (Gilmer, Texas) pay a median of $2,412/year in property taxes on homes valued at $178,700. This translates to an effective tax rate of 1.35%, which is near the Texas state average of 1.35%.
The monthly property tax burden for a median-valued home in 75645 is approximately $201, which factors into escrow payments on mortgages. This ZIP code is located within Upshur County. This is $719 less than the Texas average of $3,131/year.
Compared to similar ZIP codes in Texas, 75645 has higher property taxes. ZIP codes with similar effective rates include 78117 (1.35%) and 75601 (1.35%).
In Gilmer, property taxes represent approximately 3.8% of the median household income of $64,069, providing context for the relative tax burden on homeowners in this area.
Texas law caps annual appraisal increases at 10% for homestead properties, but this cap only applies once you file your Homestead Exemption — submit the application to the Upshur County Appraisal District by April 30 of the year following your purchase. The exemption removes a portion of assessed value from school and county taxes, typically saving homeowners $700–$1,400 annually. Contact the Upshur County Appraisal District immediately after closing to file and lock in your base year value.
Frequently Asked Questions
What is the property tax rate in ZIP code 75645?
How much are property taxes in Gilmer, TX (75645)?
How does ZIP 75645 compare to the Texas average?
What is the median home value in ZIP 75645?
What county is ZIP code 75645 in?
Margin of Error
The median property tax estimate for this ZIP code has a margin of error of ±$202. ZCTA-level data has wider margins than county-level estimates due to smaller sample sizes.
County-Level Data
ZIP code 75645 is part of Upshur County, Texas. View the full county profile for broader context and more data.
View Upshur County on TaxByCounty →Explore Gilmer, TX
View all 2 ZIP codes in Gilmer with property tax comparisons.
View Gilmer Property Tax Rates →Why compare these ZIPs?
Better comparison set for ZIP 75645
Each ZIP highlights a homebuyer tradeoff: lower rate, stronger value context, shared county rules, city boundary changes, or nearby missing data.
75644
Gilmer, TX
0.26 percentage points lower than ZIP 75645.
Rate
1.09%
Tax
$1,792
Quality
91
75683
Ore City, TX
0.19 percentage points lower than ZIP 75645.
Rate
1.16%
Tax
$1,235
Quality
89
75755
Big Sandy, TX
0.02 percentage points lower than ZIP 75645.
Rate
1.33%
Tax
$1,447
Quality
84
75205
Dallas, TX
0.69 percentage points lower than ZIP 75645.
Rate
0.66%
Tax
$10,001
Quality
82
75225
Dallas, TX
0.68 percentage points lower than ZIP 75645.
Rate
0.67%
Tax
$10,001
Quality
82
77005
Houston, TX
0.61 percentage points lower than ZIP 75645.
Rate
0.74%
Tax
$10,001
Quality
82
78703
Austin, TX
0.61 percentage points lower than ZIP 75645.
Rate
0.74%
Tax
$10,001
Quality
82
78746
Austin, TX
0.61 percentage points lower than ZIP 75645.
Rate
0.74%
Tax
$10,001
Quality
82
Data from U.S. Census Bureau, American Community Survey 2019-2023 5-Year Estimates (ZCTA level). ZIP Code Tabulation Areas (ZCTAs) are Census approximations of USPS ZIP codes.
Estimates are informational only and should not be used as financial or legal advice.