76305 Property Tax Rate
Wichita Falls, Texas · Part of Clay County
Effective Tax Rate
1.39%
21.7% below state avgMedian Annual Tax
$2,451
$204/mo escrow
Estimate Your Tax
Annual Tax
$2,451
Monthly
$204
Eff. Rate
1.39%
Buyer decision brief
What ZIP 76305 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
$204/mo
Based on median annual tax paid
State context
0.03 percentage points above the Texas average
Texas average: 1.35%
Data confidence
High confidenceThe Census margin of error is $275, about 11% of the median tax estimate.
Verify before you offer
- Confirm parcel assessed value with Clay 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 76305 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
$275 tax MOE, 11% 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
Clay County is used for assessor verification and broader context.
Tax bill anatomy
What can change your actual bill in ZIP 76305
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 $176,700, but your bill starts with the local assessed value for a specific parcel.
Effective rate
The displayed rate is 1.39%, 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 $204 per month before insurance, HOA dues, or special assessments.
Assessor verification
Clay County assessor or tax collector records are the source of truth for parcel taxes, appeal windows, and exemptions.
How ZIP 76305 Compares
Median Annual Property Tax
ZIP 76305
1.39%
Effective rate
Texas Avg
1.35%
Effective rate
National Avg
1.10%
Effective rate
State Ranking
Property Tax Rank in Texas
Higher than 53% of ZIP codes in Texas(53th percentile, 1,654 ZIPs compared)
Property Tax Analysis
Property Tax Insights for ZIP 76305
Property owners in ZIP code 76305 (Wichita Falls, Texas) pay a median of $2,451/year in property taxes on homes valued at $176,700. This translates to an effective tax rate of 1.39%, which is near the Texas state average of 1.35%.
The monthly property tax burden for a median-valued home in 76305 is approximately $204, which factors into escrow payments on mortgages. This ZIP code is located within Clay County. This is $680 less than the Texas average of $3,131/year.
Compared to similar ZIP codes in Texas, 76305 has lower property taxes. ZIP codes with similar effective rates include 77962 (1.39%) and 78578 (1.39%).
In Wichita Falls, property taxes represent approximately 3.1% of the median household income of $78,973, providing context for the relative tax burden on homeowners in this area.
Texas imposes no state income tax and caps annual homestead appraised value increases at 10% once you file for the Homestead Exemption with the Clay County Appraisal District by April 30 of the year following purchase. Clay County's Homestead Exemption removes a portion of assessed value from school district taxes, saving typical homeowners $150–$300 annually on a median-priced home. File your exemption application with the Clay County Appraisal District before the April 30 deadline to activate the 10% cap and protect your property from rapid reappraisal.
Frequently Asked Questions
What is the property tax rate in ZIP code 76305?
How much are property taxes in Wichita Falls, TX (76305)?
How does ZIP 76305 compare to the Texas average?
What is the median home value in ZIP 76305?
What county is ZIP code 76305 in?
Margin of Error
The median property tax estimate for this ZIP code has a margin of error of ±$275. ZCTA-level data has wider margins than county-level estimates due to smaller sample sizes.
County-Level Data
ZIP code 76305 is part of Clay County, Texas. View the full county profile for broader context and more data.
View Clay County on TaxByCounty →Explore Wichita Falls, TX
View all 7 ZIP codes in Wichita Falls with property tax comparisons.
View Wichita Falls Property Tax Rates →Why compare these ZIPs?
Better comparison set for ZIP 76305
Each ZIP highlights a homebuyer tradeoff: lower rate, stronger value context, shared county rules, city boundary changes, or nearby missing data.
76301
Wichita Falls, TX
Same city name, different county context: Wichita County.
Rate
1.70%
Tax
$1,224
Quality
94
76302
Wichita Falls, TX
Same city name, different county context: Wichita County.
Rate
1.95%
Tax
$2,773
Quality
94
76306
Wichita Falls, TX
Same city name, different county context: Wichita County.
Rate
1.65%
Tax
$1,737
Quality
94
76308
Wichita Falls, TX
$22,100 higher median home value than ZIP 76305.
Rate
1.80%
Tax
$3,577
Quality
94
76309
Wichita Falls, TX
Same city name, different county context: Wichita County.
Rate
1.74%
Tax
$2,412
Quality
94
76310
Wichita Falls, TX
$24,600 higher median home value than ZIP 76305.
Rate
1.78%
Tax
$3,581
Quality
94
76228
Bellevue, TX
0.44 percentage points lower than ZIP 76305.
Rate
0.95%
Tax
$1,423
Quality
84
76357
Byers, TX
0.13 percentage points lower than ZIP 76305.
Rate
1.26%
Tax
$1,476
Quality
84
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.