76501 Property Tax Rate

Property owners in ZIP code 76501 (Temple, Texas) pay a median of $2,175/year in property taxes on homes valued at $151,000. This translates to an effective tax rate of 1.44%, which is 6% above the Texas state average of 1.35%.

The monthly property tax burden for a median-valued home in 76501 is approximately $181, which factors into escrow payments on mortgages. This ZIP code is located within Bell County. This is $956 less than the Texas average of $3,131/year.

Compared to similar ZIP codes in Texas, 76501 has higher property taxes. ZIP codes with similar effective rates include 76250 (1.44%) and 78722 (1.44%).

In Temple, property taxes represent approximately 4.3% of the median household income of $50,764, providing context for the relative tax burden on homeowners in this area.

Texas caps annual appraisal increases at 10% for homestead properties, but this cap only applies once you file — submit your Homestead Exemption application to the Bell County Appraisal District by April 30 of the year following purchase. The exemption removes a portion of assessed value from school and county taxes, saving most homeowners $400–$700/year on a median $151,000 property. File your exemption with the Bell County Assessor right after closing and watch for your Notice of Appraised Value in January to verify the homestead cap is applied.