76641 Property Tax Rate

Property owners in ZIP code 76641 (Frost, Texas) pay a median of $1,968/year in property taxes on homes valued at $143,200. This translates to an effective tax rate of 1.37%, which is near the Texas state average of 1.35%.

The monthly property tax burden for a median-valued home in 76641 is approximately $164, which factors into escrow payments on mortgages. This ZIP code is located within Navarro County. This is $1,163 less than the Texas average of $3,131/year.

Compared to similar ZIP codes in Texas, 76641 has lower property taxes. ZIP codes with similar effective rates include 77033 (1.37%) and 77043 (1.37%).

In Frost, property taxes represent approximately 2.7% of the median household income of $74,205, providing context for the relative tax burden on homeowners in this area.

Texas imposes no state income tax, and your homestead property's appraised value is capped at a 10% annual increase — this cap applies only after you file a Homestead Exemption with the Navarro Central Appraisal District. The exemption amount varies by taxing entity (school district, county, city), but typically reduces assessed value by $25,000–$40,000, saving most homeowners $400–$800/year. File your Homestead Exemption application with the Navarro Central Appraisal District by April 30 of the year following your purchase to lock in the 10% cap for future years.