78130 Property Tax Rate
New Braunfels, Texas · Part of Guadalupe County
Effective Tax Rate
1.36%
28.7% above state avgMedian Annual Tax
$4,030
$336/mo escrow
Estimate Your Tax
Annual Tax
$4,030
Monthly
$336
Eff. Rate
1.36%
Buyer decision brief
What ZIP 78130 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
$336/mo
Based on median annual tax paid
State context
0.01 percentage points above the Texas average
Texas average: 1.35%
Data confidence
High confidenceThe Census margin of error is $197, about 5% of the median tax estimate.
Verify before you offer
- Confirm parcel assessed value with Guadalupe 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 78130 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
$197 tax MOE, 5% 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
Guadalupe County is used for assessor verification and broader context.
Tax bill anatomy
What can change your actual bill in ZIP 78130
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 $296,300, but your bill starts with the local assessed value for a specific parcel.
Effective rate
The displayed rate is 1.36%, 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 $336 per month before insurance, HOA dues, or special assessments.
Assessor verification
Guadalupe County assessor or tax collector records are the source of truth for parcel taxes, appeal windows, and exemptions.
How ZIP 78130 Compares
Median Annual Property Tax
ZIP 78130
1.36%
Effective rate
Texas Avg
1.35%
Effective rate
National Avg
1.10%
Effective rate
State Ranking
Property Tax Rank in Texas
Higher than 51% of ZIP codes in Texas(51th percentile, 1,654 ZIPs compared)
Property Tax Analysis
Property Tax Insights for ZIP 78130
Property owners in ZIP code 78130 (New Braunfels, Texas) pay a median of $4,030/year in property taxes on homes valued at $296,300. This translates to an effective tax rate of 1.36%, which is near the Texas state average of 1.35%.
The monthly property tax burden for a median-valued home in 78130 is approximately $336, which factors into escrow payments on mortgages. This ZIP code is located within Guadalupe County. This is $899 more than the Texas average of $3,131/year.
Compared to similar ZIP codes in Texas, 78130 has higher property taxes. ZIP codes with similar effective rates include 75757 (1.36%) and 78379 (1.36%).
In New Braunfels, property taxes represent approximately 4.8% of the median household income of $84,426, providing context for the relative tax burden on homeowners in this area.
Texas law caps homestead appraisals at 10% annual increases, but you must file a Homestead Exemption with the Guadalupe County Appraisal District by April 30 in the year after purchase to activate this cap. The exemption removes a portion of assessed value from school and county tax bills, saving Guadalupe County homeowners typically $800–$1,500/year given the county's higher median home values. Submit your exemption application to the Guadalupe County Appraisal District within 30 days of closing and request written confirmation of your homestead designation.
Frequently Asked Questions
What is the property tax rate in ZIP code 78130?
How much are property taxes in New Braunfels, TX (78130)?
How does ZIP 78130 compare to the Texas average?
What is the median home value in ZIP 78130?
What county is ZIP code 78130 in?
Margin of Error
The median property tax estimate for this ZIP code has a margin of error of ±$197. ZCTA-level data has wider margins than county-level estimates due to smaller sample sizes.
County-Level Data
ZIP code 78130 is part of Guadalupe County, Texas. View the full county profile for broader context and more data.
View Guadalupe County on TaxByCounty →Explore New Braunfels, TX
View all 2 ZIP codes in New Braunfels with property tax comparisons.
View New Braunfels Property Tax Rates →Why compare these ZIPs?
Better comparison set for ZIP 78130
Each ZIP highlights a homebuyer tradeoff: lower rate, stronger value context, shared county rules, city boundary changes, or nearby missing data.
78132
New Braunfels, TX
0.16 percentage points lower than ZIP 78130.
Rate
1.20%
Tax
$6,835
Quality
89
78670
Staples, TX
0.61 percentage points lower than ZIP 78130.
Rate
0.75%
Tax
$1,750
Quality
74
78638
Kingsbury, TX
0.57 percentage points lower than ZIP 78130.
Rate
0.79%
Tax
$2,393
Quality
84
78124
Marion, TX
0.32 percentage points lower than ZIP 78130.
Rate
1.04%
Tax
$2,931
Quality
84
78123
Mc Queeney, TX
0.24 percentage points lower than ZIP 78130.
Rate
1.12%
Tax
$2,687
Quality
74
78155
Seguin, TX
0.17 percentage points lower than ZIP 78130.
Rate
1.19%
Tax
$2,936
Quality
89
75205
Dallas, TX
0.70 percentage points lower than ZIP 78130.
Rate
0.66%
Tax
$10,001
Quality
82
75225
Dallas, TX
0.69 percentage points lower than ZIP 78130.
Rate
0.67%
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.