78631 Property Tax Rate

Property owners in ZIP code 78631 (Harper, Texas) pay a median of $1,815/year in property taxes on homes valued at $339,100. This translates to an effective tax rate of 0.54%, which is 60% below the Texas state average of 1.35%.

The monthly property tax burden for a median-valued home in 78631 is approximately $151, which factors into escrow payments on mortgages. This ZIP code is located within Kimble County. This is $1,316 less than the Texas average of $3,131/year.

Compared to similar ZIP codes in Texas, 78631 has lower property taxes. ZIP codes with similar effective rates include 77419 (0.53%) and 76261 (0.54%).

In Harper, property taxes represent approximately 2.5% of the median household income of $73,646, providing context for the relative tax burden on homeowners in this area.

Texas caps homestead appraisal increases at 10% annually — file your Homestead Exemption application with the Kimble County Appraisal District by April 30 of the year after purchase to activate this protection. The exemption lowers assessed value across all local taxes; on Kimble County's median $162,700 home, homeowners typically save $500–$800/year. Contact the Kimble County Assessor immediately upon closing to submit your exemption form and secure the cap.