If your home is in the Dallas County portion of Garland, your combined property tax rate is roughly $2.39 per $100 of assessed value for the 2025 tax year. The Garland property tax rate isn’t a single number — it’s the sum of several overlapping jurisdictions, and the total depends on which county line your house sits on. Most Garland properties are in Dallas County; a smaller slice falls in Collin County and pays a noticeably lower combined rate because fewer special-district taxes apply there.
What Makes Up the Combined Rate
Two taxing entities apply to every Garland property regardless of county. The City of Garland levies $0.689746 per $100 of assessed value, and Garland Independent School District levies $1.17090 per $100, a $0.12 increase over 2024.1City of Garland. Tax Rates2Garland Independent School District. Property Tax Payments
Dallas County Side
Three more levies apply if your home is in Dallas County:
- Dallas County: $0.215500 per $100
- Parkland Hospital: $0.212000 per $100
- Dallas College: $0.106575 per $100
Added to the city and school rates, that puts the combined total at about $2.3949 per $100 of assessed value.3Dallas County. Tax Rates
Collin County Side
Properties in the Collin County portion of Garland pay Collin County’s rate of roughly $0.149343 per $100 instead of the Dallas County, Parkland, and Dallas College levies.4Collin Central Appraisal District. Tax Rates and Exemptions 2023 The combined total on the Collin side runs lower because the county consolidates fewer special-district taxes into its rate.
The Value the Rate Is Applied To
Your bill is the rate multiplied by your appraised value, less exemptions. Every Garland property is appraised as of January 1 by the central appraisal district for its county: Dallas CAD for Dallas County properties, Collin CAD for Collin County properties. The appraiser estimates what your property would sell for on the open market.5Texas Comptroller of Public Accounts. Valuing Property
If you have a homestead exemption, Texas law caps annual increases in your appraised value at 10 percent over the prior year, plus the value of any new construction. The cap starts January 1 of the year after you first qualify, and it protects you when neighborhood sale prices surge.6State of Texas. Texas Tax Code 23.23 – Limitation on Appraised Value of Residence Homestead
Exemptions That Lower the Bill
Exemptions reduce the taxable value before the rate is applied, and you have to file an application with your county’s appraisal district to get any of them. They are not automatic.
Standard School Homestead Exemption
Texas voters approved Proposition 13 in November 2025, raising the standard school district homestead exemption to $140,000. The increase applies retroactively to the 2025 tax year.7Ballotpedia. Texas Proposition 13, Increase Homestead Property Tax Exemption Amendment (2025) That $140,000 comes off your appraised value for the Garland ISD portion of the bill only.8State of Texas. Texas Tax Code 11.13 – Residence Homestead At the current ISD rate, that exemption alone is worth about $1,639 a year.
Age 65 or Older and Disabled Homeowners
Homeowners who are 65 or older or have a qualifying disability get an additional $60,000 school exemption on top of the $140,000, for a total school exemption of $200,000.9Texas Comptroller of Public Accounts. Property Tax Exemptions They also qualify for a school tax ceiling: once the exemption is in place, the dollar amount Garland ISD can charge is frozen at that year’s level and cannot rise even if your value or the rate goes up, though the ceiling adjusts if you add improvements.10State of Texas. Texas Tax Code 11.26 – Limitation of School Tax on Homesteads of Elderly or Disabled
Disabled Veterans
Veterans with a VA service-connected disability rating receive a tiered exemption:
- 10% to 29% disability: up to $5,000
- 30% to 49%: up to $7,500
- 50% to 69%: up to $10,000
- 70% or higher: up to $12,000
Veterans 65 or older with at least a 10 percent rating, those totally blind, or those who have lost the use of a limb qualify for the full $12,000 regardless of percentage. A surviving spouse of a qualifying disabled veteran may also receive the exemption.11State of Texas. Texas Tax Code 11.22 – Disabled Veterans
A Worked Example
Take a $350,000 home in the Dallas County portion of Garland with a standard homestead exemption. For the ISD portion, subtract the $140,000 exemption, leaving $210,000. Divide by 100, multiply by $1.17090, and you get about $2,459 for the school district. The city, county, Parkland, and Dallas College rates apply to the full $350,000, adding roughly $4,284. Total annual bill: about $6,743.3Dallas County. Tax Rates2Garland Independent School District. Property Tax Payments
Without the homestead exemption, the school district would tax the full $350,000 and the annual total would climb above $8,300. Filing for every exemption you qualify for is the single most effective way to lower what you pay.
Protesting Your Appraisal
Appraisal notices typically go out in mid-April.12Collin Central Appraisal District. 2026 Appraisal Notices If the market value looks too high, file a protest with the Appraisal Review Board by May 15, or within 30 days of the notice date, whichever is later.13Collin Central Appraisal District. 2026 Property Tax Protest and Appeal Procedures Miss the deadline and you forfeit the right to challenge the value for that tax year.
Dallas County residents file through the uFILE system at Dallas CAD.14Dallas Central Appraisal District. Dallas Central Appraisal District Collin County residents file through Collin CAD’s eFile portal using the Owner ID and PIN on the notice.15Collin Central Appraisal District. Taxpayer Portal The strongest evidence is comparable sales showing similar homes sold for less than the appraised value. Photos of deferred maintenance, foundation problems, or other value-reducing conditions help too. Property tax consultants typically take 25 to 50 percent of the first-year savings if you’d rather hand off the hearing.
When Payment Is Due and What Late Costs
Tax bills are mailed in October. You have until January 31 to pay without penalty. Any balance on February 1 is delinquent.16State of Texas. Texas Tax Code 31.02 – Delinquency Date
Penalty and interest climb fast once you miss it:17State of Texas. Texas Tax Code 33.01 – Penalties and Interest
- February 1: 6% penalty + 1% interest (7% total)
- March 1: 7% penalty + 2% interest (9% total)
- April 1: 8% penalty + 3% interest (11% total)
- May 1: 9% penalty + 4% interest (13% total)
- June 1: 10% penalty + 5% interest (15% total)
- July 1: 12% penalty + 6% interest (18% total)
On July 1, a taxing unit that has hired a collections attorney can add up to another 20 percent to cover legal fees.18State of Texas. Texas Tax Code 33.07 – Additional Penalty for Collection Costs for Taxes Due Before June 1 After July 1, the 12 percent penalty holds while interest keeps accruing at 1 percent a month with no cap. On a $6,000 bill, waiting until July can add more than $2,200.
Installment Option for Seniors, Disabled Homeowners, and Disabled Veterans
If you are 65 or older, disabled, or a disabled veteran with a homestead exemption, you can split your bill into four equal payments with no penalty. Pay the first installment by January 31 along with a written notice that you’ll pay in installments; the next three are due before April 1, June 1, and August 1.19State of Texas. Texas Tax Code 31.031 – Installment Payments of Certain Homestead Taxes Miss any installment and a 6 percent penalty plus interest hits the unpaid portion.
Billing and collection go through the county Tax Assessor-Collector: Dallas County for most Garland residents, Collin County for those in the northeastern portion. Both accept online payments.20Dallas County. Property Tax Lookup/Payment Application