The Guadalupe County tax rate for 2025 is $0.3304 per $100 of taxable value, made up of a $0.2784 general county rate plus a $0.052 lateral road rate.1Guadalupe County. 2025 Tax Rates That county figure is only one line on your bill. Your actual tax burden depends on which city, school district, and special districts overlap your parcel, and the combined rate from all those entities can run from roughly $1.40 to well over $2.50 per $100.
2025 Rates for Every Taxing Unit in the County
Texas law requires every taxing entity to adopt its rate by September 30 or within 60 days of receiving the certified appraisal roll, whichever comes later.2State of Texas. Texas Tax Code TAX – Tax Code The rates below are the 2025 adopted rates per $100 of taxable value.1Guadalupe County. 2025 Tax Rates
County
- Guadalupe County (general): $0.2784
- Lateral Roads: $0.052
- County total: $0.3304
Cities
- Cibolo: $0.5226
- Marion: $0.4216
- Santa Clara: $0.1634
- Schertz: $0.5118
- Seguin: $0.5135
- Selma: $0.1891
School Districts
- Marion ISD: $1.1199
- Navarro ISD: $1.2228
- Schertz ISD: $1.0769
- Seguin ISD: $1.0828
School district rates have two parts. Navarro ISD’s $1.2228, for example, breaks into a $0.7228 maintenance-and-operations rate that funds salaries, utilities, and supplies, plus a $0.50 interest-and-sinking rate that services voter-approved bond debt.3Navarro Independent School District. Tax Rates The other districts split their rates the same way, with different proportions.
Special Districts
Guadalupe County also contains numerous municipal utility districts and water control and improvement districts. Their 2025 rates range from $0.0043 for York Creek Water to $1.00 for Marion Oaks MUD.1Guadalupe County. 2025 Tax Rates If your property sits inside one of these districts, that rate stacks on top of everything else.
How to Calculate What You Actually Owe
Your tax bill equals your taxable value (after exemptions) divided by 100, then multiplied by each applicable rate, with the results added together. A home appraised at $300,000 with a $140,000 school district homestead exemption has a taxable value of $160,000 for school purposes. At Seguin ISD’s rate of $1.0828, the school portion alone is about $1,732.
Because every parcel sits within a unique combination of overlapping jurisdictions, two neighbors a few streets apart can face meaningfully different totals. A property inside Cibolo city limits and Schertz ISD carries a combined city-plus-school rate near $1.60 before county and special district rates get added. A property on unincorporated land inside Navarro ISD skips the city rate entirely but pays a higher school rate. Pulling your parcel’s full list of taxing entities from the Guadalupe County Tax Office is the first step to a reliable estimate.4Guadalupe County Tax Office. Guadalupe County Tax Office
Exemptions That Lower the Rate’s Impact
Exemptions reduce the slice of your appraised value that gets taxed, and for most homeowners the biggest one is the general residence homestead exemption, which removes $140,000 from your appraised value for school district tax purposes. Any local taxing unit can also adopt an optional homestead exemption of up to 20 percent of appraised value, with a $5,000 minimum.5Texas Comptroller of Public Accounts. Property Tax Exemptions
Homeowners who are 65 or older or who have a qualifying disability receive an additional $60,000 exemption from school district taxes on top of the standard $140,000.6State of Texas. Texas Tax Code Section 11.13 – Residence Homestead These homeowners also get a tax ceiling from the school district: once you qualify, the school district portion of your bill is frozen at the amount you paid that first year and cannot increase so long as you keep the homestead, even if your appraised value rises.7State of Texas. Texas Tax Code TAX 11.26 – Limitation of School District Tax Counties and cities may adopt a similar freeze if they choose.
Disabled Veteran Exemptions
Veterans with a service-connected disability rated by the U.S. Department of Veterans Affairs receive a partial exemption based on their rating:8Texas Comptroller of Public Accounts. Disabled Veteran and Surviving Spouse Exemptions Frequently Asked Questions
- 10% to 29%: up to $5,000 off appraised value
- 30% to 49%: up to $7,500 off
- 50% to 69%: up to $10,000 off
- 70% to 100%: up to $12,000 off
Veterans rated 100 percent disabled, or determined unemployable due to a service-connected disability, may qualify for a full exemption on their homestead, eliminating property taxes on that property entirely.
How to Apply
You apply for exemptions through the Guadalupe Appraisal District using the state’s residence homestead exemption form.9Texas Comptroller of Public Accounts. Residence Homestead Exemption Application Your driver’s license or state ID address generally needs to match the property address. Active-duty military members and their spouses can request a waiver of that requirement. Once approved, the exemption stays in place until you move or your eligibility changes; you don’t need to reapply each year.
Payment Deadlines, Methods, and Late Costs
The Guadalupe County Tax Office mails tax statements in October. Taxes are due upon receipt and become delinquent if not paid before February 1 of the following year.10State of Texas. Texas Tax Code TAX 31.02 – Delinquency Date The January 31 cutoff is firm. No grace period.
You can pay online through the county tax office portal using a credit card or electronic check, by mail, or in person at the tax offices in Seguin and Schertz. Online payments carry a processing fee from the third-party payment provider; on a large bill, electronic check is usually cheaper than a credit card percentage fee.
Installments for Qualifying Homeowners
Homeowners who are 65 or older, disabled, or disabled veterans can split their bill into four equal installments without penalty or interest.11State of Texas. Texas Tax Code TAX 31.031 Pay the first installment before February 1 and notify the tax office that you intend to use the plan. The other three are due before April 1, June 1, and August 1. If you miss one, only that unpaid installment picks up a 6 percent penalty plus 1 percent monthly interest.
What Late Payment Costs
Missing February 1 triggers a schedule that climbs fast. Penalties start at 6 percent in February and rise 1 percent each month, while interest accrues at 1 percent per month separately.12State of Texas. Texas Tax Code TAX 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, an additional collection penalty can be added to cover attorney fees if the taxing unit has contracted with a collection attorney. That penalty can match the attorney’s contract and run as high as 15 to 20 percent of the amount owed.13State of Texas. Texas Tax Code TAX 33.07 A $5,000 January balance can turn into roughly $6,500 by midsummer. Taxes that stay unpaid long enough can lead to a tax lien and eventually a foreclosure suit, so if your bill is unmanageable, contact the Guadalupe County Tax Office early.
Protesting Your Appraised Value
You can’t change the rate your taxing units adopt, but you can challenge the appraised value those rates apply to. The Guadalupe Appraisal District estimates what every parcel would sell for on the open market as of January 1, and mails a Notice of Appraised Value in late spring. That notice is not your tax bill, but it’s the number your bill will be built on.
If you believe the value is too high or the appraisal was not done uniformly, file a protest with the Appraisal Review Board. The deadline is May 15 or the 30th day after the notice was mailed to you, whichever is later.14State of Texas. Texas Tax Code TAX 41.44 – Notice of Protest If that date falls on a weekend or holiday, it moves to the next business day.
Most owners start with an informal review at the appraisal district’s office, which can resolve straightforward disputes without a hearing. If the informal process doesn’t produce an agreement, the formal protest goes before the Appraisal Review Board, where you present evidence such as recent comparable sales, photos of condition issues, or an independent appraisal. Three solid comparable sales that closed near the January 1 valuation date carry more weight than a general objection that the value seems too high. On a $350,000 appraisal that comparable sales support at $310,000, winning that $40,000 reduction can cut hundreds of dollars off your total bill once every taxing unit’s rate is applied.