Webb County property tax rates and exemptions work the same way they do everywhere else in Texas: several jurisdictions each set their own rate, and your bill is the sum of all of them applied to your property’s taxable value after exemptions. For 2025, Webb County itself adopted a rate of $0.382500 per $100 of taxable value.1Webb County. Notice of Public Hearing on Tax Increase 2025 That is only one line on your statement. The City of Laredo, your school district, and Laredo College each add their own rate on top.
The Jurisdictions That Tax Your Property
The Texas Comptroller lists these active taxing units in Webb County: Webb County, the City of Laredo, Laredo Independent School District, United Independent School District, and Laredo Junior College District (known as Laredo College).2Texas Comptroller of Public Accounts. Webb County Property Tax Directory Not every parcel sits inside every jurisdiction. A home inside Laredo city limits pays the city rate; a rural property outside those limits does not.
The most recently adopted rates from official sources:
- Webb County: $0.382500 per $100 of taxable value (2025 adopted rate).1Webb County. Notice of Public Hearing on Tax Increase 2025
- City of Laredo: $0.507623 per $100 of taxable value (FY 2025).3City of Laredo. Current Tax Rates
- Laredo ISD and United ISD each set their own rate annually, and school taxes usually make up the largest slice of a homeowner’s total bill.
- Laredo College levies a smaller rate for campus operations and debt service.
School district and college rates change each year and are published on their websites and through the Comptroller’s Truth-in-Taxation database. For the exact combined rate on your specific parcel, use your annual tax statement or look up your account through the Webb County Appraisal District.
How Your Bill Is Calculated
Three steps determine what you owe: the appraisal district values the property, exemptions reduce the taxable portion, and each jurisdiction’s rate applies to what remains.
The Webb County Appraisal District handles valuation. State law requires each appraisal district to reappraise all real and personal property at least once every three years, though high-activity areas often get reviewed more frequently.4State of Texas. Texas Tax Code TAX 25.18 – Periodic Reappraisal Appraisers must follow the Uniform Standards of Professional Appraisal Practice and base values on individual property characteristics and market evidence.5State of Texas. Texas Tax Code TAX 23.01 – Appraisals Generally
Exemptions then subtract from the appraised value before the rate applies. If your home is appraised at $250,000 and you qualify for a $140,000 school-district homestead exemption, the school rate hits only $110,000 of value. The gap between appraised value and taxable value is where most of your savings live.
Exemptions That Lower Your Taxable Value
General Homestead Exemption
Any Texas homeowner using a property as a primary residence can apply for a homestead exemption. For school district taxes, it removes $140,000 from the appraised value before the rate applies. A separate $3,000 county exemption applies for county purposes.6State of Texas. Texas Tax Code Section 11.13 – Residence Homestead Cities and other taxing units may adopt an optional exemption of up to 20% of the home’s appraised value, with a $5,000 floor.
The homestead designation also caps appraisal growth. The appraisal district cannot raise your appraised value on a homestead by more than 10% in a single year, regardless of what the market suggests. That cap prevents your bill from spiking when the local housing market heats up.
Over-65 and Disability 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 general $140,000 homestead exemption.6State of Texas. Texas Tax Code Section 11.13 – Residence Homestead Other taxing units may adopt their own additional exemptions for these groups, often starting at $3,000.
Qualifying homeowners also get a tax ceiling on their school district taxes. The dollar amount you owe for school taxes the year you turn 65, or the year you receive a disability exemption, becomes a permanent cap. Your school tax bill will not exceed that figure even if your value or the school rate climbs. Some cities and counties have adopted similar freezes, so check each taxing unit. If you sell your homestead and buy another one in Webb County, you can transfer the proportional benefit of that ceiling to the new property.
Non-Homestead Properties
Commercial and rental properties do not qualify for the homestead cap. A temporary circuit breaker instead limits appraised-value increases on non-homestead real property to 20% per year for the 2024 through 2026 tax years.7LegiScan. Texas Senate Bill 2 – 88th Legislature 2nd Special Session That protection is scheduled to expire at the end of 2026 unless the legislature extends it, which could mean a sharp increase in taxable value starting in 2027 for owners of investment property.
Protesting Your Appraisal
If you believe the appraisal district overvalued your property, you have the right to protest. This is the single most effective way for a Webb County homeowner to control a tax bill, and most people who use it never see a courtroom.
The deadline to file a written protest is May 15 or 30 days after the appraisal district mails your notice of appraised value, whichever is later.8State of Texas. Texas Tax Code TAX 41.44 – Notice of Protest No special form is required. Any written notice that identifies you, identifies your property, and expresses disagreement with the appraisal is legally sufficient. The Comptroller does prescribe Form 50-132, available on the Webb County Appraisal District’s website, which makes the process smoother.
After you file, the appraisal district usually offers an informal settlement meeting first. Many protests resolve there. If no agreement is reached, the case goes to the Appraisal Review Board, an independent panel that hears evidence from both sides. Bring comparable sales, photos of condition issues, or an independent appraisal. A hearing may last only 15 minutes, so focus on your strongest evidence and your opinion of value rather than every detail.
Payment Deadlines and Late Penalties
Property taxes in Texas are due by January 31 of the year following the tax year. Penalties and interest begin accruing on February 1 with no grace period, and the tax office has no discretion to waive them.
The penalty structure climbs fast:
- February 1: a 6% penalty on the unpaid amount, plus 1% interest.
- March through June: an additional 1% penalty and 1% interest for each month or partial month unpaid.
- July 1: the total penalty jumps to 12% regardless of how many months have passed, with interest continuing at 1% per month.9State of Texas. Texas Tax Code Section 33.01 – Penalties and Interest
After a full year of delinquency, combined penalties and interest can exceed 18% of the original amount. Homeowners who are 65 or older, disabled, or disabled veterans can defer tax payments without penalty, though the deferred amount accrues interest at 6% per year instead of the standard schedule.9State of Texas. Texas Tax Code Section 33.01 – Penalties and Interest Texas also offers a split-payment option: half by November 30 and the other half by June 30. Miss the second installment, and the 12% penalty applies immediately.
Looking Up Your Account
The Webb County Appraisal District hosts an online property search where you can look up your account by owner name, property address, or account number.10Webb County Appraisal District. Property Search It shows your current appraised and taxable values, the exemptions on file, and the jurisdictions taxing your parcel.
For payment status and receipts, the Webb County Tax Office runs a separate portal where you can search by property address or account ID and view amounts owed to each taxing unit.11Webb County Tax Office. Property Address Search Check both at least once a year. The appraisal district site confirms your value and exemptions. The tax office site shows what you owe and whether any delinquent balance exists. Catching an error before January 31 can save real money.