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Gatesville, Bell County, Texas Property Taxes

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Property Taxes in Gatesville, Texas

  • Median Gatesville, Texas effective property tax rate: 1.07%, significantly lower than the national median of 1.02%, and higher than the Texas state median of 1.48%.

  • Median Gatesville, Texas home value: $79,630

  • Median annual Gatesville, Texas tax bill: $365, lower than the national median property tax bill of $2,400.

How are property taxes in Bell calculated?

Property taxes in Gatesville, Texas are calculated based on the tax assessed value, which is often lower than the actual market value due to property tax exemptions such as the homestead or senior exemption.

Understanding Gatesville's property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Gatesville, knowing local tax details benefits homeowners and investors.

Last Updated April 13, 2026

Gatesville, Bell County, Texas Property Tax Bill Calculator

$100,000

$1,500,000

$3,000,000

Median Effective Tax Rate

1.07%

Estimate Property Tax Bill

$852

$791

SAVE WITH OWNWELL

$774

Average Annual Tax Savings

How Does the Gatesville Property Tax Calculator Work?

Use this Gatesville property tax calculator to estimate your annual tax bill. Enter your property's assessed value and our calculator applies Gatesville's median effective tax rate of 1.07% — based on actual property records in Bell County — to generate your estimate.

Enter your property's estimated assessed value — the figure the local appraisal district uses to calculate your bill, which reflects any exemptions you hold and is typically lower than your home's market value. Our calculator applies Gatesville's median effective rate across all local levies, providing a more accurate estimate than applying a single county millage rate.

Your bill may vary by ZIP code within Gatesville: rates range from 1.07% in 76528 to 1.07% in 76528, primarily due to differences in school district levies and local assessment districts. Gatesville’s median tax bill is $365, which is lower than the Texas median tax bill by $2,035 and below the national median property tax bill of $2,400.

If your estimate is higher than expected, Ownwell can appeal your Gatesville assessment — you only pay if we save you money.

About Gatesville Property Taxes

About Property Taxes in Gatesville, Bell, Texas

Gatesville’s median effective property tax rate of 1.07% is higher than the Texas state median of 1.48% and lower than the national median of 1.02%. This rate reflects the Bell County base levy combined with local school district levies and Municipal Utility Districts that vary by subdivision throughout the city.

Property tax rates are not uniform across Gatesville. Homeowners in ZIP code 76528 carry a median effective rate of 1.07%, while those in the same ZIP code also pay 1.07%. This spread of 0.00 percentage points across the city reflects how school district boundaries and local assessment districts are drawn across Bell County. Understanding which part of Gatesville you live in can make a meaningful difference to your annual tax bill.

Gatesville homeowners who believe their assessed value is too high can file a formal appeal with the local Appraisal District before the May 15, 2026 deadline each year.

If your estimated bill above seems higher than expected, Ownwell can review your assessment and protest on your behalf. You only pay if we save you money.

Property Tax Rates Across Gatesville, Bell County, Texas

As noted earlier, local government entities set tax rates, which can vary widely within a state.

Why? Because annually, each county estimates its required budget to provide services and divides that by the total value of all taxable property within its jurisdiction. This calculation results in the property tax rate.

While there are votes and laws involved in setting tax rates and budgets, in a nutshell, this is the annual process.

Below, you can compare Gatesville's effective property tax rate to other cities in Texas and the median property tax rates in Texas and the U.S.

Property Tax Rates Across Gatesville, Bell County, Texas

Source: Ownwell

0.76%

1.43%

2.09%

Our median effective property tax rate (tax bill ÷ assessor's market value) accounts for exemptions and deductions, making it more accurate than the general median tax rate, which is the midpoint of statutory rates before adjustments.

Median Effective Gatesville Tax Rate

1.07%

Our median effective property tax rate (tax bill ÷ assessor's market value) accounts for exemptions and deductions, making it more accurate than the general median tax rate, which is the midpoint of statutory rates before adjustments.

Median Effective Bell County Tax Rate

1.46%

Median Effective Texas Tax Rate

1.48%

Median Effective United States Tax Rate

1.02%

Property Tax Rates Across Gatesville, Bell County, Texas

Zip10th Percentile25th PercentileMedian Tax Rate75th Percentile90th Percentile
765280.13%0.21%1.07%1.49%1.82%

Source: Ownwell

Property Tax Assessment Values Across Gatesville, Bell County, Texas

When examining property taxes in Gatesville, Texas, understanding the distinction between "market value" and "assessed value" is crucial.

The market value is what a willing buyer would pay to a willing seller in an open and competitive market, often influenced by location, property condition, and economic market trends. The Bell County appraisal district estimates the market value for tax purposes.

The assessed value is the market value minus any applicable exemptions or limits determined by local laws and offerings. The tax assessed value is the figure used to calculate your property taxes or the amount multiplied by your tax rate to get your tax bill.

Assessment notices:

In Bell County, assessment notices are sent in April each year. They'll typically reach your mailbox by the middle of April.

Each property owner receives an assessment notice that contains both the market value and assessed value, along with an estimate of your property tax bill. For Gatesville, the median home price is $79,630, and the median tax bill is $365, far below the national median property tax bill of $2,400. Tax bills range across the county, with the 25th percentile at $144 and the 90th percentile at $3,889.

Property Tax Assessment Values Across Gatesville, Bell County, Texas

Source: Ownwell

$40,113

$275,459

$510,804

Median Gatesville Market Value

$79,630

Median Bell County Market Value

$242,285

Median Texas Market Value

$258,851

Median United States Market Value

$235,294

Property Tax Assessment Values Across Gatesville, Bell County, Texas

Zip10th Percentile25th PercentileMedian Home Price75th Percentile90th Percentile
76528$10,786$27,700$79,630$188,851$398,844

Source: Ownwell

Property Tax Bills Across Gatesville, Bell County, Texas

Property tax bills in Gatesville are based on the assessed value of a home and the local tax rates set by taxing authorities in Bell County. When a property’s market value rises, the tax bill can increase, even if the homeowner’s income does not. For Gatesville homeowners, the median home price is $79,630, and tax bills can vary widely, with the 25th percentile at $144 and the 75th percentile at $1,427. The highest and lowest median tax bill in the area is $365 in ZIP code 76528. Compared with the national median property tax rate of 1.02% and the national median property tax bill of $2,400, many local homeowners may still be paying more than they should if their assessed value is too high.

Ownwell helps homeowners lower their property tax bills by reviewing assessments, identifying potential savings, and filing appeals when appropriate. If your home is overassessed, Ownwell can help you challenge that value and reduce what you owe.

Property Tax Bills Across Gatesville, Bell County, Texas

Source: Ownwell

$365

$2,694

$5,022

Median Gatesville Tax Bill

$365

Median Bell County Tax Bill

$3,108

Median Texas Tax Bill

$3,441

Median United States Tax Bill

$2,400

Property Tax Bills Across Gatesville, Bell County, Texas

Zip10th Percentile25th PercentileMedian Tax Bill75th Percentile90th Percentile
76528$80$144$365$1,427$3,889

Source: Ownwell

Don't miss the deadline to protest!

Frequently Asked Property Tax Questions in Gatesville, Texas

How are property taxes calculated in Gatesville, Texas?
Property taxes in Gatesville, Texas are calculated by multiplying your property's assessed value by the applicable tax rate set by local taxing authorities. The assessed value is determined by the county assessor and may differ from your property's market value depending on local assessment ratios and exemptions.
How do I appeal my property taxes in Gatesville, Texas?
To appeal your property taxes in Gatesville, Texas, you typically need to file a formal protest or appeal with your local appraisal district or assessor's office by the stated deadline. You'll need evidence such as comparable sales, a recent independent appraisal, or documentation of property condition issues. Ownwell can handle this entire process for you.
What property tax exemptions are available in Gatesville, Texas?
Common property tax exemptions in Gatesville, Texas include homestead exemptions for primary residences, senior citizen exemptions, veteran exemptions, and disability exemptions. Exemption amounts and eligibility requirements vary by county. Contact your local appraisal district or check Ownwell for details specific to your property.
When are property taxes due in Gatesville, Texas?
Property tax deadlines in Gatesville, Texas vary by county but typically include an assessment notice period in spring or early summer, followed by an appeal deadline, and a tax payment due date in the fall or winter. Check with your county assessor's office for specific dates in your area.
How can Ownwell help reduce my property taxes in Gatesville, Texas?
Ownwell provides professional property tax appeal services in Gatesville, Texas. Our team analyzes your assessment, gathers evidence, files all paperwork, and represents you at hearings — all with no upfront cost. You only pay a percentage of your savings if we successfully lower your tax bill.