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Troy, Bell County, Texas Property Taxes

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Property Taxes in Troy, Texas

  • Median Troy, Texas effective property tax rate: 1.03%, significantly lower than the national median of 1.02%, and lower than the Texas state median of 1.48%.

  • Median Troy, Texas home value: $227,790

  • Median annual Troy, Texas tax bill: $1,673, $727 lower than the national median property tax bill of $2,400.

How are property taxes in Bell County calculated?

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

Last Updated April 13, 2026

Troy, Bell County, Texas Property Tax Bill Calculator

$100,000

$1,500,000

$3,000,000

Median Effective Tax Rate

1.03%

Estimate Property Tax Bill

$2,346

$2,177

SAVE WITH OWNWELL

$774

Average Annual Tax Savings

How Does the Troy Property Tax Calculator Work?

Use this Troy property tax calculator to estimate your annual tax bill. Enter your property's assessed value and our calculator applies Troy's median effective tax rate of 1.03% — 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 Troy'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 Troy: rates range from 1.03% in 76579 to 1.03% in 76579, primarily due to differences in school district levies and local assessment districts. Troy's median effective tax rate is higher than the Texas median tax rate of 1.48%, and the median tax bill of $1,673 is lower than the state median tax bill by $727.

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

About Troy Property Taxes

About Property Taxes in Troy, Bell, Texas

Troy’s median effective property tax rate of 1.03% is lower than the Texas state median of 1.48% and higher 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 Troy. Homeowners in ZIP code 76579 carry a median effective rate of 1.03%, and the median tax bill is $1,673. That bill is $727 lower than the Texas state median tax bill, showing how location can affect what you owe each year.

Troy homeowners who believe their assessed value is too high can file a formal appeal with the Appraisal District before the May 15, 2026 deadline each year. If your estimated bill 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 Troy, 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 Troy's effective property tax rate to other cities in Texas and the median property tax rates in Texas and the U.S.

Bell County’s property tax rate is higher than the state median, and Troy’s median tax rate is 1.03%. That is slightly above the national median property tax rate of 1.02%, and the national median property tax bill of $2400 provides a useful benchmark for comparison.

Property Tax Rates Across Troy, 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 Troy Tax Rate

1.03%

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 Troy, Bell County, Texas

Zip10th Percentile25th PercentileMedian Tax Rate75th Percentile90th Percentile
765790.23%0.52%1.03%1.43%1.73%

Source: Ownwell

Property Tax Assessment Values Across Troy, Bell County, Texas

When examining property taxes in Troy, 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 the spring 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. By providing insights into how assessed and market values are determined, this section helps property owners navigate their tax responsibilities and understand the valuation processes affecting their property taxes in Troy.

For example, the median home price in Troy is $227,790, with tax bills ranging significantly across the county. 76579 has the highest median home price at $227,790.

Property Tax Assessment Values Across Troy, Bell County, Texas

Source: Ownwell

$40,113

$275,459

$510,804

Median Troy Market Value

$227,790

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 Troy, Bell County, Texas

Zip10th Percentile25th PercentileMedian Home Price75th Percentile90th Percentile
76579$35,944$101,645$227,790$274,406$379,866

Source: Ownwell

Property Tax Bills Across Troy, Bell County, Texas

Property tax bills in Troy are based on the assessed value of a home, not the sale price, and the local tax rate applied by Bell County and other taxing authorities. For a home with a median home price of $227,790, the bill can vary widely depending on exemptions, location, and how the property is assessed. Homeowners in Troy may see bills that range from $543 at the 25th percentile to $3,344 at the 75th percentile, with the 90th percentile at $4,973. That spread shows how much assessed value and local tax settings can affect what you owe.

Ownwell helps homeowners lower property tax bills by reviewing assessments, identifying savings opportunities, and handling the appeal process. If your home is overassessed, Ownwell can help you challenge that value and work toward a fairer bill, which may reduce the amount you pay each year.

Property Tax Bills Across Troy, Bell County, Texas

Source: Ownwell

$365

$2,694

$5,022

Median Troy Tax Bill

$1,673

Median Bell County Tax Bill

$3,108

Median Texas Tax Bill

$3,441

Median United States Tax Bill

$2,400

Property Tax Bills Across Troy, Bell County, Texas

Zip10th Percentile25th PercentileMedian Tax Bill75th Percentile90th Percentile
76579$164$543$1,673$3,344$4,973

Source: Ownwell

Don't miss the deadline to protest!

Frequently Asked Property Tax Questions in Troy, Texas

How are property taxes calculated in Troy, Texas?
Property taxes in Troy, 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 Troy, Texas?
To appeal your property taxes in Troy, 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 Troy, Texas?
Common property tax exemptions in Troy, 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 Troy, Texas?
Property tax deadlines in Troy, 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 Troy, Texas?
Ownwell provides professional property tax appeal services in Troy, 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.