Luling, Caldwell County, Texas Property Taxes
Property Taxes in Luling, Texas
Median Luling, Texas effective property tax rate: 1.15%, significantly lower than the national median of 1.02%, and lower than the Texas state median of 1.48%.
Median Luling, Texas home value: $197,850
Median annual Luling, Texas tax bill: $1,747, lower than the national median property tax bill of $2,400.
How are property taxes in Caldwell calculated?
Property taxes in Luling, 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 Luling's property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Luling, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
Luling, Caldwell County, Texas Property Tax Bill Calculator
$100,000
$1,500,000
$3,000,000
Median Effective Tax Rate
1.15%
Estimate Property Tax Bill
$2,275
$2,111
How Does the Luling Property Tax Calculator Work?
Use this Luling property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Luling's median effective tax rate of 1.15% — based on actual property records in Caldwell 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 Luling'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 Luling: rates range from 1.15% in 78648 to 1.15% in 78648, primarily due to differences in school district levies and local assessment districts.
For a more precise estimate, scroll down to explore ZIP code-level tax rate trends across Luling.
About Luling Property Taxes
About Property Taxes in Luling, Caldwell, Texas
Luling’s median effective property tax rate of 1.15% is lower than the Texas state median of 1.48% and higher than the national median of 1.02%. This rate reflects the Caldwell 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 Luling. Homeowners in the 78648 ZIP code carry a median effective rate of 1.15%, while those in the same ZIP code pay 1.15%. This spread — 0 percentage points across the same city — reflects how school district boundaries and local assessment districts are drawn across Caldwell County. Understanding which part of Luling you live in can make a meaningful difference to your annual tax bill.
Luling 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 Luling, Caldwell 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 Luling's effective property tax rate to other cities in Texas and the median property tax rates in Texas and the U.S.
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 Luling Tax Rate
1.15%
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 Caldwell County Tax Rate
1.07%
Median Effective Texas Tax Rate
1.48%
Median Effective United States Tax Rate
1.02%
Property Tax Rates Across Luling, Caldwell County, Texas
| Zip | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 78648 | 0.26% | 0.50% | 1.15% | 1.77% | 1.83% |
Source: Ownwell
Property Tax Assessment Values Across Luling, Caldwell County, Texas
When examining property taxes in Luling, 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 Caldwell 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 Caldwell 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 example, the median home price in Luling is $197,850, with tax bills ranging significantly across the county. 78648 has the highest median home price at $197,850.
Property Tax Assessment Values Across Luling, Caldwell County, Texas
Source: Ownwell
$101,970
$230,352
$358,734
Median Luling Market Value
$197,850
Median Caldwell County Market Value
$232,395
Median Texas Market Value
$258,851
Median United States Market Value
$235,294
Property Tax Assessment Values Across Luling, Caldwell County, Texas
| Zip | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 78648 | $43,630 | $104,810 | $197,850 | $303,842 | $538,556 |
Source: Ownwell
Property Tax Bills Across Luling, Caldwell County, Texas
Property tax bills in Luling are based on the assessed value of a home and the local tax rates set by taxing authorities. The assessed value is tied to the market value of the property, so changes in home values can affect what homeowners owe each year. For a home with a median price of $197,850, the tax bill can vary widely depending on location and exemptions.
In this area, the 25th percentile tax bill is $789, while the 75th percentile tax bill is $3,213. At the higher end, the 90th percentile tax bill reaches $4,676. That range shows how property taxes can differ even among similar homes.
For homeowners, a higher assessed value often means a higher tax bill, which can increase the cost of owning a home. Understanding how property taxes are calculated can help homeowners better anticipate annual expenses and compare their bill to others in Caldwell County.
Median Luling Tax Bill
$1,747
Median Caldwell County Tax Bill
$1,813
Median Texas Tax Bill
$3,441
Median United States Tax Bill
$2,400
Property Tax Bills Across Luling, Caldwell County, Texas
| Zip | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 78648 | $402 | $789 | $1,747 | $3,213 | $4,676 |
Source: Ownwell
Don't miss the deadline to protest!
Dates | |
|---|---|
| Appeal Deadline | May 15 |
| Tax Bill | |
| Issued | October 1 |
| Due Date #1 | November 30 |
| Due Date #2 | June 30 |
Links | |
|---|---|
| Caldwell Appraisal District | |
| Website | esearch.caldwellcad.org |