Commerce, Delta County, Texas Property Taxes

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Property Taxes in Commerce, Texas

Median Commerce, Texas effective property tax rate: 1.84%, significantly higher than the national median of 1.02%, and higher than the Texas state median of 1.48%.
Median Commerce, Texas home value: $187,310
Median annual Commerce, Texas tax bill: $2,589, higher than the national median property tax bill of $2,400.

How are property taxes in Delta calculated?

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

Last Updated April 13, 2026

Commerce, Delta County, Texas Property Tax Bill Calculator

Property Assessed Value

$100,000

$1,500,000

$3,000,000

Median Effective Tax Rate

1.84%

Estimate Property Tax Bill

$3,447

$3,198

How Does the Commerce Property Tax Calculator Work?

Use this Commerce property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Commerce's median effective tax rate of 1.84% — based on actual property records in Delta 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 Commerce's median effective rate across all local levies, providing a more accurate estimate than applying a single county millage rate.

Commerce's median effective tax rate is higher than the Texas median tax rate of 1.48%, and the median property tax bill is $2,589, which is $189 higher than the state median bill. Your bill may vary by ZIP code within Commerce, though the available data shows 75428 at $2,589.

For a more precise estimate, scroll down to explore ZIP code-level tax rate trends across Commerce.

About Commerce Property Taxes

About Property Taxes in Commerce, Delta, Texas

Commerce's median effective property tax rate of 1.84% is higher than the Texas state median of 1.48% and higher than the national median of 1.02%. This rate reflects the Delta County base levy combined with local school district levies and Municipal Utility Districts (MUDs) that vary by subdivision throughout the city.

Property tax rates are not uniform across Commerce. Homeowners in the 75428 ZIP code carry a median effective rate of 1.84%, while those in the same ZIP code pay 1.84%. This spread reflects how school district boundaries and local assessment districts are drawn across Delta County. Understanding which part of Commerce you live in can make a meaningful difference to your annual tax bill.

Commerce 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 Commerce, Delta 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 Commerce'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 Commerce, Delta County, Texas

Source: Ownwell

1.54%

2.00%

2.46%

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 Commerce Tax Rate

1.84%

Median Effective Delta County Tax Rate

2.33%

Median Effective Texas Tax Rate

1.48%

Median Effective United States Tax Rate

1.02%

Property Tax Rates Across Commerce, Delta County, Texas

Zip	10th Percentile	25th Percentile	Median Tax Rate	75th Percentile	90th Percentile
75428	0.79%	1.39%	1.84%	2.46%	2.64%

Source: Ownwell

Property Tax Assessment Values Across Commerce, Delta County, Texas

When examining property taxes in Commerce, 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 Delta 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 Delta 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 Commerce.

For example, the median home price in Commerce is $187,310, with tax bills ranging significantly across the county. 75428 has the highest median home price at $187,310.

Property Tax Assessment Values Across Commerce, Delta County, Texas

Source: Ownwell

$55,745

$143,578

$231,410

Median Commerce Market Value

$187,310

Median Delta County Market Value

$124,465

Median Texas Market Value

$258,851

Median United States Market Value

$235,294

Property Tax Assessment Values Across Commerce, Delta County, Texas

Zip	10th Percentile	25th Percentile	Median Home Price	75th Percentile	90th Percentile
75428	$33,046	$80,220	$187,310	$316,960	$503,918

Source: Ownwell

Property Tax Bills Across Commerce, Delta County, Texas

In Commerce, property tax bills are based on the assessed value of a home and the local tax rates set by taxing authorities. The assessed value is used to determine how much tax a homeowner owes, so changes in market value or assessment can directly affect the bill. Local budgets, school districts, and other public services all play a role in shaping the final amount.

For homeowners, this means a property tax bill can vary widely even within the same city. In Commerce, the median home price is $187,310, and the median property tax bill is $2,589, which is above the national median property tax bill of $2,400. Bills can range from $1,454 at the 25th percentile to $4,947 at the 75th percentile, with the 90th percentile reaching $7,482. These differences show how assessment and local tax rates can significantly affect what homeowners pay each year.

Property Tax Bills Across Commerce, Delta County, Texas

Source: Ownwell

$1,075

$2,081

$3,086

Median Commerce Tax Bill

$2,589

Median Delta County Tax Bill

$2,573

Median Texas Tax Bill

$3,441

Median United States Tax Bill

$2,400

Property Tax Bills Across Commerce, Delta County, Texas

Zip	10th Percentile	25th Percentile	Median Tax Bill	75th Percentile	90th Percentile
75428	$672	$1,454	$2,589	$4,947	$7,482

Source: Ownwell

Don't miss the deadline to protest!

Dates
Appeal Deadline	May 15

Links
Delta Appraisal District
Website	esearch.delta-cad.org

Frequently Asked Property Tax Questions in Commerce, Texas

How are property taxes calculated in Commerce, Texas?

Property taxes in Commerce, 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 Commerce, Texas?

To appeal your property taxes in Commerce, 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 Commerce, Texas?

Common property tax exemptions in Commerce, 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 Commerce, Texas?

Property tax deadlines in Commerce, 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 Commerce, Texas?

Ownwell provides professional property tax appeal services in Commerce, 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.