Cumby, Hopkins County, Texas Property Taxes
Property Taxes in Cumby, Texas
Median Cumby, Texas effective property tax rate: 1.28%, significantly lower than the national median of 1.02%, and lower than the Texas state median of 1.48%.
Median Cumby, Texas home value: $167,840
Median annual Cumby, Texas tax bill: $1,695, $705 lower than the national median property tax bill of $2,400.
How are property taxes in Hopkins calculated?
Property taxes in Cumby, 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 Cumby's property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Cumby, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
Cumby, Hopkins County, Texas Property Tax Bill Calculator
$100,000
$1,500,000
$3,000,000
Median Effective Tax Rate
1.28%
Estimate Property Tax Bill
$2,148
$1,994
How Does the Cumby Property Tax Calculator Work?
Use this Cumby property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Cumby's median effective tax rate of 1.28% — based on actual property records in Hopkins 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 Cumby'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 Cumby: rates range from 1.28% in 75433 to 1.28% in 75433, 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 Cumby.
About Cumby Property Taxes
About Property Taxes in Cumby, Hopkins, Texas
Cumby’s median effective property tax rate of 1.28% is lower than the Texas state median of 1.48% and higher than the national median of 1.02%. This rate reflects the Hopkins County base levy combined with local school district levies and other local taxing units that affect bills across the city.
Property tax rates are not uniform across Cumby. Homeowners in ZIP code 75433 carry a median effective rate of 1.28%, and the median tax bill is $1,695. That same ZIP code also has a median home price of $167,840, showing how assessed values and local levies shape what homeowners pay.
Cumby homeowners who believe their assessed value is too high can file a formal appeal with the local Appraisal District before May 15, 2026.
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 Cumby, Hopkins 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 Cumby'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 Cumby Tax Rate
1.28%
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 Hopkins County Tax Rate
1.34%
Median Effective Texas Tax Rate
1.48%
Median Effective United States Tax Rate
1.02%
Property Tax Rates Across Cumby, Hopkins County, Texas
| Zip | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 75433 | 0.27% | 0.74% | 1.28% | 1.72% | 1.91% |
Source: Ownwell
Property Tax Assessment Values Across Cumby, Hopkins County, Texas
When examining property taxes in Cumby, 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 Hopkins 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 Hopkins County, assessment notices are sent in the spring each year. They'll typically reach your mailbox by the middle of the month when notices are sent.
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 Cumby, the median home price is $167,840, while the median tax bill is $1,695, compared with the national median property tax rate of 1.02% and national median property tax bill of $2,400. The highest median home price is in 75433 at $167,840.
Property Tax Assessment Values Across Cumby, Hopkins County, Texas
Source: Ownwell
$108,945
$163,958
$218,970
Median Cumby Market Value
$167,840
Median Hopkins County Market Value
$159,865
Median Texas Market Value
$258,851
Median United States Market Value
$235,294
Property Tax Assessment Values Across Cumby, Hopkins County, Texas
| Zip | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 75433 | $28,484 | $76,945 | $167,840 | $333,980 | $560,744 |
Source: Ownwell
Property Tax Bills Across Cumby, Hopkins County, Texas
Property tax bills in Cumby are based on the assessed value of a home and the local tax rates set for the area. For homeowners, the bill is determined by multiplying the taxable assessed value by the applicable rates, so a higher assessed value generally means a higher tax bill. In Cumby, the median home price is $167,840, and the median property tax bill is $1,695, which is below the national median property tax bill of $2,400 and the national median property tax rate of 1.02%.
Several factors can affect the final amount, including the home’s assessed value and the tax rates applied by local taxing authorities. Bills can vary widely from one property to another, with the 25th percentile at $750 and the 75th percentile at $3,064. At the high end, the 90th percentile reaches $4,840, showing how much property taxes can differ across homeowners. For many residents, this makes understanding how property taxes are calculated an important part of managing housing costs.
Median Cumby Tax Bill
$1,695
Median Hopkins County Tax Bill
$1,722
Median Texas Tax Bill
$3,441
Median United States Tax Bill
$2,400
Property Tax Bills Across Cumby, Hopkins County, Texas
| Zip | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 75433 | $267 | $750 | $1,695 | $3,064 | $4,840 |
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 | |
|---|---|
| Hopkins Appraisal District | |
| Website | iswdataclient.azurewebsites.net |