Home
/US Property Taxes
/Texas
/Llano County
/Horseshoe Bay

Horseshoe Bay, Llano County, Texas Property Taxes

$774 avg. annual savings
No Upfront Costs
You only pay if we save

Property Taxes in Horseshoe Bay, Texas

  • Median Horseshoe Bay, Texas effective property tax rate: 1.32%, significantly lower than the national median of 1.02%, and lower than the Texas state median of 1.48%.

  • Median Horseshoe Bay, Texas home value: $641,365

  • Median annual Horseshoe Bay, Texas tax bill: $8,023, higher than the national median property tax bill of $2,400.

How are property taxes in Llano calculated?

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

Last Updated April 13, 2026

Horseshoe Bay, Llano County, Texas Property Tax Bill Calculator

$100,000

$1,500,000

$3,000,000

Median Effective Tax Rate

1.32%

Estimate Property Tax Bill

$8,466

$7,856

SAVE WITH OWNWELL

$774

Average Annual Tax Savings

How Does the Horseshoe Bay Property Tax Calculator Work?

Use this Horseshoe Bay property tax calculator to estimate your annual tax bill. Enter your property's assessed value and our calculator applies Horseshoe Bay's median effective tax rate of 1.32% — based on actual property records in Llano 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 Horseshoe Bay'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 Horseshoe Bay: rates range from 1.32% in 78657 to 1.32% in 78657, primarily due to differences in school district levies and local assessment districts.

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

About Horseshoe Bay Property Taxes

About Property Taxes in Horseshoe Bay, Llano, Texas

Horseshoe Bay’s median effective property tax rate of 1.32% is lower than the Texas state median of 1.48% and higher than the national median of 1.02%. This rate reflects the Llano 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 Horseshoe Bay. Homeowners in the 78657 ZIP code carry a median effective rate of 1.32%, while those in the same ZIP code pay 1.32%. This spread reflects how school district boundaries and local assessment districts are drawn across Llano County. Understanding which part of Horseshoe Bay you live in can make a meaningful difference to your annual tax bill.

Horseshoe Bay 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 Horseshoe Bay, Llano 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 Horseshoe Bay'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 Horseshoe Bay, Llano County, Texas

Source: Ownwell

0.96%

1.14%

1.32%

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 Horseshoe Bay Tax Rate

1.32%

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 Llano County Tax Rate

1.12%

Median Effective Texas Tax Rate

1.48%

Median Effective United States Tax Rate

1.02%

Property Tax Rates Across Horseshoe Bay, Llano County, Texas

Zip10th Percentile25th PercentileMedian Tax Rate75th Percentile90th Percentile
786571.03%1.15%1.32%1.32%1.32%

Source: Ownwell

Property Tax Assessment Values Across Horseshoe Bay, Llano County, Texas

When examining property taxes in Horseshoe Bay, 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 Llano 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 Llano 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. 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 Horseshoe Bay.

For example, the median home price in Horseshoe Bay is $641,365, with tax bills ranging significantly across the county. 78657 has the highest median home price at $641,365.

Property Tax Assessment Values Across Horseshoe Bay, Llano County, Texas

Source: Ownwell

$158,740

$400,053

$641,365

Median Horseshoe Bay Market Value

$641,365

Median Llano County Market Value

$285,725

Median Texas Market Value

$258,851

Median United States Market Value

$235,294

Property Tax Assessment Values Across Horseshoe Bay, Llano County, Texas

Zip10th Percentile25th PercentileMedian Home Price75th Percentile90th Percentile
78657$233,495$389,622$641,365$1,160,130$2,128,033

Source: Ownwell

Property Tax Bills Across Horseshoe Bay, Llano County, Texas

Property tax bills in Horseshoe Bay are based on the assessed value of a home, which is then multiplied by the local tax rate. For a city with a median home price of $641,365, that calculation can lead to a wide range of bills depending on neighborhood, exemptions, and how the property is classified. Homeowners in Llano County should know that a higher assessed value usually means a higher tax bill, even when the market changes more slowly than the tax assessment.

In Horseshoe Bay, the median property tax bill is $8,023, which is well above the national median property tax bill of $2,400. Bills can also vary significantly, with the 25th percentile at $4,641 and the 75th percentile at $14,388. That means many homeowners are paying more than the national norm, and some are paying much more.

Ownwell helps homeowners lower property tax bills by reviewing assessments, identifying savings opportunities, and filing appeals when properties are overassessed.

Property Tax Bills Across Horseshoe Bay, Llano County, Texas

Source: Ownwell

$1,348

$4,686

$8,023

Median Horseshoe Bay Tax Bill

$8,023

Median Llano County Tax Bill

$3,130

Median Texas Tax Bill

$3,441

Median United States Tax Bill

$2,400

Property Tax Bills Across Horseshoe Bay, Llano County, Texas

Zip10th Percentile25th PercentileMedian Tax Bill75th Percentile90th Percentile
78657$2,556$4,641$8,023$14,388$26,321

Source: Ownwell

Don't miss the deadline to protest!

Frequently Asked Property Tax Questions in Horseshoe Bay, Texas

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