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Cleveland, Montgomery County, Texas Property Taxes

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Property Taxes in Cleveland, Texas

  • Median Cleveland, Texas effective property tax rate: 1.22%, significantly lower than the national median of 1.02%, and lower than the Texas state median of 1.48%.

  • Median Cleveland, Texas home value: $201,742

  • Median annual Cleveland, Texas tax bill: $1,482, lower than the national median property tax bill of $2,400.

How are property taxes in Montgomery calculated?

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

Last Updated April 13, 2026

Cleveland, Montgomery County, Texas Property Tax Bill Calculator

$100,000

$1,500,000

$3,000,000

Median Effective Tax Rate

1.22%

Estimate Property Tax Bill

$2,461

$2,284

SAVE WITH OWNWELL

$774

Average Annual Tax Savings

How Does the Cleveland Property Tax Calculator Work?

Use this Cleveland property tax calculator to estimate your annual tax bill. Enter your property's assessed value and our calculator applies Cleveland's median effective tax rate of 1.22% — based on actual property records in Montgomery 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 Cleveland'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 Cleveland: rates range from $975.00 in 77327 to $1,551.00 in 77328, primarily due to differences in school district levies and local assessment districts. Cleveland's median tax bill of $1,482 is lower than the Texas median tax bill by $918 and below the national median property tax bill of $2,400.

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

About Cleveland Property Taxes

About Property Taxes in Cleveland, Montgomery, Texas

Cleveland’s median effective property tax rate of 1.22% is lower than the Texas state median of 1.48% and higher than the national median of 1.02%. This rate reflects the Montgomery 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 Cleveland. Homeowners in the 77327 ZIP code carry a median effective rate of 1.82%, while those in 77328 pay 1.21%. This spread — 0.61 percentage points across the same city — reflects how school district boundaries and local assessment districts are drawn across Montgomery County. Understanding which part of Cleveland you live in can make a meaningful difference to your annual tax bill.

Cleveland 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 Cleveland, Montgomery 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 Cleveland'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 Cleveland, Montgomery County, Texas

Source: Ownwell

0.89%

1.35%

1.82%

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 Cleveland Tax Rate

1.22%

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 Montgomery County Tax Rate

1.36%

Median Effective Texas Tax Rate

1.48%

Median Effective United States Tax Rate

1.02%

Property Tax Rates Across Cleveland, Montgomery County, Texas

Zip10th Percentile25th PercentileMedian Tax Rate75th Percentile90th Percentile
773270.50%0.92%1.82%1.87%1.94%
773280.14%0.47%1.21%1.81%2.02%

Source: Ownwell

Property Tax Assessment Values Across Cleveland, Montgomery County, Texas

When examining property taxes in Cleveland, 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 Montgomery 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 Montgomery 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. For example, the median home price in Cleveland is $201,742, with tax bills ranging significantly across the county. 77328 has the highest median home price at $207,738.

Property Tax Assessment Values Across Cleveland, Montgomery County, Texas

Source: Ownwell

$86,334

$302,722

$519,110

Median Cleveland Market Value

$201,742

Median Montgomery County Market Value

$305,298

Median Texas Market Value

$258,851

Median United States Market Value

$235,294

Property Tax Assessment Values Across Cleveland, Montgomery County, Texas

Zip10th Percentile25th PercentileMedian Home Price75th Percentile90th Percentile
77327$31,843$54,011$86,334$128,531$240,185
77328$25,870$76,280$207,738$311,061$476,183

Source: Ownwell

Property Tax Bills Across Cleveland, Montgomery County, Texas

Property tax bills in Cleveland are based on the assessed value of a home, which is then multiplied by the local tax rate. For homeowners in Montgomery County, that means the market value of the property plays a major role in determining what is owed each year. With a median home price of $201,742, tax bills can vary widely depending on the home and its location.

The typical tax bill ranges from $430 at the 25th percentile to $4,030 at the 75th percentile, with the 90th percentile reaching $6,340. That spread shows how much assessed value and local taxing jurisdictions can affect what homeowners pay. Compared with the national median property tax rate of 1.02% and the national median property tax bill of $2,400, many homeowners may be paying more than they should.

Ownwell helps homeowners lower their property tax bills by reviewing assessments and identifying opportunities to appeal overvalued properties, which can lead to meaningful savings.

Property Tax Bills Across Cleveland, Montgomery County, Texas

Source: Ownwell

$745

$3,834

$6,922

Median Cleveland Tax Bill

$1,482

Median Montgomery County Tax Bill

$4,047

Median Texas Tax Bill

$3,441

Median United States Tax Bill

$2,400

Property Tax Bills Across Cleveland, Montgomery County, Texas

Zip10th Percentile25th PercentileMedian Tax Bill75th Percentile90th Percentile
77327$181$731$975$1,387$2,255
77328$145$426$1,551$4,092$6,340

Source: Ownwell

Don't miss the deadline to protest!

Frequently Asked Property Tax Questions in Cleveland, Texas

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