Frost, Navarro County, Texas Property Taxes
Property Taxes in Frost, Texas
Median Frost, Texas effective property tax rate: 0.83%, significantly lower than the national median of 1.02%, and lower than the Texas state median of 1.48%.
Median Frost, Texas home value: $131,190
Median annual Frost, Texas tax bill: $819, $1,581 lower than the national median property tax bill of $2,400.
How are property taxes in Navarro calculated?
Property taxes in Frost, 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 Frost's property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Frost, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
Frost, Navarro County, Texas Property Tax Bill Calculator
$100,000
$1,500,000
$3,000,000
Median Effective Tax Rate
0.83%
Estimate Property Tax Bill
$1,089
$1,010
How Does the Frost Property Tax Calculator Work?
Use this Frost property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Frost's median effective tax rate of 0.83% — based on actual property records in Navarro 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 Frost'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 Frost: rates range from 0.83% in 76641 to 0.83% in 76641, 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 Frost.
About Frost Property Taxes
About Property Taxes in Frost, Navarro, Texas
Frost’s median effective property tax rate of 0.83% is lower than the Texas state median of 1.48% and lower than the national median of 1.02%. This rate reflects the Navarro 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 Frost. Homeowners in ZIP code 76641 carry a median effective rate of 0.83%, while those in the same ZIP code also pay 0.83%. This reflects how school district boundaries and local assessment districts are drawn across Navarro County. Understanding where your home is located can make a meaningful difference to your annual tax bill.
Frost 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 Frost, Navarro 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 Frost’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 Ă· 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 Frost Tax Rate
0.83%
Our median effective property tax rate (tax bill Ă· 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 Navarro County Tax Rate
0.97%
Median Effective Texas Tax Rate
1.48%
Median Effective United States Tax Rate
1.02%
Property Tax Rates Across Frost, Navarro County, Texas
| Zip | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 76641 | 0.16% | 0.36% | 0.83% | 1.50% | 1.66% |
Source: Ownwell
Property Tax Assessment Values Across Frost, Navarro County, Texas
When examining property taxes in Frost, 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 Navarro 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 Navarro County, assessment notices are sent in the spring each year. They'll typically reach your mailbox by the middle of May.
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 Frost.
For example, the median home price in Frost is $131,190, with tax bills ranging significantly across the county. 76641 has the highest median home price at $131,190.
Property Tax Assessment Values Across Frost, Navarro County, Texas
Source: Ownwell
$104,730
$245,285
$385,840
Median Frost Market Value
$131,190
Median Navarro County Market Value
$153,890
Median Texas Market Value
$258,851
Median United States Market Value
$235,294
Property Tax Assessment Values Across Frost, Navarro County, Texas
| Zip | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 76641 | $20,528 | $55,800 | $131,190 | $255,325 | $432,636 |
Source: Ownwell
Property Tax Bills Across Frost, Navarro County, Texas
Property tax bills in Frost are based on the assessed value of a home and the tax rates set by local taxing authorities. When a property’s market value is determined, that value is used to calculate the bill, with exemptions and local rates affecting the final amount. For homeowners, this means taxes can change when home values or tax rates change.
In Frost, the median home price is $131,190, and the median property tax bill is $819. That is well below the national median property tax bill of $2,400 and also below the national median property tax rate of 1.02%. The 25th percentile tax bill is $325, while the 75th percentile is $1,927 and the 90th percentile is $3,257. These figures show that property tax bills can vary widely, even within the same area, depending on the assessed value and local tax structure.
Median Frost Tax Bill
$819
Median Navarro County Tax Bill
$1,340
Median Texas Tax Bill
$3,441
Median United States Tax Bill
$2,400
Property Tax Bills Across Frost, Navarro County, Texas
| Zip | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 76641 | $155 | $325 | $819 | $1,927 | $3,257 |
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 | |
|---|---|
| Navarro Appraisal District | |
| Website | www.navarrocad.com |