Graham, Young County, Texas Property Taxes

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Property Taxes in Graham, Texas

Median Graham, Texas effective property tax rate: 2.05%, significantly higher than the national median of 1.02%, and higher than the Texas state median of 1.48%.
Median Graham, Texas home value: $116,320
Median annual Graham, Texas tax bill: $2,077, $323 lower than the national median property tax bill of $2,400.

How are property taxes in Young calculated?

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

Last Updated April 13, 2026

Graham, Young County, Texas Property Tax Bill Calculator

Property Assessed Value

$100,000

$1,500,000

$3,000,000

Median Effective Tax Rate

2.05%

Estimate Property Tax Bill

$2,385

$2,213

How Does the Graham Property Tax Calculator Work?

Use this Graham property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Graham's median effective tax rate of 2.05% — based on actual property records in Young 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 Graham'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 Graham: rates range from 2.05% in 76450 to 2.05% in 76450, primarily due to differences in school district levies and local assessment districts. Graham's median effective tax rate is higher than the 1.48% Texas median and higher than the county median tax rate.

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

About Graham Property Taxes

About Property Taxes in Graham, Young, Texas

Graham’s median effective property tax rate of 2.05% is higher than the Texas state median of 1.48% and higher than the national median of 1.02%. This rate reflects the Young County base levy combined with local school district levies and Municipal Utility Districts that can vary by subdivision throughout the city.

Property tax rates are not uniform across Graham. Homeowners in the 76450 ZIP code carry a median effective rate of 2.05%, while the same ZIP also reflects the city’s lowest median rate at 2.05%. Understanding how local assessment boundaries affect your property can still make a difference to your annual tax bill.

Graham homeowners who believe their assessed value is too high can file a formal appeal with the 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 Graham, Young 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 Graham'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 Graham, Young County, Texas

Source: Ownwell

1.53%

2.14%

2.75%

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 Graham Tax Rate

2.05%

Median Effective Young County Tax Rate

2.07%

Median Effective Texas Tax Rate

1.48%

Median Effective United States Tax Rate

1.02%

Property Tax Rates Across Graham, Young County, Texas

Zip	10th Percentile	25th Percentile	Median Tax Rate	75th Percentile	90th Percentile
76450	0.82%	1.55%	2.05%	2.52%	3.08%

Source: Ownwell

Property Tax Assessment Values Across Graham, Young County, Texas

When examining property taxes in Graham, 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 Young 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 Young County, assessment notices are sent in the spring each year. They'll typically reach your mailbox by the middle of the month.

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 Graham.

For example, the median home price in Graham is $116,320, with tax bills ranging significantly across the county. 76450 has the highest median home price at $116,320.

Property Tax Assessment Values Across Graham, Young County, Texas

Source: Ownwell

$29,300

$72,810

$116,320

Median Graham Market Value

$116,320

Median Young County Market Value

$90,675

Median Texas Market Value

$258,851

Median United States Market Value

$235,294

Property Tax Assessment Values Across Graham, Young County, Texas

Zip	10th Percentile	25th Percentile	Median Home Price	75th Percentile	90th Percentile
76450	$20,448	$44,898	$116,320	$227,625	$390,229

Source: Ownwell

Property Tax Bills Across Graham, Young County, Texas

How are property tax bills calculated in Graham?

Property tax bills in Graham are based on the assessed value of a home, which is then multiplied by the local tax rate. The assessed value is tied to the market value of the property, so when home values rise, tax bills can increase too. Local taxing authorities use this value to determine how much each homeowner owes each year.

What factors are considered when a tax bill is set?

Several factors affect the final bill, including the home’s assessed value, the tax rates set by local jurisdictions, and any exemptions that may apply. In Graham, the median home price is $116,320, and the median property tax bill is $2,077, which is below the national median property tax bill of $2,400. Bills can vary widely, with the 25th percentile at $937 and the 75th percentile at $3,734.

How does this affect homeowners?

For homeowners, a higher assessed value can mean a larger tax bill, making property taxes an important part of annual housing costs.

Property Tax Bills Across Graham, Young County, Texas

Source: Ownwell

$412

$1,245

$2,077

Median Graham Tax Bill

$2,077

Median Young County Tax Bill

$1,707

Median Texas Tax Bill

$3,441

Median United States Tax Bill

$2,400

Property Tax Bills Across Graham, Young County, Texas

Zip	10th Percentile	25th Percentile	Median Tax Bill	75th Percentile	90th Percentile
76450	$359	$937	$2,077	$3,734	$5,827

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
Young Appraisal District
Website	esearch.youngcad.org

Frequently Asked Property Tax Questions in Graham, Texas

How are property taxes calculated in Graham, Texas?

Property taxes in Graham, 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 Graham, Texas?

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

Common property tax exemptions in Graham, 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 Graham, Texas?

Property tax deadlines in Graham, 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 Graham, Texas?

Ownwell provides professional property tax appeal services in Graham, 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.