Falling behind on property taxes is stressful, but there are usually more options than people realize — especially if you act early.
Quick takeaways
- Texas taxes become delinquent after January 31 — penalties add up fast.
- Ask the county about payment plans; 65+, disabled and veterans may defer.
- File for every exemption you qualify for.
- Selling before a tax sale lets you keep your remaining equity.
Watch: animated overview
1How tax delinquency works
Unpaid Texas property taxes become delinquent after January 31. Penalties and interest add up quickly, and taxing units may eventually file a lawsuit and sell the property at a sheriff's tax sale.
2Payment plans
Most county tax offices offer installment agreements. Homeowners who are 65+, disabled, or disabled veterans may qualify for deferrals or special payment plans.
3Exemptions
Make sure you've filed for every exemption you qualify for — homestead, over-65, disability, and veteran exemptions can significantly lower the bill going forward.
4Right of redemption
Even after a tax sale, Texas owners of homesteads and agricultural land generally have a 2-year redemption period (180 days for other property) to buy the property back by paying the purchase price plus a premium.
5Selling before the sale
If keeping the property isn't realistic, selling before the tax sale lets you pay off the taxes from the proceeds and keep any remaining equity.
This information is general and educational only — not legal, tax, or financial advice. Please consult a qualified attorney or professional about your specific situation.