Texas · Bell County · Local exemptions · Updated Oct 2026

Bell County, TX property tax exemptions (2026)

The property tax breaks that are set or run locally in Bell County, on top of Texas’s statewide rules: what each is worth here, who qualifies, where to apply and the deadline.

What is different in Bell County

Bell County itself grants $16,670 off for age 65+, $10,000 off for disabled homeowners and a tax ceiling (freeze) for 65+/disabled (2026). Killeen ISD, the largest school district, gives only the state school exemptions ($140,000; +$60,000 for 65+/disabled). 4 of the 37 taxing units listed offer a local homestead exemption; details for every unit are in the table.

Apply at
Tax Appraisal District of Bell County
Phone
254-939-5841
Local breaks
Local age 65 or older exemption (Bell County), Local disabled person exemption (Bell County), County tax ceiling (freeze) for 65+ or disabled (Bell County)
Tax year
2026

Where to apply in Bell County

Tax Appraisal District of Bell County

Phone
254-939-5841
Address
411 E. Central Ave., Belton, TX 76513-3241
Official exemptions page

Other offices

Local exemptions in Bell County

Seniors

Local age 65 or older exemption (Bell County)

$16,670 off the home's value for Bell County taxes

Set by
county
Tax year
2026
Who qualifies
Homeowner age 65 or older (a surviving spouse 55 or older may keep it)
How to apply
File Form 50-114 with the county appraisal district (no fee); one application covers every taxing unit that taxes your home. Attach a copy of your Texas driver's license or ID showing the home's address.
Deadline
No later than one year after you turn 65 or become disabled (Tax Code §11.43(k)); late applications up to two years after the delinquency date (§11.431).
Renewal
One-time; you do not reapply each year unless the appraisal district asks you to.

Source: official page

Disability

Local disabled person exemption (Bell County)

$10,000 off the home's value for Bell County taxes

Set by
county
Tax year
2026
Who qualifies
Homeowner who meets the Social Security disability definition (you cannot take both the 65+ and disabled exemption from the same unit)
How to apply
File Form 50-114 with the county appraisal district (no fee); one application covers every taxing unit that taxes your home. Attach a copy of your Texas driver's license or ID showing the home's address.
Deadline
No later than one year after you turn 65 or become disabled (Tax Code §11.43(k)); late applications up to two years after the delinquency date (§11.431).
Renewal
One-time; you do not reapply each year unless the appraisal district asks you to.

Source: official page

Senior freeze or deferral

County tax ceiling (freeze) for 65+ or disabled (Bell County)

County taxes on the home are capped at the amount in the year you first qualify (rises only for new improvements)

Set by
county
Tax year
2026
Who qualifies
Homeowners with the age 65 or older or disabled exemption
How to apply
Automatic once the appraisal district grants your age 65 or disabled exemption.
Deadline
No later than one year after you turn 65 or become disabled (Tax Code §11.43(k)); late applications up to two years after the delinquency date (§11.431).
Renewal
One-time; you do not reapply each year unless the appraisal district asks you to.

Source: official page

Amounts by taxing unit in Bell County

Each school district, city or other taxing unit can set its own amount. Find the ones on your tax bill.

Sort:
Taxing unitTypeDisabilityFreezeHomestead pctOver65Source
Academy ISDschool districtno local amount (state $60,000 applies)yes (required by state law for school districts)none$6,000 local (on top of the state $60,000)official
Bartlett ISDschool districtno local amount (state $60,000 applies)yes (required by state law for school districts)noneno local amount (state $60,000 applies)official
Bell Countycounty$10,000yesnone$16,670official
Bell County ESD #1specialnonenononenoneofficial
Bell County MUD #1specialnonenononenoneofficial
Bell County MUD #2specialnonenononenoneofficial
Bell County Road Districtcounty$10,000yesnone$16,670official
Bell County WCID #3specialnonenononenoneofficial
Bell County WCID #6specialnonenonone$4,000official
Belton ISDschool districtno local amount (state $60,000 applies)yes (required by state law for school districts)noneno local amount (state $60,000 applies)official
Central Texas Collegespecialtax ceiling onlyyesnone$15,000official
City of Bartlettcitynonenononenoneofficial
City of Beltoncity$10,000nonone$10,000official
City of Harker Heightscitynonenonone$10,000official
City of Hollandcitynonenononenoneofficial
City of Killeencitytax ceiling onlyyesnone$20,000official
City of Little River-Academycity$5,000yes5% (min. $5,000)$5,000official
City of Morgan's Point Resortcitynonenononenoneofficial
City of Nolanvillecitytax ceiling onlyyesnone$3,000official
City of Rogerscity$5,000nonone$5,000official
City of Templecity$10,000yes20% (min. $5,000)$10,000official
City of Troycitytax ceiling onlyyesnonetax ceiling onlyofficial
Clearwater Underground Water Conservation Districtspecialnonenonone$5,000official
Donahoe Creek Watershed Authorityspecialnonenonone$3,000official
Elm Creek Watershed Authorityspecialnonenonone$5,000official
Florence ISDschool districtno local amount (state $60,000 applies)yes (required by state law for school districts)noneno local amount (state $60,000 applies)official
Holland ISDschool districtno local amount (state $60,000 applies)yes (required by state law for school districts)noneno local amount (state $60,000 applies)official
Killeen ISDschool districtno local amount (state $60,000 applies)yes (required by state law for school districts)noneno local amount (state $60,000 applies)official
River Farm MUD No. 1specialnonenononenoneofficial
Rogers ISDschool districtno local amount (state $60,000 applies)yes (required by state law for school districts)noneno local amount (state $60,000 applies)official
Salado ISDschool districtno local amount (state $60,000 applies)yes (required by state law for school districts)none$3,330 local (on top of the state $60,000)official
Temple Collegespecialtax ceiling onlyyes20% (min. $5,000)$10,000official
Temple Health & Bioscience Districtspecial$5,000nonone$5,000official
Temple ISDschool district$5,000 local (on top of the state $60,000)yes (required by state law for school districts)none$5,000 local (on top of the state $60,000)official
Troy ISDschool districtno local amount (state $60,000 applies)yes (required by state law for school districts)none$6,670 local (on top of the state $60,000)official
Two Chimneys MUDspecialnonenononenoneofficial
Village of Saladocity$50,000yes20% (min. $5,000)$50,000official

State exemptions that also apply here

These breaks come from Texas law. Their full rules, forms and deadlines are on the Texas page.

All Texas property tax exemptions

By group in Texas: Seniors · Veterans · Disability · Surviving spouses

Savings estimate for Bell County

Roughly what an exemption could save you a year: the value it takes off, times your tax rate.

Filled in when the exemption is a fixed dollar amount. You can change it.

Bell County median effective rate: 1.21% (taxes paid as a share of home value). Use your own rate if you know it.

Enter a value and a tax rateChoose an exemption or type the value it takes off.

Median effective rate in Bell County: U.S. Census Bureau, American Community Survey, 2020–2024 5-year estimates, county figures as published by Tax Foundation. It is a county-wide middle value; rates differ by town and school district.

An estimate, not a bill. Nothing you type here is sent anywhere.

Eligibility finder for Bell County

Answer a few questions to see which property tax breaks may fit you. Nothing you type here is sent anywhere.

Leave empty if you'd rather not say.

Everyone in the home, before taxes. Optional: used only to compare with income limits.

Do you own and live in the home?Answer the first question to see results.

A first check, not a decision: only your county, city or town assessor decides. We read ages, ratings and income limits only where the official rule states them plainly; otherwise we show the rule for you to check.

Document checklist for Bell County

Pick the breaks you plan to apply for. You get a checklist of forms, documents, steps and deadlines to print or keep on your phone.

The checklist asks for no personal details and nothing is sent to our server: the files are made on your device.

Exemptions to include

Questions about property tax exemptions in Bell County

What property tax exemptions are there in Bell County?

Bell County itself grants $16,670 off for age 65+, $10,000 off for disabled homeowners and a tax ceiling (freeze) for 65+/disabled (2026). Killeen ISD, the largest school district, gives only the state school exemptions ($140,000; +$60,000 for 65+/disabled). 4 of the 37 taxing units listed offer a local homestead exemption; details for every unit are in the table. Local breaks here: Local age 65 or older exemption (Bell County); Local disabled person exemption (Bell County); County tax ceiling (freeze) for 65+ or disabled (Bell County).

Where do I apply for a property tax exemption in Bell County?

Tax Appraisal District of Bell County Phone: 254-939-5841 Address: 411 E. Central Ave., Belton, TX 76513-3241. Also: Texas Comptroller, Property Tax Assistance Division, which state rules and forms.

When is the deadline to apply in Bell County?

Local age 65 or older exemption (Bell County): No later than one year after you turn 65 or become disabled (Tax Code §11.43(k)); late applications up to two years after the delinquency date (§11.431). Local disabled person exemption (Bell County): No later than one year after you turn 65 or become disabled (Tax Code §11.43(k)); late applications up to two years after the delinquency date (§11.431). County tax ceiling (freeze) for 65+ or disabled (Bell County): No later than one year after you turn 65 or become disabled (Tax Code §11.43(k)); late applications up to two years after the delinquency date (§11.431).

Do I have to reapply every year in Bell County?

Local age 65 or older exemption (Bell County): One-time; you do not reapply each year unless the appraisal district asks you to. Local disabled person exemption (Bell County): One-time; you do not reapply each year unless the appraisal district asks you to. County tax ceiling (freeze) for 65+ or disabled (Bell County): One-time; you do not reapply each year unless the appraisal district asks you to.

Do Texas’s statewide exemptions apply in Bell County too?

Yes. The statewide breaks on our Texas page apply here as well, for example General Residence Homestead Exemption, Age 65 or Older or Disabled Residence Homestead Exemption and School Tax Ceiling (tax freeze) for Age 65 or Older or Disabled. This page adds what Bell County sets or runs itself.

Good to know in Bell County

  • Several Bell County units (Killeen, Nolanville, Troy, Central Texas College, Temple College) give disabled homeowners a tax ceiling only ('FRZ/ONLY'), with no dollar exemption.
  • Bell County and its Road District grant $16,670 off for 65+ and $10,000 off for disabled homeowners, plus a tax ceiling.

Think your assessed value is too high? See how to appeal in Bell County.

Sources

Last checked: Oct 2026.