Texas · Grayson County · Local exemptions · Updated Oct 2026

Grayson County, TX property tax exemptions (2026)

The property tax breaks that are set or run locally in Grayson 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 Grayson County

Grayson County itself grants a 20% (min. $5,000) homestead exemption, $12,000 off for age 65+ and a tax ceiling (freeze) for 65+/disabled (2025). Sherman ISD, the largest school district, adds a local $5,000 age 65+ exemption on top of the state school exemptions. 2 of the 34 taxing units listed offer a local homestead exemption; details for every unit are in the table.

Apply at
Grayson Appraisal District
Phone
903-893-9673
Local breaks
Local option homestead exemption (Grayson County), Local age 65 or older exemption (Grayson County), County tax ceiling (freeze) for 65+ or disabled (Grayson County), Local options of Sherman ISD (largest school district)
Tax year
2025

Where to apply in Grayson County

Grayson Appraisal District

Phone
903-893-9673
Address
512 N. Travis St., Sherman, TX 75090
Official exemptions page

Other offices

Local exemptions in Grayson County

Homestead

Local option homestead exemption (Grayson County)

20% (min. $5,000) of the home's appraised value off Grayson County taxes

Set by
county
Tax year
2025
Who qualifies
Owner-occupied residence homestead (any age)
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
Generally by April 30 of the tax year (Tax Code §11.43(d)); a late application can be filed up to two years after that year's taxes become delinquent (§11.431).
Renewal
One-time; you do not reapply each year unless the appraisal district asks you to.

Source: official page

Seniors

Local age 65 or older exemption (Grayson County)

$12,000 off the home's value for Grayson County taxes

Set by
county
Tax year
2025
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

Senior freeze or deferral

County tax ceiling (freeze) for 65+ or disabled (Grayson 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
2025
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

Other

Local options of Sherman ISD (largest school district)

Sherman ISD adds a $5,000 local age 65+ exemption on top of the state school exemptions ($140,000 homestead; +$60,000 for 65+/disabled)

Set by
school district
Tax year
2025
Who qualifies
Homeowners in Sherman ISD; age/disability rules as for the state exemption
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
Generally by April 30 of the tax year (Tax Code §11.43(d)); a late application can be filed up to two years after that year's taxes become delinquent (§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 Grayson 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
Bells ISDschool district$60,000 state exemption onlyyes (required by state law for school districts)none$60,000 state exemption onlyofficial
Choctaw Watershedspecialnonenonone$12,000official
City of Bellscitynoneyes (since 2009)nonenoneofficial
City of Collinsvillecitynoneyes (since 2005)nonenoneofficial
City of Denisoncity$15,000yes (since 2009)none$15,000official
City of Guntercitynoneyes (since 2006)nonenoneofficial
City of Howecitynoneyes (since 2005)none$12,000official
City of Knollwoodcity$5,000yes (since 2011)none$5,000official
City of Pottsborocitynoneyes (since 2007)$15,000 flatnoneofficial
City of Shermancitynoneyes (since 2006)none$30,000official
City of Southmaydcity$15,000yes (since 2006)none$15,000official
City of Tiogacitynoneyes (since 2007)nonenoneofficial
City of Tom Beancitynoneyes (since 2022)none$3,000official
City of Van Alstynecitynoneyes (since 2005)none$5,000official
City of Whitesborocitynoneyes (since 2005)none$5,000official
City of Whitewrightcitynoneyes (since 2005)nonenoneofficial
Collinsville ISDschool district$60,000 state exemption onlyyes (required by state law for school districts)none$60,000 state exemption onlyofficial
Denison ISDschool district$60,000 state exemption onlyyes (required by state law for school districts)none$65,000 total (state $60,000 + local $5,000)official
Grayson Collegespecialnoneyes (since 2005)none$15,000official
Grayson Countycountynoneyes (since 2005)20% (min. $5,000)$12,000official
Gunter ISDschool district$60,000 state exemption onlyyes (required by state law for school districts)none$60,000 state exemption onlyofficial
Howe ISDschool district$60,000 state exemption onlyyes (required by state law for school districts)none$60,000 state exemption onlyofficial
MUD Van Alstyne #1special$10,000nonone$10,000official
Other MUDs (Grayson Co #8, #9, #3A, Heritage Ranch #1, Lake Texoma #1, Sunset Ranch, Noble Ridge, Gunter Crossing)specialnonenononenoneofficial
Pilot Point ISDschool district$60,000 state exemption onlyyes (required by state law for school districts)none$66,000 total (state $60,000 + local $6,000)official
Pottsboro ISDschool district$60,000 state exemption onlyyes (required by state law for school districts)none$60,000 state exemption onlyofficial
S & S CISDschool district$60,000 state exemption onlyyes (required by state law for school districts)none$60,000 state exemption onlyofficial
Sherman ISDschool district$60,000 state exemption onlyyes (required by state law for school districts)none$65,000 total (state $60,000 + local $5,000)official
Tioga ISDschool district$60,000 state exemption onlyyes (required by state law for school districts)none$60,000 state exemption onlyofficial
Tom Bean ISDschool district$60,000 state exemption onlyyes (required by state law for school districts)none$60,000 state exemption onlyofficial
Trenton ISDschool district$60,000 state exemption onlyyes (required by state law for school districts)none$60,000 state exemption onlyofficial
Van Alstyne ISDschool district$60,000 state exemption onlyyes (required by state law for school districts)none$60,000 state exemption onlyofficial
Whitesboro ISDschool district$60,000 state exemption onlyyes (required by state law for school districts)none$64,600 total (state $60,000 + local $4,600)official
Whitewright ISDschool district$60,000 state exemption onlyyes (required by state law for school districts)none$60,000 state exemption onlyofficial

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 Grayson 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.

Grayson County median effective rate: 1.23% (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 Grayson 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 Grayson 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 Grayson 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 Grayson County

What property tax exemptions are there in Grayson County?

Grayson County itself grants a 20% (min. $5,000) homestead exemption, $12,000 off for age 65+ and a tax ceiling (freeze) for 65+/disabled (2025). Sherman ISD, the largest school district, adds a local $5,000 age 65+ exemption on top of the state school exemptions. 2 of the 34 taxing units listed offer a local homestead exemption; details for every unit are in the table. Local breaks here: Local option homestead exemption (Grayson County); Local age 65 or older exemption (Grayson County); County tax ceiling (freeze) for 65+ or disabled (Grayson County); Local options of Sherman ISD (largest school district).

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

Grayson Appraisal District Phone: 903-893-9673 Address: 512 N. Travis St., Sherman, TX 75090. Also: Grayson County Tax Assessor-Collector, which sends and collects the property tax bill. Also: Texas Comptroller, Property Tax Assistance Division, which state rules and forms.

When is the deadline to apply in Grayson County?

Local option homestead exemption (Grayson County): Generally by April 30 of the tax year (Tax Code §11.43(d)); a late application can be filed up to two years after that year's taxes become delinquent (§11.431). Local age 65 or older exemption (Grayson 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 (Grayson 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 options of Sherman ISD (largest school district): Generally by April 30 of the tax year (Tax Code §11.43(d)); a late application can be filed up to two years after that year's taxes become delinquent (§11.431).

Do I have to reapply every year in Grayson County?

Local option homestead exemption (Grayson County): One-time; you do not reapply each year unless the appraisal district asks you to. Local age 65 or older exemption (Grayson County): One-time; you do not reapply each year unless the appraisal district asks you to. County tax ceiling (freeze) for 65+ or disabled (Grayson County): One-time; you do not reapply each year unless the appraisal district asks you to. Local options of Sherman ISD (largest school district): One-time; you do not reapply each year unless the appraisal district asks you to.

Do Texas’s statewide exemptions apply in Grayson 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 Grayson County sets or runs itself.

Good to know in Grayson County

  • Grayson County gives a 20% homestead exemption (at least $5,000) and $12,000 off for 65+ homeowners, with a tax ceiling (freeze) for 65+ and disabled homeowners since 2005.
  • Most Grayson County cities have adopted the tax ceiling (freeze); Sherman gives $30,000 for 65+, Denison and Southmayd $15,000 for 65+ and disabled homeowners.

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

Sources

Last checked: Oct 2026.