Texas · McLennan County · Local exemptions · Updated Oct 2026

McLennan County, TX property tax exemptions (2026)

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

In McLennan County your exemptions depend on each taxing unit on your bill: of the 42 units the McLennan Central Appraisal District lists for 2026, 7 give a percentage homestead exemption, 18 non-school units add an over-65 amount, and the list does not say which non-school units have adopted a tax ceiling (freeze). McLennan County itself: 20% of the home's value off for every homestead (at least $5,000); $35,000 off for owners 65 or older; $35,000 off for disabled owners. Waco ISD: A school tax ceiling (freeze) for 65+/disabled owners, as state law requires. It has no percentage homestead exemption and no local over-65 amount beyond the state $60,000.

Apply at
McLennan Central Appraisal District
Phone
254-752-9864
Local breaks
McLennan County local option homestead exemptions, Waco ISD local option homestead exemptions, City of Waco local option homestead exemptions
Tax year
2026

Where to apply in McLennan County

McLennan Central Appraisal District

Phone
254-752-9864
Address
315 S. 26th St., Waco, TX 76710-7400
Official exemptions page

Other offices

Local exemptions in McLennan County

Seniors

McLennan County local option homestead exemptions

20% of the home's value off for every homestead (at least $5,000); $35,000 off for owners 65 or older; $35,000 off for disabled owners.

Set by
county
Tax year
2026
Who qualifies
You own the home and live in it as your principal residence (residence homestead) in McLennan County. Over-65 amount: you are 65 or older; a surviving spouse 55 or older can keep it. Disabled amount: you meet the Social Security definition of disability. You can get the over-65 or the disabled amount from a unit, not both.
How to apply
No separate application to McLennan County: file Form 50-114 once with the McLennan Central Appraisal District, checking the age 65 or disabled box if it applies, with a copy of your Texas driver's license or ID showing the home's address. The appraisal district applies every taxing unit's exemptions to your home.
Deadline
Homestead: generally by April 30 of the tax year; age 65/disabled: within one year after you qualify. Late applications are accepted up to two years after the taxes become delinquent (Tax Code §11.43, §11.431).
Renewal
One-time, unless the appraisal district asks you to reapply.

Source: official page

Senior freeze or deferral

Waco ISD local option homestead exemptions

A school tax ceiling (freeze) for 65+/disabled owners, as state law requires. It has no percentage homestead exemption and no local over-65 amount beyond the state $60,000.

Set by
school district
Tax year
2026
Who qualifies
You own the home and live in it as your principal residence (residence homestead) in Waco ISD.
How to apply
No separate application to Waco ISD: file Form 50-114 once with the McLennan Central Appraisal District, checking the age 65 or disabled box if it applies, with a copy of your Texas driver's license or ID showing the home's address. The appraisal district applies every taxing unit's exemptions to your home.
Deadline
Homestead: generally by April 30 of the tax year; age 65/disabled: within one year after you qualify. Late applications are accepted up to two years after the taxes become delinquent (Tax Code §11.43, §11.431).
Renewal
One-time, unless the appraisal district asks you to reapply.

Source: official page

Seniors

City of Waco local option homestead exemptions

15% of the home's value off for every homestead (at least $5,000); $50,000 off for owners 65 or older; $50,000 off for disabled owners.

Set by
city
Tax year
2026
Who qualifies
You own the home and live in it as your principal residence (residence homestead) in City of Waco. Over-65 amount: you are 65 or older; a surviving spouse 55 or older can keep it. Disabled amount: you meet the Social Security definition of disability. You can get the over-65 or the disabled amount from a unit, not both.
How to apply
No separate application to City of Waco: file Form 50-114 once with the McLennan Central Appraisal District, checking the age 65 or disabled box if it applies, with a copy of your Texas driver's license or ID showing the home's address. The appraisal district applies every taxing unit's exemptions to your home.
Deadline
Homestead: generally by April 30 of the tax year; age 65/disabled: within one year after you qualify. Late applications are accepted up to two years after the taxes become delinquent (Tax Code §11.43, §11.431).
Renewal
One-time, unless the appraisal district asks you to reapply.

Source: official page

Amounts by taxing unit in McLennan 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
Axtell ISDschool districtstate $60,000 only (2026)yes, required by state law for school taxes (2026)none (2026)state $60,000 only (2026)official
Bosqueville ISDschool districtstate $60,000 only (2026)yes, required by state law for school taxes (2026)none (2026)state $60,000 only (2026)official
Bruceville-Eddy ISDschool districtstate $60,000 only (2026)yes, required by state law for school taxes (2026)none (2026)state $60,000 only (2026)official
Castleman Creek Watershedspecialnone (2026)not stated (2026)none (2026)none (2026)official
China Spring ISDschool districtstate $60,000 only (2026)yes, required by state law for school taxes (2026)none (2026)state $60,000 only (2026)official
City of Bellmeadcity$7,500 (2026)not stated (2026)none (2026)$7,500 (2026)official
City of Beverly Hillscity$12,000 (2026)not stated (2026)none (2026)$12,000 (2026)official
City of Bruceville-Eddycity$10,000 (2026)not stated (2026)none (2026)$10,000 (2026)official
City of Crawfordcity$12,000 (2026)not stated (2026)none (2026)$12,000 (2026)official
City of Gholsoncity$10,000 (2026)not stated (2026)20% of home value (at least $5,000) (2026)$10,000 (2026)official
City of Golindacitynone (2026)not stated (2026)none (2026)none (2026)official
City of Hallsburgcity$3,000 (2026)not stated (2026)none (2026)$3,000 (2026)official
City of Hewittcity$4,000 (2026)not stated (2026)20% of home value (at least $5,000) (2026)$4,000 (2026)official
City of Lacy-Lakeviewcity$5,000 (2026)not stated (2026)none (2026)$5,000 (2026)official
City of Leroycity$350,000 (2026)not stated (2026)none (2026)$350,000 (2026)official
City of Lorenacitynone (2026)not stated (2026)none (2026)none (2026)official
City of Martcitynone (2026)not stated (2026)none (2026)none (2026)official
City of McGregorcity$5,000 (2026)not stated (2026)none (2026)$5,000 (2026)official
City of Moodycity$5,000 (2026)not stated (2026)none (2026)$5,000 (2026)official
City of Rieselcity$10,000 (2026)not stated (2026)10% of home value (at least $5,000) (2026)$10,000 (2026)official
City of Robinsoncity$10,000 (2026)not stated (2026)none (2026)$10,000 (2026)official
City of Wacocity$50,000 (2026)not stated (2026)15% of home value (at least $5,000) (2026)$50,000 (2026)official
City of Westcitynone (2026)not stated (2026)none (2026)none (2026)official
City of Woodwaycity$20,000 (2026)not stated (2026)none (2026)$20,000 (2026)official
Connally ISDschool districtstate $60,000 only (2026)yes, required by state law for school taxes (2026)none (2026)state $60,000 only (2026)official
Crawford ISDschool districtstate $60,000 only (2026)yes, required by state law for school taxes (2026)none (2026)state $60,000 only (2026)official
Elm Creek Watershedspecial$5,000 (2026)not stated (2026)none (2026)$5,000 (2026)official
Gholson ISDschool districtstate $60,000 only (2026)yes, required by state law for school taxes (2026)none (2026)state $60,000 only (2026)official
Hallsburg ISDschool districtstate $60,000 only (2026)yes, required by state law for school taxes (2026)none (2026)state $60,000 only (2026)official
La Vega ISDschool districtstate $60,000 only (2026)yes, required by state law for school taxes (2026)none (2026)state $60,000 only (2026)official
Lorena ISDschool districtstate $60,000 only (2026)yes, required by state law for school taxes (2026)none (2026)state $60,000 only (2026)official
Mart ISDschool districtstate $60,000 only (2026)yes, required by state law for school taxes (2026)none (2026)state $60,000 only (2026)official
McGregor ISDschool districtstate $60,000 only (2026)yes, required by state law for school taxes (2026)none (2026)state $60,000 only (2026)official
McLennan Community Collegespecial$12,000 (2026)not stated (2026)20% of home value (at least $5,000) (2026)$12,000 (2026)official
McLennan Countycounty$35,000 (2026)not stated (2026)20% of home value (at least $5,000) (2026)$35,000 (2026)official
Midway ISDschool districtstate $60,000 only (2026)yes, required by state law for school taxes (2026)none (2026)state $60,000 only (2026)official
Moody ISDschool districtstate $60,000 only (2026)yes, required by state law for school taxes (2026)none (2026)state $60,000 only (2026)official
Riesel ISDschool districtstate $60,000 only (2026)yes, required by state law for school taxes (2026)10% of home value (at least $5,000), on top of the state $140,000 (2026)state $60,000 only (2026)official
Robinson ISDschool districtstate $60,000 only (2026)yes, required by state law for school taxes (2026)none (2026)state $60,000 only (2026)official
Tehuacana Creek W/C #1specialnone (2026)not stated (2026)none (2026)none (2026)official
Waco ISDschool districtstate $60,000 only (2026)yes, required by state law for school taxes (2026)none (2026)state $60,000 only (2026)official
West ISDschool districtstate $60,000 only (2026)yes, required by state law for school taxes (2026)none (2026)state $60,000 only (2026)official

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 McLennan 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.

McLennan County median effective rate: 1.36% (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 McLennan 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 McLennan 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 McLennan 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 McLennan County

What property tax exemptions are there in McLennan County?

In McLennan County your exemptions depend on each taxing unit on your bill: of the 42 units the McLennan Central Appraisal District lists for 2026, 7 give a percentage homestead exemption, 18 non-school units add an over-65 amount, and the list does not say which non-school units have adopted a tax ceiling (freeze). McLennan County itself: 20% of the home's value off for every homestead (at least $5,000); $35,000 off for owners 65 or older; $35,000 off for disabled owners. Waco ISD: A school tax ceiling (freeze) for 65+/disabled owners, as state law requires. It has no percentage homestead exemption and no local over-65 amount beyond the state $60,000. Local breaks here: McLennan County local option homestead exemptions; Waco ISD local option homestead exemptions; City of Waco local option homestead exemptions.

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

McLennan Central Appraisal District Phone: 254-752-9864 Address: 315 S. 26th St., Waco, TX 76710-7400. Also: McLennan County Tax Assessor-Collector, which collects the property tax bill. Also: Texas Comptroller, Property Tax Assistance Division, which state agency: statewide exemption rules and forms.

When is the deadline to apply in McLennan County?

McLennan County local option homestead exemptions: Homestead: generally by April 30 of the tax year; age 65/disabled: within one year after you qualify. Late applications are accepted up to two years after the taxes become delinquent (Tax Code §11.43, §11.431). Waco ISD local option homestead exemptions: Homestead: generally by April 30 of the tax year; age 65/disabled: within one year after you qualify. Late applications are accepted up to two years after the taxes become delinquent (Tax Code §11.43, §11.431). City of Waco local option homestead exemptions: Homestead: generally by April 30 of the tax year; age 65/disabled: within one year after you qualify. Late applications are accepted up to two years after the taxes become delinquent (Tax Code §11.43, §11.431).

Do I have to reapply every year in McLennan County?

McLennan County local option homestead exemptions: One-time, unless the appraisal district asks you to reapply. Waco ISD local option homestead exemptions: One-time, unless the appraisal district asks you to reapply. City of Waco local option homestead exemptions: One-time, unless the appraisal district asks you to reapply.

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

Good to know in McLennan County

  • Statewide, every school district must exempt $140,000 of a homestead's value and another $60,000 for owners 65+ or disabled, and freeze school taxes for them; the amounts in the table are what each local unit adds (Texas Tax Code §11.13, §11.26).
  • In McLennan County the over-65/disabled amounts for the county, the college and several cities are on top of their percentage homestead exemption (e.g. McLennan County: 20% plus $35,000), per the CAD's 2026 tax rate sheet.

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

Sources

Last checked: Oct 2026.