Collin County Property Tax Rate: 2025 Rates by Taxing Entity
Collin County has no hospital district -- a rarity among Texas's largest counties -- which is a key reason its property tax rates are noticeably lower than neighbors like Dallas County. Despite median home values exceeding $500,000, the typical Plano homeowner faces a combined rate of approximately 1.71% of taxable value, or $1.71 per $100, spread across Plano ISD, the City of Plano, Collin County, and Collin College.
A Collin County homeowner with a home valued at $500,000 -- roughly the county median -- pays approximately $8,539 per year in total property taxes before exemptions.
Collin County Property Tax Rates by Taxing Entity (Tax Year 2025)
Your Collin County property tax bill is the sum of taxes levied by every taxing entity that covers your property. Here are the current adopted rates for the major entities serving a typical City of Plano homeowner:
| Taxing Entity | Rate per $100 | Est. Tax on $500,000 Home | Share of Bill |
|---|---|---|---|
| Plano ISD | $1.03955 | $5,198 | 61% |
| City of Plano | $0.4376 | $2,188 | 26% |
| Collin County | $0.149343 | $747 | 9% |
| Collin College | $0.08122 | $406 | 5% |
| Total (Typical) | ~$1.71 | ~$8,539 | 100% |
Important: Your exact rate depends on where you live in Collin County. Properties in Municipal Utility Districts (MUDs) or Water Control and Improvement Districts pay additional taxes that can add $0.85 to $1.20 per $100 on top of the standard entities. Properties in different cities or school districts will also have different combined rates.
Note on hospital district: Unlike Dallas County (Parkland Hospital) or Harris County (Harris Health), Collin County does not have a county-wide hospital district. This is one reason Collin County's total rate is noticeably lower than most major Texas metros.
Plano ISD: The Largest Share
Plano ISD accounts for roughly 61% of a typical Plano homeowner's property tax bill. The tax year 2025 rate of $1.03955 per $100 reflects a small decrease from the prior year's $1.04245. The rate breaks down as:
- Maintenance & Operations (M&O): $0.80230 per $100
- Interest & Sinking (Debt Service): $0.23735 per $100
Plano ISD's taxable value grew from $78.15 billion to $80.34 billion in 2025, and the district carries $1.38 billion in outstanding bonded indebtedness.
Other Major School Districts in Collin County
Collin County includes several school districts with varying tax rates:
| School District | 2025 Rate per $100 | Notes |
|---|---|---|
| McKinney ISD | $1.1043 | 2-cent decrease; average single-family bill down over $500 |
| Frisco ISD | $1.0194 | Lowered rate; voters rejected $1.08B bond + VATRE in Nov 2024 |
| Allen ISD | $1.1258 | Rate unchanged from prior year |
| Prosper ISD | $1.2141 | At the $0.50 I&S cap; rate decreased from $1.2552 |
| Lovejoy ISD | $1.2552 | At the $0.50 I&S cap; 20-year low; $276M bond approved May 2025 |
Homeowners in these districts pay a higher school tax rate than those in Plano ISD, which raises their total effective rate above 1.71%.
How Collin County Compares to Other Texas Counties
Collin County's total property tax rate is notably lower than most major Texas metros, largely due to the absence of a hospital district:
| County / City | Approximate Total Rate | Median Home Value |
|---|---|---|
| Collin County (Plano) | ~1.71% | $500,000 |
| Williamson County (Round Rock) | ~1.68% | $420,000 |
| Fort Bend County (Sugar Land) | ~1.84% | $380,000 |
| Dallas County (Dallas) | ~2.22% | $350,000 |
| Harris County (Houston) | ~2.03% | $320,000 |
While Collin County's rate is among the lowest of major Texas metros, its high home values mean the total dollar amount paid is substantial. A Plano homeowner pays roughly the same in absolute dollars as a Dallas homeowner despite a much lower rate.
How Collin County Property Tax Rates Have Changed
Collin County has maintained a remarkably stable tax rate, but rising property values have steadily increased the actual dollar amount homeowners pay:
| Year | Key Changes |
|---|---|
| 2022 | Residential property values surged 31%, driving significant bill increases despite rate cuts |
| 2023 | Collin County rate dropped to $0.149343, where it has held since; state homestead exemption increased to $100,000 |
| 2024 | Frisco ISD voters rejected $1.08B bond and VATRE (all 4 propositions failed) |
| 2025 | City of Plano raised rate for first time in 16 years; Plano voters approved $647.9M in bonds (largest in city history); homestead exemption rises to $140,000 |
Collin County government itself has not increased its tax rate in 33 consecutive years -- the longest streak of any major Texas county. However, the average homestead tax bill paid to the county alone has risen from $612 in 2020 to over $800 in 2025 due to property value growth.
How Your Collin County Property Tax Bill Is Calculated
The math is straightforward: subtract your exemptions from your appraised value, then apply each entity's tax rate to the result. Here's the breakdown for a Plano homeowner with a $500,000 home and the $140,000 homestead exemption:
| Component | Amount |
|---|---|
| Appraised value | $500,000 |
| Less: School homestead exemption (SB 4 / Prop 13) | -$140,000 |
| Taxable value (school) | $360,000 |
| Plano ISD tax ($360,000 x 1.03955%) | $3,742 |
| City of Plano ($500,000 x 0.4376%) | $2,188 |
| Collin County ($500,000 x 0.149343%) | $747 |
| Collin College ($500,000 x 0.08122%) | $406 |
| Total estimated bill | $7,083 |
One thing to note: The $140,000 school homestead exemption takes effect in 2026 under SB 4 (Proposition 13). The City of Plano, Collin County, and Collin College each offer additional exemptions that reduce your taxable value for their respective levies. Your actual bill depends on which entities cover your property and what exemptions you've filed. Learn more about how appraised value, assessed value, and taxable value work.
Why Your Collin County Property Tax Bill May Be Higher Than Expected
Even if tax rates stay flat or decrease, your bill can increase for several reasons:
Rising Appraisals
The Collin Central Appraisal District (CCAD) revalues all properties annually. The average appraised home value in Collin County reached $603,190 in 2025. Residential values surged 31% in 2022 alone, and while growth has moderated to around 5% per year since then, the compounding effect continues to push bills higher even as rates decline.
Voter-Approved Bonds
Plano voters approved $647.9 million in bonds in May 2025 -- the largest bond package in the city's history -- including $316.5 million for streets and $155.2 million for a new police headquarters. While the bonds were structured to minimize the rate impact, the city has indicated they could add approximately 3.2 cents per $100 over the coming years, translating to roughly $225 per year for the average home by 2029.
Collin County voters also approved $683.4 million in bonds in November 2023 for roads, courts, detention facilities, and parks.
MUD and Special District Taxes
If your property is in a Municipal Utility District, Water Control and Improvement District, or other special district, you pay additional taxes that do not appear in the base rates above. MUD rates in Collin County can add $0.85 to $1.20 per $100 on top of the standard entities, particularly in newer developments.
How to Lower Your Collin County Property Taxes
Collin County's low rate doesn't mean there's nothing to save. With median home values above $500,000, even small percentage reductions translate to hundreds of dollars.
1. File for Homestead Exemption
Apply for your homestead exemption if you haven't already. Beginning in 2026, the school district exemption rises to $140,000 under SB 4 (Proposition 13), saving a typical Plano ISD homeowner roughly $1,456 per year in school taxes alone. The City of Plano, Collin County, and Collin College each offer additional exemptions.
The filing deadline is April 30, and you can file up to two years late to claim retroactive savings.
2. Protest Your CCAD Appraised Value
With the average appraised home value in Collin County reaching $603,190, even a modest percentage reduction in your CCAD valuation can save hundreds annually. Protesting your Collin County property tax appraisal lets you present comparable sales, condition issues, or other evidence that your property is overvalued. Review your Notice of Appraised Value from CCAD when it arrives in April or May and file before the deadline.
Get Help With Your Collin County Property Tax Protest
With home values averaging over $600,000 and Plano approving its largest-ever bond package, ensuring your CCAD appraisal is accurate has never been more important.
Ballard Property Tax Protest represents homeowners across Collin County. We handle the entire protest process -- from filing to informal hearings to ARB representation -- and you only pay if we reduce your appraised value.
No reduction, no fee.