Montgomery County Property Tax Rate: 2025 Rates by Taxing Entity
With over 150 Municipal Utility Districts, Montgomery County has one of the most layered tax landscapes in Texas. Your total rate depends heavily on whether your home sits in a mature MUD, a newer master-planned community, or The Woodlands -- where MUD rates average just $0.07 to $0.17. For a typical Conroe homeowner outside a MUD, the combined rate is approximately 1.91% of taxable value, or $1.91 per $100, spread across Conroe ISD, the City of Conroe, Montgomery County, Lone Star College, and the Hospital District.
A Montgomery County homeowner with a home valued at $335,000 -- the county average -- pays approximately $6,397 per year in total property taxes before exemptions.
Montgomery County Property Tax Rates by Taxing Entity (Tax Year 2025)
Your Montgomery 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 Conroe homeowner:
| Taxing Entity | Rate per $100 | Est. Tax on $335,000 Home | Share of Bill |
|---|---|---|---|
| Conroe ISD | $0.9496 | $3,181 | 50% |
| City of Conroe | $0.4272 | $1,431 | 22% |
| Montgomery County | $0.3770 | $1,263 | 20% |
| Lone Star College | $0.1060 | $355 | 6% |
| MC Hospital District | $0.0497 | $167 | 3% |
| Total (Typical) | ~$1.91 | ~$6,397 | 100% |
Important: Your exact rate depends on where you live in Montgomery County. Properties in Municipal Utility Districts (MUDs) pay additional taxes -- and Montgomery County has over 150 MUDs. In newer master-planned communities, MUD rates can add $0.50 to $1.00+ per $100. In The Woodlands, MUD rates are considerably lower, averaging just $0.07 to $0.17 per $100.
Conroe ISD: The Largest Share
Conroe ISD accounts for roughly 50% of a typical Conroe homeowner's property tax bill. The tax year 2025 rate of $0.9496 per $100 is unchanged from the prior year. The state-mandated Maximum Compressed Rate (MCR) for Conroe ISD is $0.6196 per $100.
Conroe ISD is the largest school district in Montgomery County, operating on a $761 million balanced budget for FY 2025-26.
Other Major School Districts in Montgomery County
Montgomery County includes several school districts with varying rates:
| School District | 2025 Rate per $100 | Notes |
|---|---|---|
| Magnolia ISD | $0.9583 | Slight decrease; VATRE rejected by voters Nov 2024 (60% against) |
| Willis ISD | $1.0349 | Unchanged; $97.18M balanced budget |
| Montgomery ISD | $1.0912 | Unchanged; VATRE narrowly approved Nov 2024 (50.5% in favor) |
| New Caney ISD | $1.2552 | Unchanged; $234.5M budget (+8.5%); I&S at $0.50 legal cap |
Homeowners in Montgomery ISD or New Caney ISD pay considerably more in school taxes than those in Conroe ISD. A homeowner in New Caney ISD territory pays roughly $1,025 more per year in school taxes on the same home value.
The Woodlands: A Different Tax Profile
Homeowners in The Woodlands have a distinct tax structure. The Woodlands Township levies just $0.1714 per $100 -- far less than Conroe's city rate of $0.4272. Combined with The Woodlands' low MUD rates (averaging $0.07 to $0.17), a Woodlands homeowner in Conroe ISD territory pays a total rate of approximately 1.72% per $100, significantly less than a City of Conroe homeowner.
How Montgomery County Compares to Other Texas Counties
Montgomery County's total property tax rate falls below most major Texas metros:
| County / City | Approximate Total Rate | Median Home Value |
|---|---|---|
| Collin County (Plano) | ~1.71% | $500,000 |
| Fort Bend County (Sugar Land) | ~1.84% | $380,000 |
| Montgomery County (Conroe) | ~1.91% | $335,000 |
| Harris County (Houston) | ~2.03% | $320,000 |
| Dallas County (Dallas) | ~2.22% | $350,000 |
Montgomery County's rate is lower than neighboring Harris County and well below Dallas County. However, Montgomery County homeowners in The Woodlands and other unincorporated areas can see rates as low as 1.39%, while those in newer MUD-heavy developments may pay rates exceeding 2.5% once all special district taxes are included.
How Montgomery County Property Tax Rates Have Changed
Montgomery County has seen significant rate reductions over the past several years, driven by rapid property value growth:
| Year | Key Changes |
|---|---|
| 2022 | County rate at $0.4083; property values rising sharply |
| 2023 | County rate dropped 3 cents to $0.3764 -- a historic cut; state homestead exemption increased to $100,000; commercial values surged 15% |
| 2024 | County rate decreased to $0.3696; Montgomery ISD VATRE narrowly approved (50.5%); Magnolia ISD VATRE rejected |
| 2025 | County rate adjusted to $0.3770; MCHD continues 23rd consecutive year of rate decreases; Splendora ISD $150M bond approved; homestead exemption rises to $140,000 |
Montgomery County's rate has dropped 21% since 2019 (from $0.4767 to $0.3770), but actual tax bills have risen as property values climbed from an average of $241,696 in 2020 to over $416,000 in 2024.
How Your Montgomery County Property Tax Bill Is Calculated
Your property tax bill equals each entity's rate multiplied by your taxable value -- which is your appraised value minus applicable exemptions. Here's a worked example for a Conroe homeowner with a $335,000 home and the $140,000 homestead exemption:
| Component | Amount |
|---|---|
| Appraised value | $335,000 |
| Less: School homestead exemption (SB 4 / Prop 13) | -$140,000 |
| Taxable value (school) | $195,000 |
| Conroe ISD tax ($195,000 x 0.9496%) | $1,852 |
| City of Conroe ($335,000 x 0.4272%) | $1,431 |
| Montgomery County ($335,000 x 0.377%) | $1,263 |
| Lone Star College ($335,000 x 0.106%) | $355 |
| MC Hospital District ($335,000 x 0.0497%) | $167 |
| Total estimated bill | $5,068 |
Keep in mind: The $140,000 school homestead exemption begins in 2026 under SB 4 (Proposition 13) and only reduces the ISD portion of your bill. The City of Conroe, Montgomery County, and the hospital district each offer their own exemptions as well. If your property is in a MUD, the MUD tax is calculated on your full appraised value with no homestead exemption. Learn more about how appraised value, assessed value, and taxable value work.
Why Your Montgomery 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 Montgomery Central Appraisal District revalues all properties annually. In 2024, commercial property values across the county increased 15%, with apartment buildings surging 29%. While residential growth has been more moderate, the compounding effect of year-over-year increases drives bills higher even as rates decline. One analysis found that 55% of Montgomery County homes were assessed above market value -- a strong reason to consider protesting.
Municipal Utility Districts (MUDs)
Montgomery County has over 150 MUDs. In newer master-planned communities like Woodforest, MUD rates can reach $0.83 per $100 or higher. Even in established communities, MUD rates of $0.20 to $0.40 per $100 are common. The Woodlands is the exception -- its mature MUDs average just $0.07 to $0.17 per $100, and nine of ten residential MUDs lowered their rates in 2025.
School District Bond Debt
Several Montgomery County school districts carry significant bond debt that supports their I&S tax rates. New Caney ISD's I&S rate is at the $0.50 legal maximum, reflecting a $695 million bond package approved in 2023. Splendora ISD voters approved a $150 million bond in May 2025 for a new junior high, high school additions, and land acquisition, though it was structured with no anticipated rate increase.
How to Lower Your Montgomery County Property Taxes
One study found that 55% of Montgomery County homes were assessed above market value -- meaning the odds favor homeowners who take action. Here's where to start.
1. File for Homestead Exemption
If you haven't filed for your homestead exemption, do so immediately. Beginning in 2026, the school district exemption rises to $140,000 under SB 4 (Proposition 13), saving a typical Conroe ISD homeowner roughly $1,329 per year in school taxes alone. The City of Conroe, Montgomery County, and the hospital district each offer additional exemptions.
The filing deadline is April 30, and you can file up to two years late to claim missed savings.
2. Protest Your Appraised Value
In 2023, 27% of Montgomery County residents protested their appraisals, resulting in $78.34 million in combined tax reductions. Protesting your Montgomery County property tax appraisal gives you the opportunity to present comparable sales and condition evidence that your home is overvalued. With commercial values surging 15% and apartments rising 29%, residential assessments may also have been pulled upward. Review your Notice of Appraised Value when it arrives in April or May and file before the deadline.
Get Help With Your Montgomery County Property Tax Protest
With over 150 MUDs, rapidly rising values, and more than half of homes potentially assessed above market value, Montgomery County homeowners have strong reasons to have their appraisals professionally reviewed.
Ballard Property Tax Protest represents homeowners across Montgomery 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.