South Texas Residents Protesting Property Taxes: Do’s and Don’ts for Success

As property tax notices hit mailboxes across South Texas, many residents are feeling the pinch of rising appraisals and tax bills. Texas is known for its high property taxes, and South Texas homeowners are increasingly protesting their property valuations to seek relief. Here’s a quick guide on what to do—and what to avoid—when protesting your property taxes.

Why Are South Texans Protesting Property Taxes?

South Texas, like much of the state, faces some of the highest property tax rates in the U.S., driven by the absence of a state income tax and reliance on property taxes to fund schools, cities, and counties. Recent news highlights legislative efforts, like Senate Bill 4, which proposes raising the homestead exemption to $140,000 (or $150,000 for seniors), potentially saving homeowners around $363 annually if approved by voters in November 2025. However, with appraisal notices arriving now and a May 15 protest deadline (or 30 days from notice receipt), residents are taking action to challenge inflated valuations.

How To Protest Property Taxes in Texas

If you’ve never protested your property taxes before, the process might seem intimidating — but it’s more straightforward than you think. Texas gives homeowners the legal right to challenge their appraised property value each year, and doing so could lower your tax bill significantly. Here's a list of do’s and dont’s and what to expect along the way.

Do’s When Protesting Your Property Taxes

If you’ve decided to protest your property taxes, good call — but don’t walk in blind. Doing it right can make a huge difference. Whether it’s your first time or you’ve done it before, the approach matters just as much as the reason. Here’s how to protest property taxes and win. Give yourself the best shot at a successful protest.

• Do Gather Strong Evidence

  • Build a compelling case with comparable home sales (comps), repair estimates, or photos of property conditions like foundation issues or outdated features. For example, show that similar homes in your neighborhood sold for less than your appraised value.

• Do File by the Deadline

  • In Texas, you must file your protest by May 15 or within 30 days of receiving your appraisal notice, whichever is later. Missing this window locks you into your tax bill for the year. Check with your county appraisal district (e.g., Cameron, Hidalgo, or Nueces) for specifics.

• Do Leverage Homestead Exemptions

  • If your home is your primary residence, ensure you’ve applied for a homestead exemption, which caps taxable value increases and could lower your bill. South Texas counties like Hidalgo offer online tools to simplify this process.

• Do Prepare for the Appraisal Review Board (ARB) Hearing

  • Present your evidence clearly, focusing on discrepancies in your assessed value. Use data-driven arguments, like median neighborhood values, and stay polite but firm.

• Do Explore Professional Help

  • If the process feels overwhelming, consider hiring a property tax consultant. 

Don’ts When Protesting Your Property Taxes

Knowing what not to do is just as important as getting your paperwork together. A single mistake or oversight can tank your protest, even if your case is solid. Here’s what to avoid when challenging your property valuation.

• Don’t Ignore Your Appraisal Notice

  • Failing to open or respond to your notice could cost you the chance to protest. Even if your value seems unchanged, file a protest if you believe it’s unfairly high.

• Don’t Rely Solely on Emotional Appeals

  • Avoid arguing that taxes are “too high” without evidence. The ARB focuses on market value accuracy, not your financial situation. Back your case with data, like comps or repair costs.

• Don’t Miss Deadlines for Exemptions

  • If you’re eligible for exemptions (e.g., homestead, senior, or disabled), don’t wait past April 30 in some counties to apply. These can significantly reduce your taxable value.

• Don’t Go Unprepared to the Hearing

  • Showing up without organized evidence or a clear argument weakens your case. Use tools like the Houston Chronicle’s guide for Harris County residents to prep effectively.

• Don’t Assume Protesting Isn’t Worth It

  • Many South Texans skip protesting, missing out on savings. In 2024, Texas homeowners left $2 billion in potential tax savings on the table by not protesting. Every dollar counts

Why This Matters for South Texas Homeowners

Protesting your property taxes can lower your annual tax burden, freeing up funds for mortgage payments, home improvements, or savings. With Texas lawmakers allocating $51 billion for property tax relief and local appraisal districts mailing notices now, 2025 is a critical year to act. By following these do’s and don’ts, you can join the wave of South Texans fighting for fair assessments.

Ready to Take Control of Your Homeownership Costs?

At Movement Mortgage RGV, we’re committed to empowering South Texas homeowners with the tools and knowledge to thrive. Protesting your property taxes is just one way to save. Contact us today to explore mortgage options, refinancing, or homeownership tips to keep your finances on track. Subscribe to our blog for more insights to boost your home’s value and your wallet.