Collin County Cities Property Tax Rates Explained

What are the property tax rates in Collin County cities?

Property tax rates in Collin County cities vary significantly by municipality and are only one layer of your total tax bill. Based on the most recent published figures (tax year 2025), city-component rates ranged from $0.208008 per $100 of taxable value in St. Paul to $0.725000 in Farmersville. To find your actual total rate, you must add the county, school district, and any applicable special-district rates on top of the city figure.

Key Takeaways

• Collin County’s 2025 county-level property tax rate was $0.149343 per $100 of taxable value, that is the county component only, not your total bill.
• Among cities listed in the 2025 Collin County tax rate summary, St. Paul had the lowest city component at $0.208008 per $100 and Farmersville had the highest at $0.725000 per $100.
• Your total property tax rate in any Collin County city depends on your exact address, because school district and special-district boundaries do not follow city limits.
• Homestead, over-65, and disability exemptions can meaningfully reduce your taxable value and vary by taxing jurisdiction, they are worth checking for every property.
• The official Collin County tax estimator and the Collin Central Appraisal District database are the most reliable tools for a property-specific rate lookup.

How do Collin County cities property tax rates compare?

The city rate is the piece most buyers focus on, but it is only one slice of the total. Here is what the Collin County Tax Assessor-Collector’s 2025 rate summary shows for the city component across several municipalities.

Source: Collin County Tax Assessor-Collector, tax year 2025. These are city-component rates only. The county component, school district, and any special districts are added separately. 2026 adopted rates should be confirmed directly through the Collin Central Appraisal District tax-rate database.

A few things stand out when you look at that table. Murphy and St. Paul sit at the lower end of the city-component range, while Sachse and Farmersville are near the top. But before you draw a conclusion about which city is the cheapest, keep reading, the city rate is genuinely the smallest part of the story for most homeowners.

The county component every property carries

Every property in Collin County starts with the same county base. The 2025 adopted county rate was $0.149343 per $100 of taxable value, according to the Collin County Tax Assessor-Collector. That rate applies whether you are in McKinney, Plano, Prosper, or anywhere else within county boundaries.

School districts and special districts change the math dramatically

This is where most buyers get surprised. School district rates in North Texas are typically the largest single component of a property tax bill, often exceeding the city and county rates combined. And because school district boundaries do not align perfectly with city limits, two homes on the same street can fall into different districts and carry meaningfully different total rates.

Special districts, municipal utility districts (MUDs) in particular, are common in newer master-planned communities across Collin County. If you are considering a home in a newer development in Celina, Prosper, Princeton, or similar growth corridors, there is a real chance a MUD rate is layered on top of everything else. The Texas Comptroller of Public Accounts publishes statewide rate files by taxing unit and tax year, which is the definitive place to verify any jurisdiction’s adopted rate.

I walk every buyer through this before we start comparing cities. The total rate, not just the city component, is what matters for your monthly budget, and that number only exists at the address level.

How do you find the exact property tax rate for a specific home in Collin County?

The most reliable approach is to use the official tools the county and appraisal district provide, then verify the result against the adopted rates for the relevant tax year.

Start with the county’s tax estimator

The Collin County Tax Estimator is address-sensitive and covers cities including Allen, Anna, Blue Ridge, Celina, Fairview, Farmersville, Frisco, Josephine, Lavon, Lucas, McKinney, Melissa, Murphy, Nevada, New Hope, Parker, Plano, Princeton, Prosper, Richardson, Sachse, St. Paul, Westminster, Weston, and Wylie. Enter the property address and it identifies the taxing jurisdictions that apply, giving you a practical starting point for the total rate.

Confirm through the appraisal district

The Collin Central Appraisal District maintains the official account records for every property in the county. Search by address to confirm the property’s taxing units, then cross-reference the adopted rates through the district’s tax rates and exemptions database. This step matters because the estimator is a useful starting point, but the appraisal district account is the authoritative source for which jurisdictions actually apply to a given parcel.

Account for exemptions before you finalize a number

The rate is only half the equation. Your taxable value, the number the rate is applied to, can be meaningfully reduced by exemptions. The homestead exemption, over-65 exemption, and disability exemption all vary by taxing jurisdiction, and the county’s 2025 rate summary lists exemption amounts alongside the jurisdiction rates. A home that qualifies for multiple exemptions can carry a substantially lower effective tax burden than the headline rate suggests, even compared to a home in a lower-rate city with no exemptions in play.

If you are evaluating a home in McKinney or any of the surrounding Collin County communities, this is exactly the kind of calculation I work through with buyers before they make an offer. The right comparison is not city-to-city rate; it is total annual tax bill on the specific property, after exemptions.

What this means for buyers and sellers in Collin County

Property taxes are a real carrying cost, and in a market like North Texas where values have appreciated significantly, the tax bill on a home can be a meaningful line item in your monthly budget. Here is how I see buyers and sellers use this information in practice.

For buyers

Before you fall in love with a home, run the address through the county estimator and confirm the total rate. A home priced attractively in one city can carry a higher effective tax burden than a similarly priced home a few miles away in a different school district. That difference shows up every month in your escrow payment.

New construction in particular deserves scrutiny. Many of the master-planned communities in Collin County, including newer phases in Celina, Prosper, and Princeton, were built within MUD boundaries. The MUD rate is temporary in theory (it retires debt over time), but it can add meaningfully to your total rate in the early years of ownership. If you are weighing new construction, the Collin County new construction landscape has some important nuances worth understanding before you sign.

For sellers

Buyers are increasingly sophisticated about carrying costs, and a home in a higher-rate jurisdiction will draw that question. Knowing your current tax bill and the breakdown behind it, city, county, school district, any special districts, and applicable exemptions, lets you answer that question confidently and accurately. It also helps buyers understand that your low taxable value (if you have held the home for years with a homestead cap) does not predict what their tax bill will be, since the appraisal district will reassess at the sale price. That reset is a real conversation to have before closing.

Property taxes also factor into the broader cost picture when you are deciding whether and when to sell. For a fuller look at what sellers typically see at the closing table in Collin County, the seller closing costs breakdown for Collin County covers the other line items alongside the tax proration.

Frequently Asked Questions

What is the property tax rate in McKinney, Texas?

McKinney’s city-component rate for tax year 2025 is not listed in the county’s published rate summary table referenced here, but you can look it up directly through the Collin County Tax Estimator or the Collin Central Appraisal District database. Your total McKinney rate will include the city component, Collin County’s $0.149343 per $100 (2025), your applicable school district, and any special districts tied to your specific address.

Which Collin County city has the lowest property tax rate?

Among the cities listed in the 2025 Collin County Tax Assessor-Collector rate summary, St. Paul had the lowest city-component rate at $0.208008 per $100 of taxable value. That comparison covers only the city component, not the total rate, the school district and any special districts on a given property can shift the full picture significantly, so the city with the lowest city-component rate is not necessarily the city with the lowest total tax burden.

Are property taxes higher in Frisco or Allen?

Based on the 2025 city-component rates published by the Collin County Tax Assessor-Collector, Frisco’s city rate ($0.425517 per $100) was slightly higher than Allen’s ($0.415400 per $100). However, the total tax burden on a specific home in either city depends on which school district and special districts apply to that address, both cities span multiple school district boundaries, so a property-level comparison through the county estimator is the only reliable way to answer this for a home you are actually considering.

Does the city property tax rate include the school district rate?

No. The city rate and the school district rate are separate levies from separate taxing entities, and they are billed together but calculated independently. In Collin County, the school district component is typically the largest single piece of a homeowner’s total tax bill. The Texas Comptroller of Public Accounts publishes all taxing-unit rates by tax year, so you can see every component individually.

How do homestead and over-65 exemptions reduce Collin County property taxes?

Exemptions reduce your taxable value, the number your rate is applied to, rather than the rate itself. The homestead exemption, over-65 exemption, and disability exemption each vary by taxing jurisdiction within Collin County, and some jurisdictions also offer a tax ceiling (freeze) for qualifying over-65 homeowners. The county’s rate summary lists exemption amounts by jurisdiction alongside the adopted rates; the Collin Central Appraisal District is the place to apply for and confirm your exemptions on a specific property.

Why is my total property tax rate different from my neighbor’s?

Even adjacent properties can fall within different school district or special-district boundaries, which means they carry different total rates despite sharing a city and county. Additionally, differences in taxable value (from different purchase dates, appraisal caps, or exemption status) mean two homes with the same rate can still produce different tax bills. The address-level lookup through the Collin County Tax Estimator is the fastest way to confirm exactly which taxing units apply to your property.

Property taxes in Collin County are not a single number, they are a stack of rates from multiple taxing entities that only resolves at the address level. If you are buying or selling in McKinney, Frisco, Allen, Plano, or anywhere else across the Collin County cities, I can help you pull the right numbers for the specific property so you go into the transaction with a clear picture of what the carrying costs actually look like.

Ready to work through the numbers on a home you are considering? Schedule a consultation with me at Feller Realty and I will walk you through what the tax picture looks like for your specific situation.

Equal Housing Opportunity. Jason Feller is licensed as a Real Estate Broker in Texas. This article is general information only and is not legal, tax, or financial advice. Confirm your specific property tax figures with the Collin Central Appraisal District, a qualified tax advisor, or your title company. Texas Real Estate Commission Consumer Protection Notice · Texas Real Estate Commission Information About Brokerage Services.