Collin County property tax in Plano: 2026 rates, bills and due dates

Plano property tax at a glance (tax year 2026)

Plano property tax estimator

Tax year 2026 rates adopted by each taxing unit (Collin Central Appraisal District and the units' own notices). † Denton County's 2026 rate is proposed, not yet confirmed as adopted, and its homestead exemption isn't verified, so none is applied; Collin College isn't included for Denton County addresses: check the parcel's bill. An estimate, not a tax bill: special districts and over-65 tax ceilings can change it. Confirm with the appraisal district or a CPA.

Plano property tax rate for 2026, unit by unit

Start with the part you can't change. For a home in Plano ISD on the Collin County side, the four 2026 rates add up to $1.702984 per $100 of taxable value, half a cent under 2025. Nobody negotiates a rate, so don't choose between two Plano homes on it. Choose on the school district line on the parcel, check for a MUD, and put your effort into the homestead filing and the appraised value: those move the bill by hundreds or thousands of dollars.

Rates are the adopted figures in Collin Central Appraisal District's entity list for tax years 2026 and 2025. The school district is 61% of the combined rate, so the district your parcel sits in matters more than anything the city or county decides.

Plano ISD tax rate

The school line is the biggest on your bill and the one that fell: $1.03275 for 2026, down from $1.03955. It's also where your biggest exemption sits. The $140,000 school homestead amount takes about $1,446 off the typical bill, which is why a missed filing hurts most on this line.

City of Plano property tax rate

The city held its total for 2026 and shifted more of it to debt service. What matters to you is its exemption: the full 20% the state allows. Because it's a percentage, the saving grows with your price, about $436 a year on the typical home.

Collin County tax rate

The county raised its rate for 2026 in a 4-1 vote on September 14, its first increase since 1993, Community Impact reported. That's the headline you'll hear about, and on the typical homestead it adds about $10 a year. Its 5% homestead exemption is the smallest of the four, so this line barely changes whether you file or not.

Collin College property tax rate

The college held its rate for 2026 and is the smallest line after the county's: about $323 a year on the typical homestead. If you're 65 or older, its $100,000 senior exemption is the largest of the four units, so check that the over-65 exemption shows on this line once you've filed.

Collin County property tax bill on a typical Plano home

Here is the 2026 bill on Zillow's typical Plano home value of $497,714 (September 2026), assuming the appraisal district values it at the same figure, the home is in Plano ISD and Collin County, and the owner has a homestead exemption on file.

That's $540 a month if your lender escrows it, and an effective rate of 1.30% of value. Without a homestead exemption, the same home's bill is $8,476 (1.70%). The exemption is worth $2,000 a year on this house.

What the 2026 rate changes did to a Plano tax bill

Run the same $497,714 homestead through the 2025 rates and the bill is $6,491. The 2026 rates saved $15: Plano ISD's cut and Collin County's increase nearly cancel out. So when a neighbor says taxes went up, look at the appraised value first. On this home the rates moved the bill by $15; the exemption moves it by $2,000, and the value is the part you can protest.

Property tax on a $500,000 house in Plano

A $500,000 homestead in Plano ISD pays about $6,512 at 2026 rates, or $8,515 without the exemption. The ZIP you buy in moves the bill far more than any rate vote: a typical 75024 home pays about $8,559 a year and a typical 75074 home about $4,319, a gap of $4,240 every year. For your own price, use the estimator above or the Plano property tax calculator, and compare ZIPs on the Plano ZIP code guide.

Your first Plano property tax bill after you buy

Two things set your first years of Plano property tax, and neither is the rate. Texas appraises every home as of January 1, and exemptions follow the owner on that date. If you close in, say, June 2026, the 2026 bill still carries the seller's exemptions. Your own homestead exemption starts with the 2027 tax year, once you own and live in the home on January 1, 2027.

Property tax proration at a Plano closing

The standard Texas resale contract (TREC form 20-18) prorates the current year's taxes through the closing date. The seller credits you for their share of a bill that isn't due until January 31, and you pay the whole bill when it arrives. If the final bill differs from the estimate used at closing, the contract says the parties adjust once the statements are available. The proration may account for exemptions changing, which matters if the seller had an over-65 exemption you won't get. Line-by-line closing costs are on the Texas closing costs guide.

The homestead cap resets when a Plano home sells

The 10% yearly cap on a homestead's appraised value applies only to an owner who had the homestead exemption in both the prior and the current year. It starts on January 1 of the tax year after you first qualify. A seller who held the home for years may have a capped value below market; after the sale, the appraisal district can move the value to full market value. Budget from the price you paid, not the seller's last bill.

Where Plano buyers lose money on property tax

• No homestead filing: about $2,000 a year on the typical home, $8,476 instead of $6,476. A late filing is accepted for up to two years after the delinquency date and the overpayment refunded, but only if you file.
• Budgeting from the seller's bill: a long-held home's capped value can sit well under market, and the cap doesn't pass to you.
• A senior seller's proration: the over-65 exemptions are worth about $921 a year on the typical home, plus a frozen school tax. Ask the title company how the proration treats exemptions you won't get.
• Paying after January 31: by July, penalty and interest add about 18% to the bill (the schedule is below).

Collin County property tax due date for new owners

Bills go to the owner of record. If yours doesn't arrive, the tax is still due by January 31, so look the account up on the Collin County Tax Assessor-Collector's site in late fall. If your loan has an escrow account, your lender pays it; check that the lender has your new account number.

How Collin CAD sets the value your property tax uses

The rate is half the bill; the other half is the value the appraisal district puts on your home. Texas law has the district appraise at market value as of January 1, defined as the price the property would bring in an open-market cash sale with a reasonable time to find a buyer. That value lands on your April notice and, after any protest, on the fall bill.

Collin CAD market value and the January 1 date

Because the date is fixed, a price change during the year shows up on the next year's notice. Zillow's typical Plano value fell 3.33% in the 12 months to September 2026, so check the 2027 notice against recent sales rather than assuming it will rise. A buyer who paid less than the appraisal district's value has the most direct evidence there is: a closing price. The Plano housing market report tracks the trend by ZIP.

Circuit breaker cap on Plano rentals and second homes

Homes without a homestead exemption get a separate 20% yearly cap on appraised value increases if the property is worth $5,320,000 or less in 2026 (the threshold was $5,160,000 in 2025). It starts the year after you first own the property on January 1. The Comptroller notes this limit expires December 31, 2026 unless lawmakers extend it, so a rental you keep in Plano may lose it from 2027.

Plano vs Frisco property tax rate

A Frisco home on the Collin County side in Frisco ISD pays a combined 2026 rate of $1.677551 per $100 (Frisco ISD $1.0194, City of Frisco $0.425517, plus the same county and college rates), about 2.5 cents under Plano's. Frisco's typical value is $640,131 against Plano's $497,714, so the typical Frisco bill is larger even at the lower rate. The full comparison is in Plano vs Frisco.

Collin County property tax due dates and penalties

Every year runs on the same Texas calendar. The appraisal district sets values as of January 1, mails notices around April 15, and certifies the roll by July 25. Each unit then adopts its rate in late summer, and the Collin County Tax Assessor-Collector mails one combined bill in the fall.

Late property tax penalties in Texas

Under the Comptroller's schedule, a bill unpaid on February 1 picks up a 6% penalty and 1% interest. The penalty grows 1% a month until it reaches 12% on July 1, and interest keeps running at 1% a month with no cap. Delinquent accounts sent to a collecting attorney can carry an added fee of up to 20%. A $6,476 bill paid in July costs about $7,700 before any attorney fee.

Property tax installment plans for 65-plus owners

Homeowners 65 or older, disabled owners and qualifying disabled veterans can pay homestead taxes in four equal installments without penalty or interest. You send written notice with the first payment before February 1; the others are due before April 1, June 1 and August 1. Miss one and that installment takes the 6% penalty plus 1% a month.

Plano property tax exemptions at a glance

Exemptions cut the taxable value before the rate applies. In Plano they're unusually large because two of the four units give the state's 20% maximum. The Collin County homestead exemption guide covers who qualifies and how to file; this table shows the 2026 amounts each unit grants.

On the typical Plano home, Plano ISD's $140,000 does 72% of the work: $1,446 of the $2,000 saving. The over-65 amounts add about $921 more on the same home, and all four units freeze the tax for qualifying owners.

Property tax in the Denton County part of Plano

A small far-west part of Plano sits in Denton County; the Comptroller's sales tax list carries Plano under both counties. Those parcels are appraised by Denton Central Appraisal District and the bill combines different units. Kings Ridge, for example, is in Denton County and Lewisville ISD according to its HOA. See the Kings Ridge neighborhood guide and the map on where Plano sits across Collin and Denton counties.

Lewisville ISD and Denton County tax rates for 2026

Those three units total about $1.6988 per $100. Lewisville ISD's rate is higher than Plano ISD's, so the school line on the typical $497,714 homestead runs about $3,855 against $3,694 in Plano ISD. Check the parcel's bill for the full unit list and the final Denton County rate; Denton County's homestead percentage wasn't confirmed for this guide.

Texas MUD tax and other property tax add-ons

A municipal utility district (MUD) is a separate taxing unit that pays for water, sewer and roads in a development built outside a city's utility system. Its rate sits on top of the four units above, and in Collin County it can be large: the appraisal district's 2026 list has 29 MUDs, and their 2026 rates run from $0.17325 to $1.20 per $100 on their own, with $1.00 the middle of the list.

How to check a Plano home for a MUD tax

None of the 29 MUDs on Collin CAD's 2026 entity list carries Plano's name, which fits a city that runs its own water and sewer. Still, check before you offer: open the parcel on Collin CAD's property search, read the "entities" line, and ask the seller for the last tax statement. Texas sellers must disclose a MUD in writing, and a home in a new subdivision at the city's edge is the place to look twice. For new builds, see the Plano new construction guide.

Plano property tax checklist for buyers

Work through this before you write an offer and again after closing:

1. Look up the parcel on Collin CAD (or Denton CAD for the far west) and note every taxing unit, including any MUD.
2. Estimate the bill from your purchase price, not the seller's capped value, with the four rates above.
3. Read the seller's last bill for exemptions you won't inherit (over-65 freezes especially).
4. At closing, confirm the tax proration in your settlement statement and whether your lender escrows taxes.
5. On January 1 after you move in, update your driver license to the new address, then file the homestead exemption between January 1 and April 30.
6. When the April notice arrives, compare the value to recent sales and decide on a Collin County property tax protest by May 15.
7. Pay the bill by January 31.

This guide explains how the tax works; it isn't tax or legal advice. Confirm your own figures with the appraisal district, a CPA or a real estate attorney. If you're comparing homes across Plano, Linda can pull the tax records for each one with you before you choose. For the rest of the household budget, see the cost of living in Plano, and for sales tax and the vehicle tax, the guide to Plano sales tax and Texas's lack of income tax.