Sum of adopted unit rates, before exemptions.
Core units only, homestead applied, tax year 2025.
Property Taxes in The Woodlands
Most of The Woodlands is in Montgomery County, with a smaller part in Harris County. The 2025 core rate above is Montgomery County, the hospital district, Conroe ISD, The Woodlands Township, and Lone Star College, before exemptions. It does not include a MUD. On the 2025 Conroe ISD rate of 0.9496 per $100, the $140,000 school homestead exemption is about $1,329 a year.
Scout's Pro Tip: Protest High Appraisals
Montgomery Central Appraisal District (MCAD) has been aggressive in reassessing values to match the hot real estate market. Because home values here are high, even a small percentage reduction from a successful tax protest can save you hundreds, if not thousands, of dollars.
Maximizing Exemptions
Filing your homestead exemption is strongly recommended. The General Residence Homestead Exemption removes $140,000 from your home's value for school district tax purposes. In Conroe ISD, this provides substantial relief.
Other Common Exemptions:
- •Over-65 Exemption: Provides an additional $60,000 off school taxes and places a ceiling on future school tax increases.
- •Disabled Veteran: Depending on the disability rating, can offer partial to 100% total property tax exemption.
The Township Assessment
Unlike traditional cities, The Woodlands is a special purpose district (The Woodlands Township). Residents pay a property tax to the Township instead of a city tax. This funds the extensive trail systems, parks, fire department, and neighborhood services.
Strategy: The Township tax rate is historically very competitive compared to the municipal tax rates of surrounding incorporated cities like Conroe or Houston, making it a relatively efficient way to fund high-quality local amenities.
Home Equity & Market Trends
The Woodlands maintains strict development standards and a finite amount of land, ensuring high demand and robust property values. It is a premier wealth-building market for homeowners.
The Texas 80% Rule
If you want to use a HELOC for renovations, Texas law limits a home-equity loan, HELOC, or cash-out refinance to 80% of fair market value. A purchase mortgage can be higher. With high median values in The Woodlands, you likely have significant borrowing power available.
Pacing Your Payoff
Making extra principal payments on a high-value mortgage can save you tens of thousands of dollars in interest over the life of the loan. It's one of the best guaranteed returns on your money.