Taxes & Closing Costs

    Ad Valorem Tax

    A property tax based on the appraised value of real estate, set as of January 1 and paid in arrears in Texas.

    Ad valorem means according to value. An ad valorem tax is a property tax based on the appraised value of the real estate, determined by the county appraisal district as of January 1 each year. Texas has no state income tax, so local property taxes are a primary source of local funding.

    In Texas these taxes are paid in arrears, and the bill is figured by dividing the taxable value by 100 and multiplying by the combined rate per 100. Each taxing unit, such as the county, school district, and city, sets its own rate.

    On the exam

    Ad valorem taxes are value-based, appraised as of January 1, and paid in arrears. Texas rates are stated per 100 of value.

    Exam trap

    Ad valorem is based on value, unlike a special assessment, which is based on the benefit a property receives.

    Tested in

    Real Estate Math (6% of the exam)

    Practice this section →

    From definition to recall

    See this term inside a real exam question.

    Pass Texas gives you Texas-specific practice, diagnostics across the 14 exam areas, Trap Library, Math Coach, offline access, and one $59.99 purchase. No subscription. No copied exam questions.

    Try 5 free questions

    This definition is Texas real estate exam-prep education, not legal, tax, or professional advice. Verify current rules against the official source before relying on them for a real transaction. Back to the full glossary.