County data
Smith County, TX Mortgage Calculator
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- Principal & interest$0
- Property tax$0
- Home insurance$0
- HOA dues$0
- Mortgage insurance (PMI)$0
- Total interest over the loan
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- Paid off
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Smith County at a glance
Median home value
$240,700
Property tax rate
1.37%
Texas: 1.88% · U.S.: 1.05%
Median income
$74,192
Conforming loan limit
$832,750
Typical monthly cost of the median home
Principal and interest
$1,318
$192,560 loan at 7.28%, 30 years
Property tax
$275
1.37% of $240,700 a year
Together
$1,592
before insurance, HOA and PMI
Other large counties in Texas
| County | Median home | Tax rate | Payment |
|---|---|---|---|
| Harris County | $276,600 | 1.91% | $1,954 |
| Dallas County | $303,000 | 1.86% | $2,128 |
| Tarrant County | $323,900 | 1.87% | $2,278 |
| Bexar County | $262,200 | 2.02% | $1,877 |
| Travis County | $523,000 | 1.57% | $3,547 |
| Collin County | $475,600 | 1.68% | $3,269 |
| Denton County | $437,200 | 1.70% | $3,012 |
| Fort Bend County | $374,500 | 2.04% | $2,687 |
Frequently asked questions
What is the property tax rate in Smith County, TX?
Homeowners with a mortgage in Smith County pay a median of $3,302 a year in property tax on a median home value of $240,700, an effective rate of 1.37%. That is below the Texas figure of 1.88% and above the U.S. median of 1.05%. It ranks 179 of 250 counties in Texas for effective rate, highest first. Your own bill depends on the assessed value, the taxing districts and any exemptions.
How much is the monthly payment on a median-priced home in Smith County?
On a $240,700 home with 20% down and a 30-year loan at 7.28% (the Freddie Mac weekly average), principal and interest is about $1,318 a month and property tax about $275, so roughly $1,592 before homeowners insurance, HOA dues and mortgage insurance. For comparison, the median household income here is $74,192 a year, so that payment is about 26% of it.
What is the conforming loan limit in Smith County?
The 2026 one-unit conforming loan limit for Smith County is $832,750. A conventional loan above that amount is a jumbo loan, which can have different rates and down payment requirements.
Where do these numbers come from?
Home values, property taxes and incomes are U.S. Census Bureau American Community Survey 5-year medians for the county. Loan limits come from the Federal Housing Finance Agency and rates from Freddie Mac. The methodology page lists each source and when it was retrieved.
Data and method. Home values, property taxes and incomes: U.S. Census Bureau, ACS 2024 5-year (2020-2024) (medians, with sampling error; property tax is for owners with a mortgage). Loan limits: FHFA. Rates: Freddie Mac weekly average as of October 1, 2026. Retrieved October 1, 2026. Payment figures assume 20% down, a 30-year fixed loan, and exclude insurance, HOA dues and mortgage insurance. Estimates only; see the methodology.