Tax Impact

Understanding the Tax Rate

Your City tax rate has two parts. What goes in each bucket is set by state law, and they are not interchangeable.

How the adopted rate is structured

The 2026-27 adopted rate approved by City Council reduces the Interest and Sinking (I&S) portion of the property tax rate, which pays debt associated with voter-approved projects, by approximately 4.1 cents. It increases the Maintenance and Operations (M&O) portion, which funds day-to-day city services, by approximately 3.1 cents. The combined result is an overall City property tax rate approximately 1 cent lower than last year.

Part What it pays for 2025 2026 FOR 2026 AGAINST
M&O Day-to-day services: police, fire, 9-1-1, streets,
parks, libraries and payroll 		$0.288657 $0.320000 $0.283354
I&S Principal and interest on bonds and certificates of
obligation 		$0.401089 $0.359900 $0.359900
TOTAL $0.689746 $0.679900 $0.643254

What could this mean for my City tax bill?

This example shows only the City of Garland portion of the property tax bill and holds the property value constant so the rate difference is easy to see. Your actual bill will depend on your taxable value and exemptions.

Market value Taxable value 2026 FOR 2026 AGAINST Difference
between FOR
and AGAINST
$335,552
(average home value in Garland) 		$290,096
(includes
11% City
homestead
exemption) 		$1,972.36 $1,866.05 $106.31/year
or
$8.86/month

Compared with 2025, at the same property value

Taxable value Difference between 2025
and 2026 FOR		 Difference between 2025
and 2026 AGAINST
$290,096 -$28.56/year
or
-$2.38/month 		-$134.87/year
or
-$11.24/month

What will the tax rate election mean for my tax bill?

Enter your property’s taxable value below to see your City of Garland property tax for the year under the current rate and under each proposed rate. Add last year’s taxable value to see how your actual bill changes year over year.

1

Look up your taxable value

Your taxable value is set by the county appraisal district, not by the city. Search for your property, then find the taxable value on your property record — for this year and, if you want the year-over-year comparison, for last year as well.

Search DCAD by address Search by owner name Search by account number

Most Garland property is in Dallas County. If your property is in the Collin County portion of Garland, use Collin CADinstead.

Use the taxable value shown on your record — that is the market value after any exemptions have already been subtracted.

2

Enter your taxable values

Adds a column comparing each scenario to the bill you actually paid last year.

Or try an example:

Please read

  • This shows the City of Garland portion of your tax bill only. Your full statement also includes the school district, the county, the hospital district, the community college district and any other taxing units. Those rates are set separately and are not affected by this election.
  • Your bill depends on two things: the tax rate and your taxable value. The city sets the rate; the county appraisal district sets the value. If your taxable value went up more than the rate came down, your bill can still be higher than last year even though the rate is lower.
  • This is an estimate. It multiplies the taxable value you enter by each tax rate. Your actual bill depends on your final certified taxable value and any exemptions, freezes or caps that apply to you — including the over-65 or disabled persons tax ceiling, which may hold your city taxes at a fixed amount regardless of the rate.
  • Taxable value comes from the county appraisal district, not from the city. Questions about your appraised or taxable value should go to your county appraisal district.
  • The official tax rates and ballot language govern in all cases. Figures here are rounded for readability.