Property Tax on Lake Ray Hubbard by City

Why Property Tax Varies So Much on Ray Hubbard

Lake Ray Hubbard is surrounded by properties in four different counties (Rockwall, Dallas, Collin, Kaufman) and five different cities, each with their own tax rates. A lakefront home in Heath on the north shore and a lakefront home in Garland on the south shore may have similar square footage, similar lake frontage, and similar market values -- and carry property tax bills that differ by $3,000 to $5,000 per year. The city and county your specific parcel falls in is the single most important tax variable on this lake.

Verified 2025 Tax Rates by City (Old Republic Title, December 2025)

These are the verified 2025 combined rates from Old Republic Title's December 2025 DFW Property Tax Rate Guide, sourced from each county's Central Appraisal District. Rates are per $100 of assessed value before exemptions. After applying the $140,000 school district homestead exemption (Texas Proposition 13, passed November 2024), Rockwall County's effective rate on median homes is approximately 1.49%. Individual parcels may also be subject to MUD, PID, or special district levies not reflected above.

The Dollar Impact on a $600,000 Ray Hubbard Home

On a $600,000 lakefront home, the difference between buying in Heath (1.59%) versus Rowlett in Dallas County (2.35%) is approximately $4,560 per year -- $45,600 over 10 years before accounting for value appreciation that would further widen the absolute gap. This is why the city matters on Ray Hubbard. Two buyers purchasing equivalent properties on the same lake in the same week can have annual tax bills that differ by nearly $5,000.

Rockwall County vs. Dallas County: The Key Split

The most important county-level distinction on Lake Ray Hubbard: Rockwall County carries a county rate of $0.251 per $100. Dallas County carries a county rate of $0.533 per $100 -- more than double. This county-rate gap of $0.282 per $100 adds $1,692 per year to the tax bill on a $600,000 home purely from the county levy, before any difference in city or school district rates. Most of the Rockwall and Heath waterfront is in Rockwall County. Much of the Rowlett and Garland waterfront is in Dallas County. Confirm which county your specific parcel falls in through the Rockwall CAD (rockwallcad.com) or Dallas CAD (dallascad.org) before making an offer.

The Homestead Exemption

Texas's $140,000 school district homestead exemption (as of 2026 after Proposition 13 passed in November 2024) applies to your primary residence. At Ray Hubbard's school district levy rates (Rockwall ISD: 1.067%, Garland ISD: 1.051%), the $140,000 exemption saves approximately $1,494 to $1,564 per year in school district taxes alone. File with the Central Appraisal District of the county your parcel is actually in -- not the county you assume based on your mailing address. Rockwall County properties file with Rockwall CAD. Dallas County properties file with Dallas CAD. Collin County properties (small number on the lake's far north reach) file with Collin CAD. Filing with the wrong CAD delays your exemption by a full year.