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Published August 7, 2026

How to Protest Your Property Tax Appraisal in Bexar, Kendall, Comal, and Bandera Counties

Every spring, thousands of Hill Country homeowners open an envelope from their county appraisal district and feel a jolt. The number on the Notice of Appraised Value is higher than they expected, sometimes thousands of dollars higher. The good news is that Texas law gives you the right to challenge that number, and the process is more straightforward than most people think. This guide walks you through every step, from the day your notice arrives to the final ruling, with specific information for Bexar, Kendall, Comal, and Bandera Counties.

Why Your Appraised Value Matters

Texas property taxes are ad valorem, meaning "according to value," but three different numbers can matter: market value, appraised value and taxable value. Market value is generally the appraisal district's estimate of what the property was worth on January 1. Appraised value may be limited by a statutory cap, and taxable value reflects applicable exemptions. Because exemptions can differ among taxing units, taxes are calculated separately for each taxing unit and then added together.

A successful protest saves money only to the extent that it actually reduces taxable value. For example, if a protest reduces taxable value by $50,000 across taxing units whose combined rates equal $2.20 per $100, the current-year savings would be approximately $1,100. But a $50,000 reduction in market value does not necessarily produce $1,100 in savings. On a capped homestead, for example, market value can fall without changing the lower capped appraised value on which taxes are based.

Estimated Annual Tax Savings at a $2.20 Tax Rate

Reduction in Taxable Value Annual Savings
$25,000 $550 / year
$50,000 $1,100 / year
$75,000 $1,650 / year
$100,000 $2,200 / year

Illustrative example only. These figures assume taxable value is reduced by the amounts shown across taxing units whose combined rates equal $2.20 per $100. A reduction in market value or appraised value does not necessarily produce an equal reduction in taxable value. Actual savings depend on appraisal limitations, exemptions and the tax rates applicable to the property. ARB decisions apply only to the tax year at issue; values and tax rates can change in later years.

The 2026 Protest Calendar: Key Dates You Cannot Miss

The protest process runs on a strict calendar. Missing one deadline typically means waiting a full year to try again. Here is the timeline for the 2026 tax year.

2026 Property Tax Protest Timeline

Date What Happens
January 1 Valuation date. Your property's value is assessed as of this date.
April 15 Deadline for business personal property renditions (not residential).
April 1 / May 1, or as soon thereafter as practicable Statutory notice timing: residence-homestead notices are generally due by April 1 and notices for other covered property by May 1, or as soon thereafter as practicable. Individual notices may be mailed later.
May 15 Standard protest deadline, OR 30 days after your notice is mailed, whichever is LATER.
May - July Most informal conferences and ARB hearings occur during this period, although hearings in larger or higher-volume counties can continue later.
October 1 or soon thereafter Tax bills are generally mailed.
January 31 of the following year Normal deadline to pay property taxes without penalty and interest, subject to weekend, holiday and late-bill rules.
February 1 Unpaid taxes generally become delinquent, subject to applicable exceptions.
Optional split-payment arrangement Where available and properly elected, one-half may be paid by November 30 and the remaining half by June 30.

Deadline dates for the 2026 protest cycle per Texas Tax Code and each county appraisal district's published schedule.

Critical note: the "whichever is later" rule

The deadline is May 15 OR 30 days after your notice is mailed, whichever is LATER. If BCAD mailed your notice on April 20, your personal deadline is May 20, not May 15. Always check the notice or mailing date and the protest deadline printed on your notice before you do anything else. Many homeowners miss their window because they assume the statewide date applies to them.

Reading this after the regular deadline?

As of this article's August 2026 publication date, the ordinary 2026 protest deadline has already passed for most properties. Texas law provides limited late-protest and correction remedies in certain circumstances. A late protest for good cause generally must be raised before the ARB approves the appraisal records. Other limited remedies can apply when a required notice was not received or when property was substantially over-appraised. If your deadline has passed, contact your appraisal district immediately rather than assuming you must wait until next year.

County-by-County Filing Information

Each county appraisal district runs its own portal and schedule. The good news is that all four counties in this area accept online protests, and the process is similar across them. Here is exactly where to file and who to call for each county.

Bexar County (BCAD)

  • Website: bcad.org
  • Online filing: Available through BCAD's e-file portal
  • Phone: (210) 242-2432
  • Address: 411 N. Frio St., San Antonio, TX 78207
  • Tip: BCAD allows standard protests to be filed through its Online Services Portal during the regular filing period. BCAD advises that late protests based on good cause, when still legally available, must be submitted using a physical protest form rather than electronically. Do not assume the online portal remains available after the regular deadline.

Kendall County (Kendall CAD)

  • Website: kendallad.org
  • Online filing: Available through Kendall CAD portal
  • Phone: (830) 249-8012
  • Address: 118 Market Ave, Boerne, TX 78006
  • Tip: Kendall County falls within the Comptroller's under-120,000 population category for the current protest form. Property owners using the state form should use Form 50-132-A and review Kendall CAD's current hearing procedures for available hearing and informal-conference options.

Comal County (Comal CAD)

  • Website: comalad.org
  • Online filing: Available through Comal CAD portal
  • Address: 900 S. Seguin Ave., New Braunfels, TX 78130
  • Phone: (830) 625-8597
  • Tip: Comal CAD states that informal meetings are offered approximately 30 minutes before the scheduled ARB hearing. Its online system also allows qualifying property owners to upload evidence, review the appraisal district's evidence and respond to settlement offers.

Bandera County (Bandera CAD)

  • Website: bancad.org
  • Online filing: Available through Bandera CAD portal
  • Phone: (830) 796-3039
  • Address: 1206 Main St, Bandera, TX 78003
  • Tip: Bandera CAD's 2026 procedures allow property owners to submit protests and evidence through its online portal, by mail, by email or in person. Bandera County falls within the Comptroller's under-120,000 population category, so property owners using the state form should use Form 50-132-A.

Step 1: Receive Your Notice of Appraised Value

Your Notice of Appraised Value provides the appraisal district's proposed values, identifying information and your protest deadline. It may also contain credentials used for the district's online system. If you did not receive or have lost the notice, you can still look up your property record and current value through your appraisal district's property-search system, but online-filing credentials such as a PIN may not be publicly available. Do not let a missing notice or missing online credentials cause you to miss the protest deadline; Texas law allows a protest to be filed without using an appraisal district's online portal.

Before you file anything, check the details on the notice for accuracy:

  • Property description: Is the square footage correct? Is the bedroom and bath count right?
  • Lot size: Does the recorded lot size match your survey?
  • Year built: Is it accurate?
  • Condition rating: Does the district's condition rating reflect the actual state of the home?

Common errors that inflate value include wrong square footage, an incorrect year built, an overlooked condition issue, and failing to account for renovations that have not actually been completed. If the district's data is wrong, that is your strongest and easiest argument, because factual errors are hard for the district to defend.

Step 2: Decide Your Grounds for Protest

Texas Tax Code §41.41 authorizes protests for numerous appraisal-district actions. For homeowners challenging the valuation itself, the two most common grounds are incorrect appraised or market value and unequal appraisal.

Ground 1: Appraised or Market Value Is Incorrect - Texas Tax Code §41.41(a)(1)

This ground challenges the appraisal district's determination of your property's value. For a typical residential market-value protest, the central question is whether the district's market value exceeds what the property would have sold for on the open market as of January 1. The legal definition of market value generally contemplates a willing buyer and willing seller, neither under compulsion and both having reasonable knowledge of the relevant facts. Comparable sales close to the January 1 valuation date can be especially useful evidence.

Ground 2: Unequal Appraisal - Texas Tax Code §41.41(a)(2)

This ground challenges whether your property has been appraised consistently with comparable properties. A single neighbor with a lower appraised value does not automatically establish unequal appraisal. One statutory method examines whether your property's appraised value exceeds the median appraised value of a reasonable number of comparable properties, appropriately adjusted. The analysis therefore requires genuinely comparable properties and consideration of relevant differences rather than a simple comparison with one neighboring home.

Section 23.01 provides the general appraisal standard, while Section 41.43 contains important evidentiary and burden-of-proof rules governing protest hearings.

Preserve the Grounds That Apply

For a typical residential value protest, select the option covering incorrect appraised or market value and unequal appraisal. The current Comptroller protest form combines those concepts in a single checkbox, although individual appraisal-district online systems may display them differently. Review every available protest ground and select all that genuinely apply to your situation. Failure to identify an applicable protest ground can affect what you are able to pursue later.

For 2026, the Texas Comptroller publishes different protest forms based on county population:

  • Bexar County - Form 50-132
  • Comal County - Form 50-132
  • Kendall County - Form 50-132-A
  • Bandera County - Form 50-132-A

Form 50-132-A is the Property Owner's Notice of Protest for counties with populations under 120,000.

The Golden Rule: Request the District's Hearing Evidence

After filing your protest, affirmatively request the information the appraisal district intends to use at the ARB hearing. Depending on the appraisal district, this request may be made through its online system or another permitted method. Do not assume that filing the protest itself automatically constitutes a request for the district's hearing evidence.

Do not skip this. Texas Tax Code §41.461 requires the chief appraiser, at least 14 days before the ARB hearing, to notify you that you may request copies of the data, schedules, formulas and other information the appraisal district intends to introduce at the hearing. Request that information as early as possible. The appraisal district may not charge the property owner or designated agent for copies provided under this section. Texas law also restricts the district from introducing requested evidence that was not made available as required before the hearing. Reviewing the district's evidence in advance lets you identify weaknesses in its comparable properties, adjustments and assumptions before you appear before the ARB.

Having the district's evidence in advance allows you to examine the specific properties it relied upon and determine whether they are genuinely comparable. Check differences involving location, lot size, age, condition, construction quality, pools, views, outbuildings, renovations and other characteristics that can materially affect value. Online real-estate websites can help research property characteristics, but verified sales information and the appraisal district's own evidence generally provide a stronger foundation than automated estimates or unverified online values.

A close-up of a hand with a pen checking protest grounds boxes on an official tax protest form next to reading glasses and a calculator

Step 3: Build Your Evidence Packet

This is the most important step. The strength of your evidence is the single biggest predictor of a favorable outcome. A well-documented packet gives the appraiser and the ARB an easy path to rule in your favor; a thin packet gives them every reason to uphold the value.

Comparable Sales (Your Strongest Tool)

Comparable sales, or "comps," are recent sales of similar properties near yours. A small number of genuinely comparable sales is usually more useful than a long list of weak ones. Look for verified closed-sale information from reliable sources such as the appraisal district's evidence, professionally prepared MLS-based comparable data, your own closing documents or a recent appraisal. Online real-estate websites can help identify potential comparables and property characteristics, but verify the actual transaction data before relying on it as evidence. Look for properties that are:

  • Similar in size, age, and condition
  • In the same neighborhood or a genuinely comparable area
  • Sold within 6 to 12 months of January 1

Present them as a summary sheet showing each comp's address, sale price, sale date, square footage, and how it compares to your property. Here is a sample layout you can copy:

Sample Comparable Sales Summary Sheet

Comp Address Sale Price Sale Date Sq Ft Beds / Baths Notes / Comparison
123 Live Oak, Boerne $405,000 Nov 2025 2,150 3 / 2 Similar, renovated
88 Pecan, Boerne $392,000 Sep 2025 2,100 3 / 2 Similar, updated
45 Cypress, Fair Oaks $388,000 Jul 2025 2,080 3 / 2 Similar, original
Your property 2,100 3 / 2 Appraised $425,000; requested value ~$390,000

Illustrative example for demonstration only. Use real sales from your area and adjust for differences in condition, lot size, and features.

A key tip: the CAD's own appraiser will use comps too. Your job is to show that the comps they used are less relevant than the ones you found, either because they are older, farther away, or in materially different condition.

Property Condition Documentation

If your property has issues that drag its value down, document them thoroughly:

  • Photos of every issue: cracked foundation, leaky roof, outdated HVAC, damaged flooring, deferred maintenance, foundation settling
  • Contractor repair estimates (get 2 to 3 written estimates for major issues)
  • Inspection reports if you have had a recent home inspection

Photographs are most persuasive when you can establish that the documented condition existed on January 1, the valuation date. Date-stamped photographs are useful, but later photographs can also be helpful when accompanied by inspection reports, contractor statements or other evidence establishing that the condition existed on January 1.

A homeowner photographing foundation cracks with a smartphone to document condition issues for a property tax protest

Evidence That Is Especially Useful in the Hill Country

If you purchased the property close to January 1, documents showing the actual arm's-length purchase price may be highly relevant evidence of market value.

If a home was under construction or undergoing a major renovation on January 1, document its actual condition and degree of completion on that date. Improvements completed later in the year should not be treated as though they existed in completed form on January 1.

For acreage properties, also determine whether the dispute involves agricultural, wildlife-management or another special appraisal. A denial or modification of special appraisal is a separate protest ground and should not be treated solely as a conventional residential market-value dispute.

Finally, distinguish verified closed-sale information from online estimates. Automated estimates and listing websites can help identify potential comparable properties, but verified transaction data, the appraisal district's own evidence, closing documents and professionally prepared comparable-market data generally make a stronger evidentiary record.

The District's Own Data

Request your property's appraisal record from the CAD. Then check it line by line: Did they get the square footage right? The year built? The lot size? The condition rating? If their data is wrong, that is your strongest argument, because factual errors are hard for the district to defend.

Market-Value Evidence and Unequal-Appraisal Evidence Are Different

A market-value protest focuses primarily on what the property would have sold for on January 1, so verified comparable sales are particularly important.

An unequal-appraisal protest asks a different question: whether your property has been appraised consistently with comparable properties. One statutory method examines whether your property's appraised value exceeds the median appraised value of a reasonable number of comparable properties, appropriately adjusted. Do not simply compare percentage increases from last year. Instead, compare current appraisal data for genuinely similar properties and account for meaningful differences in size, age, condition, land, location and improvements.

Prior-year values can alert you that something deserves investigation, but a large year-over-year increase by itself does not prove that the current appraisal is excessive or unequal.

Step 4: File Your Protest

You can obtain the applicable protest form from the Texas Comptroller or your appraisal district. For 2026, Bexar and Comal property owners using the state form use Form 50-132, while Kendall and Bandera property owners use Form 50-132-A. Texas law does not require you to use the Comptroller's model form; a sufficient written notice identifying the property, the property owner and the subject of the owner's dissatisfaction can preserve the protest. Follow your appraisal district's current filing instructions.

  • Online filing: Follow your appraisal district's portal instructions and use whatever owner identification or credentials that district requires. Select the applicable protest grounds and complete the final submission step before the deadline. Save the confirmation showing that the protest was successfully filed.
  • By mail: Send the applicable protest form, Form 50-132 or Form 50-132-A, or another legally sufficient written protest to your appraisal district. Keep proof of timely mailing.
  • In person: Visit your CAD office during business hours.

After filing, you will receive information concerning your protest and ARB hearing. You may request an informal conference with the appraisal district to attempt to resolve the dispute before the formal ARB hearing. The timing and format of the informal process vary by appraisal district.

A homeowner filing a property tax protest online on a laptop at a kitchen table with tax documents and a coffee mug nearby

Quick-Glance Hearing Checklist

Before you walk into your informal meeting or log onto your video hearing, ensure your physical or digital folder contains these 5 essential items:

  1. Your Notice and Property Identification: Bring your Notice of Appraised Value if you have it and make sure you know the property's appraisal-district account or property ID. An online-portal PIN is generally a filing/login credential, not evidence you need to present at the hearing.
  2. The CAD Evidence Packet: Review the data, schedules, formulas, comparable properties and other information the appraisal district intends to introduce. Mark the specific assumptions, adjustments or comparable properties you intend to challenge.
  3. Your Top 3 Comps: A single summary sheet displaying price-per-square-foot comparisons, emphasizing proximity and matching build years.
  4. The "Bad News" Photos: Printed or high-resolution close-ups highlighting your home's flaws (cracked tile, old roofs, structural shifts) rather than its beauty.
  5. Signed Contractor Bids: Itemized estimates can document the extent and cost of deferred maintenance or damage that existed as of January 1. Repair cost is useful evidence, but it does not automatically translate into an equal dollar-for-dollar reduction in market value. Explain how the condition would affect what a knowledgeable buyer would pay for the property.

Step 5: The Informal Conference - An Opportunity to Resolve the Protest Early

An informal conference gives you and an appraisal-district representative an opportunity to discuss the property and your evidence before the formal ARB hearing. If an agreement is reached and properly accepted, the protest can be resolved without an ARB hearing. Procedures differ among appraisal districts, so follow the instructions provided with your protest and hearing notice.

What to bring or prepare:

  • Copy of your Notice of Appraised Value, if you have it; otherwise, bring or know the property's appraisal-district account number or property ID.
  • Your comparable sales summary (3 to 5 comps with adjustments)
  • Photos of condition issues
  • Contractor repair estimates
  • A one-page summary of your argument

Tips for the meeting itself:

  • Be polite, factual, and concise
  • Lead with your strongest evidence, usually comps or factual errors in the district's data
  • Do not be afraid to name your target value. Appraisers expect negotiation
  • If the appraiser counters with their own comps, listen carefully and respond with data, not emotion
  • If you reach agreement, the appraiser documents the settlement and it becomes binding
A homeowner reviewing printed documents and comparable sales sheets at a table while preparing for an informal property tax hearing

Step 6: The ARB Formal Hearing (If the Informal Doesn't Settle)

If you and the appraiser cannot agree, your protest moves to a formal proceeding before the Appraisal Review Board (ARB) or an ARB panel. The ARB is a separate body from the appraisal office. Its locally appointed members hear evidence from both the property owner and the appraisal district and decide the protest. Panel structure can vary, and applicable procedures may provide a single-member-panel option.

Here is what to expect:

  • You present your case within the time allowed by the applicable ARB hearing procedures.
  • The CAD appraiser presents their case
  • The ARB panel asks questions

After considering the evidence, the ARB issues its determination. Local practices concerning when a preliminary or verbal result is provided can vary. The legally important document is the written ARB order. Post-ARB appeal deadlines generally run from the owner's receipt of that written order, not from a verbal announcement at the hearing.

The hearing is more formal than the informal meeting. You may bring an agent or representative, but you do not need one. ARB hearings are generally open to the public. Texas law permits a hearing to be closed in specified circumstances, including on joint motion of the property owner and chief appraiser when proprietary or confidential information will be presented. You may request an evening or Saturday hearing if needed [17].

Tips:

  • Bring multiple copies of your evidence: one for each ARB member, one for the CAD appraiser, and one for yourself
  • Stick to the facts. The ARB panel has heard hundreds of cases
  • Be respectful of the process and the panel's time
  • If you disagree with the ARB's decision, one or more additional review options may be available, including regular binding arbitration, district court or, for qualifying properties and issues, the State Office of Administrative Hearings (SOAH).

Step 7: What Happens After the ARB Rules

If the ARB reduces the protested value, the appraisal records are corrected for the current tax year. Your tax bill is then calculated from the resulting taxable value for each taxing unit after applicable appraisal limitations and exemptions. A market-value reduction that remains above a lower capped appraised value may therefore produce no current-year reduction in taxable value or taxes.

If you disagree with the ARB's written order, additional review may be available:

  • Regular binding arbitration (RBA): Available for qualifying market-value, appraised-value and unequal-appraisal disputes. Residence homesteads can qualify regardless of value; other qualifying property generally must have an ARB value of $5 million or less. The request generally must be filed within 60 days after receiving the ARB order, and a deposit is required.
  • State district court: A property owner may seek judicial review of an appealable ARB order by filing within the applicable statutory deadline, generally 60 days after receiving notice of the final order.
  • State Office of Administrative Hearings (SOAH): Certain real or personal property valued above $1 million may qualify for this alternative. Different filing and deposit deadlines apply.

A property owner pursuing further review generally must also timely pay the portion of the property taxes that is not in dispute before the delinquency date. Because post-ARB review involves procedural and jurisdictional requirements, carefully review the Comptroller's current instructions or consult appropriate professional counsel before proceeding.

Understanding Your Total Tax Rate

Your appraisal district determines property value, but it does not set the tax rates that ultimately determine your bill. Cities, counties, school districts and special districts adopt their own tax rates.

There is no single "Bexar County rate," "Kendall County rate" or "Comal County rate" that accurately describes every homeowner's total tax burden. A property's bill can include a county, city, school district and one or more special districts, and exemptions can differ among those taxing units.

Your appraisal protest challenges the property's value; it does not challenge the tax rates adopted by those taxing units. To see the taxing jurisdictions, proposed rates and estimated taxes that apply to a specific property, use the Texas property-tax transparency system at Texas.gov/PropertyTaxes or follow the property-tax transparency link provided by your appraisal district.

Important: Some Hill Country properties, including properties in newer developments, are subject to special-district taxes such as a Municipal Utility District (MUD), Emergency Services District (ESD), Water Control and Improvement District (WCID) or another special district. Applicability is property-specific; not every property in Comal or Kendall County is in a MUD or ESD. Check the taxing units shown for the specific property at Texas.gov/PropertyTaxes and on the tax bill rather than assuming a special-district rate applies based on the county or subdivision alone [21].

The Homestead Cap Catch: Why a Reduction Doesn't Always Equal Immediate Savings

If the property you are protesting is your primary residence and carries a Texas Homestead Exemption, you must understand the difference between Market Value and Appraised (Capped) Value (Texas Tax Code §23.23).

Once the residence-homestead limitation applies, the home's appraised value is generally limited to the lesser of its market value or the statutory capped calculation based on the prior year's appraised value, the 10% annual limitation and the value of qualifying new improvements. The 10% homestead limitation applies to appraised value, not to the appraisal district's determination of market value. Market value itself is not subject to the 10% limitation and must reflect the property's January 1 market value under Texas appraisal law.

This creates a scenario where your Market Value might be $500,000, but your Capped Appraised Value is only $420,000. Your property-tax liability is ultimately calculated using taxable value, which begins with the applicable appraised value and reflects exemptions available from each taxing unit. Therefore, market value, appraised value and taxable value can all be different numbers.

The Trap: If you protest your market value and get it reduced from $500,000 to $450,000, you have obtained a market-value reduction. But because $450,000 is still above the $420,000 capped appraised value, that reduction does not reduce the value used to calculate taxable value in this example and therefore produces no current-year tax savings from the protest. The final tax bill can still change for other reasons, including changes in adopted tax rates or exemptions.

The Strategy: For a market-value reduction to produce immediate savings on a capped homestead, the reduced market value generally must fall below the capped appraised value so that the protest actually reduces the value used to calculate taxable value. Exemptions and the taxing units applicable to the property can also affect the ultimate savings.

A reduction in market value that remains above the capped appraised value may produce no immediate tax savings and does not, by itself, change the statutory 10% calculation applied to the prior year's capped appraised value. A lower market value can still become important if market value later falls below the capped calculation, but homeowners should not assume that every successful market-value reduction automatically slows future cap increases.

2026 Non-Homestead Circuit Breaker

For the 2026 tax year, Texas Tax Code §23.231 provides a temporary "circuit breaker" limitation for qualifying real property that is not a residence homestead and has a market value of $5.32 million or less. Subject to statutory exclusions, the appraised value is generally limited to the lesser of market value or the prior year's appraised value plus 20% and the value of new improvements. Under current law, this temporary limitation expires December 31, 2026. Owners of rental, investment and other non-homestead real property therefore should determine whether §23.231 applies before assuming their appraised value can rise to full market value in a single year.

Tips for Success

  1. File early. Do not wait until the deadline. Filing early protects against portal problems, mailing delays and missing information and gives you more time to prepare your evidence. It does not necessarily guarantee an earlier hearing date.
  2. Check the district's data first. If they got your square footage, year built, or condition wrong, that is your easiest win.
  3. Use the comps the district didn't use. Find sales they overlooked or that are more comparable to your property.
  4. Document everything. Photos, estimates, receipts. The more evidence you have, the stronger your case.
  5. Be specific about your target value. Do not just say "it's too high." Name the number you believe is fair and explain why.
  6. Stay calm and factual. Emotions do not move appraisers or ARB panels. Data does.
  7. Consider professional representation if your property is high-value or complex. Attorneys and registered property-tax consultants may handle property-tax matters for owners. If you hire someone, verify the person's qualifications, scope of representation and fee structure before signing an agreement.
A homeowner organizing property tax protest documents into a folder at a kitchen table with a stack of papers and a calculator

Frequently Asked Questions

Do I need to have received my Notice of Appraised Value to file a protest?

No. You can file a protest even if you have not yet received your notice. BCAD has confirmed that property owners do not need to have received a notice in the mail in order to protest [1].

What is the deadline to file my protest?

The ordinary deadline is May 15 or 30 days after the appraisal district mails your Notice of Appraised Value, whichever is later. Check the protest deadline shown on your notice and, if necessary, confirm it with the appraisal district [3][11].

Can I file my protest online?

Yes, all four appraisal districts offer online protest filing during the ordinary protest period for eligible properties, subject to their individual portal requirements. Do not assume online filing remains available after the regular deadline. If you lack the required online credentials or are pursuing a permitted late protest, check the appraisal district's current alternative filing procedures.

What happens if I miss the deadline?

If you miss the ordinary protest deadline, you generally lose the ordinary right to protest for that tax year, but Texas law provides limited late-protest and correction remedies in specified circumstances. These can include a good-cause late protest filed before the ARB approves the appraisal records, failure to receive a required notice, and certain substantial-overappraisal corrections. Separate deadlines and conditions apply, including tax-payment requirements for some remedies. Do not rely on these exceptions; contact the appraisal district promptly if the ordinary deadline has passed [3][11].

What is the difference between an informal hearing and an ARB hearing?

An informal conference is an opportunity to discuss your protest directly with appraisal-district staff and potentially resolve the dispute before the formal hearing. Procedures vary by district. The ARB hearing is the formal proceeding before the Appraisal Review Board or an ARB panel, a body separate from the appraisal office that considers evidence from both sides and issues a determination [11][12].

What evidence do I need to bring?

The evidence depends on your protest ground. For a market-value protest, useful evidence can include verified comparable sales, property-condition photographs, inspection reports, repair estimates, closing documents and evidence correcting errors in the district's property record. For an unequal-appraisal protest, comparable appraisal data and appropriate adjustments are particularly important. A concise written summary of your position and requested value is also helpful [11][22].

How long does the entire process take?

Timing varies substantially by county, filing volume and whether the protest settles informally. ARB hearings generally occur during the spring and summer, but higher-volume appraisal districts can continue hearings later. Your appraisal district's hearing notice controls your specific schedule.

Can I hire someone to protest for me?

Yes. Texas law permits property owners to designate an authorized representative for property-tax matters, subject to applicable requirements. If you use a property-tax consultant, verify the consultant's registration and credentials with the Texas Department of Licensing and Regulation and understand the fee arrangement before signing.

What if the ARB rules against me?

If you disagree with the ARB's written order, additional review may be available. Depending on the property and issue, options can include regular binding arbitration, state district court or the State Office of Administrative Hearings (SOAH). Different eligibility requirements, filing deadlines, deposits and tax-payment requirements apply, so review the current Comptroller guidance immediately after receiving the ARB order [10][11][15].

Does protesting affect my exemptions?

Filing a value protest does not by itself cancel a valid homestead or other exemption. Exemptions and appraisal protests are separate determinations, however, and exemptions have their own eligibility requirements and procedures. Always verify that the exemptions shown on your property record are correct.

Should I protest every year, even if the increase is small?

Review your appraisal every year, but protest when you have a factual or evidentiary basis to do so. Check the district's property characteristics, your market value, comparable sales, comparable appraisals, applicable exemptions and appraisal limitations. A protest that produces no reduction in taxable value may produce no immediate tax savings, particularly on a capped homestead.

Related Reading

If you found this guide useful, these related articles go deeper into the topics that connect to your property tax picture:


Important: This article provides general educational information about the Texas property-tax process and is not legal, tax or appraisal advice. Deadlines, forms and local procedures can change. Verify current requirements with the Texas Comptroller and the appraisal district handling your property.

Sources

  1. Bexar Central Appraisal District. bcad.org
  2. Texas Tax Code §41.41, "Right of Protest."
  3. Texas Tax Code §41.44, "Notice of Protest."
  4. Texas Tax Code §41.43, "Protest of Determination of Value or Inequality of Appraisal."
  5. Texas Tax Code §23.01, "Appraisals Generally."
  6. Texas Tax Code §23.23, "Limitation on Appraised Value of Residence Homestead."
  7. Texas Tax Code §23.231, "Circuit Breaker Limitation on Appraised Value of Real Property Other Than Residence Homestead."
  8. Texas Tax Code §41.461, "Notice of Certain Matters Before Hearing; Delivery of Requested Information."
  9. Texas Tax Code §41.46–41.47, Appraisal Review Board hearings and determinations.
  10. Texas Tax Code §41A.01, "Right of Appeal by Property Owner."
  11. Texas Comptroller of Public Accounts, "Appraisal Protests and Appeals." comptroller.texas.gov/taxes/property-tax/protests/
  12. Texas Comptroller of Public Accounts, "Appraisal Review Boards." comptroller.texas.gov/taxes/property-tax/arb/
  13. Texas Comptroller of Public Accounts, "Property Tax Forms." comptroller.texas.gov/taxes/property-tax/forms/
  14. Texas Comptroller of Public Accounts, "Paying Your Taxes." comptroller.texas.gov/taxes/property-tax/pay/
  15. Texas Comptroller of Public Accounts, "Regular Binding Arbitration." comptroller.texas.gov/taxes/property-tax/arbitration/
  16. Texas Comptroller of Public Accounts, "Valuing Property." comptroller.texas.gov/taxes/property-tax/valuing-property.php
  17. Texas Tax Code Chapter 41. statutes.capitol.texas.gov/GetStatute.aspx?Code=TX&Value=41
  18. Kendall Appraisal District. kendallad.org
  19. Comal Appraisal District, Protest Information. comalad.org/protest-information/
  20. Bandera County Appraisal District. bancad.org
  21. Texas Property Tax Transparency. texas.gov/propertytaxes
  22. Texas A&M Real Estate Research Center, "Building a Strong Case for Your Property Appraisal Protest," April 30, 2026. trerc.tamu.edu/blog/how-texans-can-protest-their-property-tax-appraisal/
  23. Bexar Central Appraisal District, "2026 Protest Deadline is May 15," May 11, 2026. bcad.org/news-2026-protest-deadline-is-may-15/

Last verified: August 7, 2026


Published August 7, 2026

Updated August 7, 2026

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