Short answer: Your 2026 Montgomery County property tax bill depends on the exact home, not just its city or asking price. Taxing units can include the county, school district, city, hospital district, college district, and a MUD or other special district. As an illustration, a $400,000 taxable home could mean roughly $495 to $637 per month for selected common tax components in Conroe ISD or Willis ISD, before any parcel-specific city, emergency-service, or special-district taxes and before exemptions. Your actual bill may differ.
If you’re looking at Willis TX homes for sale, Conroe TX homes for sale, or New Caney TX homes for sale, don’t rely on a countywide average or a number from a nearby listing. The property’s taxing jurisdictions are what count. Here’s how to estimate the monthly impact, where to verify the rates, and what to check before you make an offer.
Rate snapshot: This article uses tax year 2026 figures available from the Montgomery County Tax Office as of October 19, 2026. Rates and estimates are not a quote for any particular property. Confirm the parcel’s current details with official sources before budgeting.
How to estimate your monthly Montgomery County property taxes
The basic estimate is:
Annual property tax = taxable value × combined tax rate ÷ 100
Tax rates are stated per $100 of taxable value. To get an approximate monthly amount for budgeting, divide the estimated annual tax by 12. That monthly figure is a planning estimate; your lender’s escrow payment and the timing of your actual tax bill may work differently.
The taxable value is also not automatically the home’s list price or purchase price. The Montgomery Central Appraisal District (MCAD) explains that taxable property is valued at market value as of January 1, subject to applicable exemptions and other rules.
A worked example: what might $400,000 look like per month?
The following illustrations combine the 2026 rates shown by the Montgomery County Tax Office for the county, hospital district, Lone Star College System, and the relevant school district. They’re not parcel-specific totals: a home may have different taxing units, a city rate, a MUD, an emergency-service district, exemptions, or other adjustments.
| Illustrative location and school district | Selected 2026 rates combined | Estimated annual tax on $400,000 taxable value | Approx. monthly equivalent |
|---|---|---|---|
| Willis ISD area | 1.5374% | $6,150 | $512 |
| Conroe ISD area, outside City of Conroe | 1.4847% | $5,939 | $495 |
| Conroe ISD area, inside City of Conroe | 1.9119% | $7,648 | $637 |
| New Caney ISD area | 1.7769% | $7,108 | $592 |
For example, the City of Conroe’s adopted 2026 rate is $0.4272 per $100. In this illustration, including that city rate adds about $142 per month on a $400,000 taxable value. But the city rate applies only when the property is within the city’s taxing boundaries. An address that says “Conroe” does not, by itself, establish whether city taxes apply.
Why Willis, Conroe, and New Caney tax estimates can differ
Living in Willis TX
For homes in the Willis ISD area, the official county table lists the 2026 Willis ISD rate at $0.9998 per $100. That is one part of the bill, not the whole bill. A city tax may apply to some properties, and special districts vary by parcel. When you’re comparing living in Willis TX with other areas, check the tax record for each address, not just the city name.
Conroe homes and city limits
The 2026 Conroe ISD rate listed by the Tax Office is $0.9471 per $100. If a home is also within the City of Conroe, the city’s adopted rate may apply in addition to school and other applicable taxes. If you’re comparing Conroe TX homes for sale, ask for the parcel’s complete taxing-unit list so you can see whether a city rate or special district changes the estimate.
New Caney and district boundaries
The 2026 New Caney ISD rate listed by the Tax Office is $1.2393 per $100. Some properties may also fall within a municipal utility district (MUD) or another special district. Those boundaries can change from one neighborhood or parcel to the next, which is why a nearby home’s tax rate is not a dependable substitute.
Tomball and Lake Conroe homes: verify the property, not the label
For Tomball TX homes for sale, confirm whether a particular address is in Montgomery County and identify its actual school district and taxing units. “Tomball” can describe an area without telling you the county or complete tax jurisdiction.
The same caution applies to lake Conroe homes for sale. A lakeside location or community name doesn’t tell you whether a city, MUD, or other district applies. If a property’s location is part of the appeal, make its parcel-specific tax details part of your comparison too.
The MUD question: a key detail for new-home buyers
A municipal utility district, or MUD, may levy its own property tax to help fund infrastructure and services. It does not apply to every home in Montgomery County, and two nearby homes may have different taxing-unit combinations. Don’t assume a MUD rate from a neighborhood post, builder brochure, or neighboring listing applies to the property you’re considering.
Before you commit, look up the parcel in MCAD’s property search and review the applicable units and property details. Then compare those units with the adopted rates in the county’s tax-rate history. If the information is unclear, ask your lender, title company, or the appropriate tax office to help confirm the estimate.
Homestead exemptions and other ways a bill may change
If the home will be your principal residence, check whether you qualify for a residence homestead exemption. Exemptions can reduce taxable value, which may lower the tax owed. They are administered by MCAD, not the Tax Assessor-Collector, and you need to apply through the appraisal district. The county’s exemptions and tax deferral page links to further information.
Eligibility and tax treatment depend on the owner and property. Don’t subtract an exemption from your estimate unless you’ve confirmed that it applies. Also remember that an appraisal notice, an exemption decision, and a taxing unit’s adopted rate are separate pieces of the calculation.
A practical tax checklist before you make an offer
When you find a home you like, ask for its exact address or parcel account and:
- Check MCAD’s property record for the appraisal value, exemptions, and taxing-unit information.
- Confirm each 2026 adopted rate using the county’s Truth in Taxation rate table.
- Identify city and special-district taxes, including any MUD or emergency-service district that applies.
- Estimate monthly escrow by dividing your estimated annual tax by 12, then confirm the lender’s actual escrow calculation.
- Ask about exemptions you may qualify for and how to apply through MCAD.
Schools matter in the home search, too, but attendance boundaries are not determined by a property-tax rate. Willis-area properties may be served by Willis ISD; Conroe-area homes may be in Conroe ISD; and New Caney-area homes may be in New Caney ISD. Always verify the assigned school and attendance zone directly with the relevant district before you buy.
For more help getting organized, you can also review Nasir’s Texas home-buying tips.
FAQ: Montgomery County TX property taxes in 2026
How much are property taxes in Montgomery County, Texas, per month?
There is no single monthly amount for every home. It depends on taxable value, exemptions, and the combined rates of all taxing units on the parcel. As an illustration, selected 2026 rates applied to a $400,000 taxable value work out to about $495–$637 per month in the scenarios above, before unlisted parcel-specific taxes or exemptions.
What is the 2026 property tax rate in Conroe, Willis, or New Caney?
The rate is a combination, not one citywide figure. The Tax Office lists 2026 school-district rates of $0.9471 for Conroe ISD, $0.9998 for Willis ISD, and $1.2393 for New Caney ISD per $100 of taxable value. County, city, college, hospital, MUD, and other applicable rates may also affect the bill.
Does every home in Montgomery County have a MUD tax?
No. MUD taxes apply only when the parcel falls within that district. Check the property’s taxing-unit record rather than assuming a MUD rate applies to an entire city or neighborhood.
How do I look up property taxes for a specific home?
Start with the MCAD property search to identify the property and its tax information. Then use the Montgomery County Tax Office rate table to review adopted rates. Confirm the final estimate with the relevant tax authority or your closing professionals.
Do property taxes get paid monthly?
Property taxes are generally billed annually, but a mortgage lender may collect monthly escrow payments toward the bill. Dividing an annual estimate by 12 is a useful budgeting step, not a guarantee of your lender’s exact monthly escrow amount.
About Nasir Qureshi – Realtor Daddy | 2323 S. Voss Road, Suite 315-C, Houston, Texas 77057 | 281-857-2000
Buying a home is about more than the list price. Nasir Qureshi – Realtor Daddy helps buyers look at the full picture, including location, school boundaries, property details, and the costs that can shape your monthly budget. Connect with Nasir on LinkedIn, watch local real estate videos on YouTube, or find the Google Business Profile on Google Maps.
Nasir Qureshi – Realtor Daddy
2323 S. Voss Road, Suite 315-C
Houston, Texas 77057
Phone: 281-857-2000
Looking at Willis TX homes for sale, Conroe TX homes for sale, or New Caney TX homes for sale? Call 281-857-2000 and let’s make sure the monthly numbers, and the home, make sense for you.
Tax rates and estimates are snapshots for informational purposes, not tax, legal, or lending advice. Rates, taxable values, exemptions, and parcel boundaries can change. Verify current figures with MCAD, the Montgomery County Tax Office, and your lender.
