How to File a Property Tax Protest in San Antonio, Texas
- The Zachary Team
- Jul 9
- 4 min read
A Step-by-Step Guide from Your Local Experts
Property tax bills in Texas have always been a hot topic, but this year we’re hearing more homeowners than ever ask the same question: Why did my property’s assessed value go up so much?! If you’re a San Antonio homeowner, chances are your mailbox brought some sticker shock recently. And you’re not alone.
As Realtors deeply involved in our community, Kristina and I (Gabriel) see firsthand how rising property assessments affect our clients, not only when they’re buying or selling, but simply trying to stay in their homes. So we put together this guide to help you understand when and how to file a property tax protest in Bexar County (or anywhere in San Antonio or Texas) and possibly save thousands on your annual property taxes.
Why Protest Your Property Taxes?
Let’s be clear, your county’s assessed value doesn’t always reflect your home’s actual market value. The county uses mass appraisal methods that sometimes miss unique property factors. And while the assessed value plays only a small role when pricing your home for sale (buyers care more about comparable sales), it absolutely matters when it comes to how much you owe in property taxes.
Protesting your property’s assessed value can make sense if:
Your property assessment increased significantly from last year.
Your home’s market value is lower than the assessed value.
There are damages, needed repairs, or unique characteristics not reflected in the appraisal.
You believe the assessed value is too high
This isn’t just about saving money this year, it’s about keeping your future tax burden under control.
Two Ways to File: DIY or Hire a Pro
Do-It-Yourself
The good news? Protesting your property taxes is easier than most people think, and it costs nothing but your time. Follow these steps:
Gather Evidence
Take photos of needed repairs or unique property features.
Get recent comparable sales data from a Realtor (we’d be happy to provide a complimentary CMA).
Collect repair estimates, insurance claims, or any documentation showing your home’s value may be lower than assessed.
Submit Your Protest
File online via the Bexar Appraisal District website.
Or complete the Property Owner’s Notice of Protest form (Form 50-132) and mail or deliver it to the appraisal district.
Attend Your Hearing
You can request an informal meeting before your formal hearing.
Present your evidence calmly and clearly.
Hire a Property Tax Consultant
Prefer to save time? Companies like Gill Denson & Associates can handle the protest for you. They typically charge a percentage of the savings they secure and only get paid if they bring your tax down, but remember, they’re using the same process you could do yourself.
What to Expect After Filing
Once filed, you’ll receive a notice for your hearing date. At the hearing, you’ll have the opportunity to present your case. Possible outcomes include:
A reduction in your assessed value
No change to the assessment
Or in rare cases, an increase (but this is uncommon)
Stay proactive by responding promptly to any requests for additional information from the appraisal district.
Our Advice as Your Local Realtors
We’ve helped dozens of clients navigate property tax concerns and seen substantial savings. While a property tax protest isn’t always successful, it’s worth trying, especially if your assessed value jumped significantly.
PRO TIP
Even if you’re not selling your home anytime soon, take the time to check your assessment as well as your home value every year. And if you need a Comparative Market Analysis (CMA), get on our list to get quarterly automated market reports or property value, or expert advice to strengthen your case.
Give us a call. We’re happy to provide these as part of our commitment to serving our community.
Final Thoughts
Filing a property tax protest might feel intimidating, but as San Antonio Realtors, we believe empowering homeowners with knowledge is part of our job. Whether you handle the process yourself or hire a professional, it’s worth exploring your options.
Remember: Every dollar saved on your tax bill is money you can reinvest in your home, your family, or your future.
Your Go-To Resource for San Antonio Living
We know that owning a home involves more than just paying the mortgage or taxes. Whether you have questions about your property’s value, need a complimentary CMA, need recommendations for contractors, handymen, or service providers, or if you have questions about home maintenance, real estate investments, or financial education, we are here to help!
Stay Connected & Spread the Word!
We hope you enjoy your home to the fullest!
Gabriel & Kristina Zachary
The Zachary Team | REALTORS®
📞 210-504-5301
👥 @thezacharyteam
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