Taxes & Insurance in Garland

Garland sits entirely within Dallas County, so one county's tax structure applies citywide -- simpler than Richardson's split-county situation. A precise, independently confirmed Garland-specific combined millage rate was not found this session, but county-level rate data and real DFW hail-driven insurance cost data are well documented.

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Dallas County property tax: an adopted rate, and disagreeing combined-effective estimates

Dallas County's Commissioners Court adopted a county-only ad valorem tax rate of $0.2155 per $100 of assessed valuation for Fiscal Year 2026 (Tax Year 2025) -- made up of a $0.208765 maintenance-and-operations rate and a $0.006735 debt-service rate (Dallas County, retrieved 2026-08-22). That figure is the county's own levy only; it does not include the city, Garland ISD, or special-district levies that make up a homeowner's full bill. Estimates for the FULL combined effective rate (all taxing entities) disagreed across sources this session: approximately 1.85%, 1.68%, and 1.58% were each cited independently, against a Texas statewide average of roughly 1.63% -- Dallas County lands roughly at-to-above the state average depending on which estimate is used, but no single precise Garland-specific combined millage was independently confirmed this session (see the base record's own null effectivePropertyTaxRate for the same reason). Verify a specific parcel's actual combined rate directly with the Dallas Central Appraisal District.

No Texas state income tax

As with every Texas city in this dataset, Garland residents pay no state income tax -- a statewide, not Garland-specific, factor.

Homeowners insurance: a disclosed gap between statewide and city-level figures

The Texas Department of Insurance's official statewide average premium for 2024 filings was $3,291/year, with 2026 projections from other sources running $3,900-$4,529/year -- Texas homeowners insurance premiums rose more than 55% between 2019 and 2024, among the fastest increases in the country (TDI, retrieved 2026-08-22). Garland-specific marketing-site quotes ran notably lower this session -- roughly $299/month (about $3,588/year) from one source, with $200K-dwelling coverage averaging $2,596/year and $400K coverage averaging $4,354/year from another, and a low-end 'cheapest available' figure of $1,867/year from a third. These lower city-specific figures likely reflect promotional or minimum-coverage starting-rate quotes rather than a true citywide average; weight the TDI's statewide figure more heavily and treat the city-specific numbers as directional only.

Hail and wind, not hurricanes, are the real local cost driver

Garland's insurance cost pressure comes from Texas's documented status as the nation's hail-damage leader, not from coastal/hurricane risk. Texas led the country with 902 major hail events in 2025 (Insurance Information Institute) and accounted for roughly 16.7% of all U.S. hail events from 2023-2025 (NOAA-derived), concentrated in a corridor running from the Panhandle through North Texas and DFW specifically. Garland sits inside that corridor, seeing dozens of significant hail events yearly, including a 2019 storm that dropped baseball-sized hail across the area and caused hundreds of millions of dollars in metro-wide damage (insurance-marketing aggregation, retrieved 2026-08-22). Many insurers now write wind/hail deductibles as a percentage of dwelling coverage rather than a flat dollar figure -- on a $300,000 policy, a 2% wind/hail deductible means $6,000 out of pocket before coverage applies, a real budgeting consideration distinct from a flat few-hundred-dollar deductible.

Key takeaways

Dallas County's FY2026 county-only tax rate is $0.2155/$100; combined effective-rate estimates (all taxing entities) disagreed across sources at roughly 1.58%-1.85%, with no single precise Garland-specific combined millage independently confirmed this session -- verify with the Dallas Central Appraisal District for a specific parcel.
No Texas state income tax applies.
Texas Department of Insurance's official statewide average homeowners premium is $3,291/year (2024 data, with 2026 projections of $3,900-$4,529); Garland-specific marketing quotes ran notably lower ($1,867-$4,354/year), a gap likely reflecting promotional starting rates rather than a true average.
Texas led the nation with 902 major hail events in 2025 and ~16.7% of all U.S. hail events 2023-2025, concentrated in a corridor through DFW including Garland -- the real driver of rising local premiums, not hurricane or coastal-flood risk. Wind/hail deductibles are increasingly a percentage of dwelling coverage (e.g., $6,000 on a $300K policy at 2%) rather than a flat dollar amount.

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Last reviewed: 2026-08-22. Independent research; not financial, tax, or legal advice -- confirm current figures with a local professional before making a decision.