Taxes in Georgetown
Texas has no state personal income tax -- a statewide fact, not Georgetown-specific -- and Georgetown's combined sales tax rate is 8.25% (6.25% state plus 2% local), the maximum allowed under Texas law. Property tax is where the real state-and-local tax weight lands for a Georgetown household, and sources genuinely disagree on the precise effective rate depending on which zip code, taxing entities, and methodology are used.
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Learn moreNo State Income Tax (Briefly Restated)
Texas is one of a small number of states with no state personal income tax, a structural fact that applies statewide and is not Georgetown-specific. It is the single largest driver of Georgetown's overall tax competitiveness relative to income-tax states, and applies fully to retirement income as well (see the retiring topic page).
Georgetown's Combined Sales Tax Rate
The combined sales tax rate in Georgetown is 8.25% as of 2026 (6.25% Texas state rate plus 2% local add-ons), per multiple sales-tax rate aggregators reviewed August 2026 -- the statutory ceiling for any Texas jurisdiction, matching the rate in Austin, Round Rock, and most major Texas cities rather than an unusual outlier.
Property Tax: A Real Spread by Source and Zip Code
Per this site's Georgetown base record, a Williamson County-wide blended estimate puts the effective rate around 1.61%. A separate, Georgetown-specific analysis (Ownwell, reviewed August 2026) cites a lower median effective rate of 1.55% for the city itself (a median $6,189 annual bill on a $398,600 home) -- but that citywide figure masks real zip-code variation: 78628 carries a median effective rate of 1.56% (bills as high as $7,678), while 78633 runs notably lower at 0.98% (bills as low as $4,636), a difference driven mainly by differing school-district levies and special assessment districts. Broader Williamson County figures cited elsewhere run higher still, 1.9%-2.4%, depending on the exact combination of overlapping taxing entities and whether a property sits in a MUD. The City of Georgetown's own proposed FY2026 tax rate is 35.30 cents per $100 valuation, down from 36.47 cents in FY2025 -- one layer of a much larger combined bill, not the whole picture. Confirm your specific parcel's combined rate with the Williamson County Tax Office before budgeting precisely.
Homestead and Over-65 Exemptions
Texas's statewide school-district homestead exemption and its additional exemption and tax-ceiling protection for homeowners 65 or older apply fully in Georgetown -- a genuinely relevant detail given the city's large Sun City retirement population (see the retiring topic page for how this factors into a retirement-specific decision). Texas also caps annual appraised-value growth for homesteaded properties at 10% per year, a real protection for longtime owners during periods of rapid local appreciation.
Key takeaways
- No Texas state income tax -- applies statewide, but the single biggest driver of overall tax competitiveness for a Georgetown household.
- Georgetown's combined sales tax rate is 8.25% -- the statutory maximum under Texas law, matching Austin and most major Texas cities.
- Property tax rates genuinely disagree by source: a Williamson County-wide blended estimate of 1.61% vs. a Georgetown-specific 1.55% median (Ownwell) that itself varies from 0.98% (zip 78633) to 1.56% (zip 78628) -- confirm your specific parcel with the county.
- Texas's statewide homestead exemption, 10% appraisal cap, and over-65 exemption/tax-ceiling protections all apply fully in Georgetown -- genuinely relevant given the city's large retirement-age population.
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