Property Tax & HOA Fees in Garland, TX (2025 Cost Guide)

By Thomas Greer | Published: June 3, 2025

What You’ll Pay in Property Taxes in Garland

As a homeowner in Garland, Texas, it’s important to understand the property tax rates you can expect to pay. In 2025, the typical property tax rate in Garland is around 1.8% of your home’s assessed value annually. This rate is slightly higher than the state average for Texas but still lower than many other parts of the country.

For example, if you own a home valued at $250,000, your annual property tax bill would be approximately $4,500 per year or $375 per month. Keep in mind that your actual tax bill may vary depending on any exemptions, abatements, or special assessments that apply to your property. It’s always a good idea to check with the Dallas County Tax Office for the most up-to-date information on your specific property.

In general, property taxes in Texas are used to fund a variety of local services, including public schools, city and county government operations, and infrastructure maintenance. While no one enjoys paying taxes, it’s important to remember that these funds help keep Garland a safe, attractive, and well-maintained place to live.

How HOA Fees Work in Garland

Couple sitting on front steps of suburban home in Garland, Texas at sunset — Owning a home in Garland often means balancing property taxes and HOA fees to enjoy comfortable suburban living and a strong community.

In addition to property taxes, many homes in Garland are also subject to HOA (Homeowners Association) fees. These fees are charged by the association to cover the costs of maintaining and improving common areas and amenities within the community.

Typical services and amenities covered by HOA fees in Garland include:

Landscaping and lawn care for common areas
Maintenance of community pools, playgrounds, and parks
Trash and recycling collection
Exterior maintenance of buildings (in some cases)
Management and enforcement of community rules and regulations

It’s important to carefully review the specific services and amenities included in your HOA fees, as these can vary significantly from one community to another. In some cases, HOA fees may also cover utilities like water or cable TV, so be sure to ask about this when considering a particular property.

Typical Monthly HOA Costs

The amount you can expect to pay in monthly HOA fees will depend on the specific community you live in and the amenities and services provided. In Garland, typical HOA fees range from around $50 to $300 per month.

Type of Community	Typical Monthly HOA Fee
Basic/low-amenity neighborhood	$50 – $100
Average suburban development	$100 – $200
Luxury or amenity-rich community	$200 – $300+
Example: $295k home with 1.8% tax + $150 HOA	$592 per month

As you can see, living in a community with more extensive amenities and services will generally come with higher monthly HOA costs. However, these fees can provide good value for many homeowners, especially those who make frequent use of community facilities.

🏆 Winner: For the most cost-effective option, look for neighborhoods with lower-tier amenities and reasonable HOA fees in the $50 – $100 range. This will help keep your monthly housing costs manageable while still providing basic services and maintained common areas.

Hidden or Seasonal Fees to Expect

In addition to your regular monthly HOA fees, there are a few other costs that Garland homeowners should be aware of:

Special assessments: In some cases, your HOA may need to charge an additional fee to cover unexpected expenses or major repairs/upgrades. These are typically billed separately from your regular dues.
Parking permits: Some communities require residents to purchase parking permits for themselves or guests. These usually range from $25 – $100 per year.
Pet registration: If you have dogs, cats, or other pets, your HOA may require you to register them and pay a small annual fee (often $25 – $50 per pet).
Late payment penalties: Be sure to pay your HOA fees on time to avoid late charges, which can add up quickly. Typical penalties are around $25 – $50 per late payment.

While these extra costs can add up, staying on top of them and budgeting accordingly can help you avoid unpleasant surprises down the line. If you’re unsure about any potential hidden fees in your community, don’t hesitate to ask your HOA board or property management company for clarification.

Are These Costs Worth It?

For many Garland residents, paying property taxes and HOA fees is simply a fact of life when it comes to homeownership. But are these costs really worth it in the end?

On the plus side, living in a community with an HOA can provide a number of benefits, including:

Well-maintained common areas and amenities that enhance your quality of life
Consistent enforcement of community standards, which helps protect property values
Convenient services like trash collection and landscaping that save you time and hassle

Of course, there are also some potential downsides to consider:

HOA fees can add significantly to your monthly housing costs
Strict rules and regulations may limit your freedom to customize your property
Disagreements with neighbors or the HOA board can sometimes lead to conflict

Ultimately, whether or not the costs of property taxes and HOA fees are worthwhile for you will depend on your individual priorities and preferences. However, it’s worth noting that in Garland, homes located in well-managed HOA communities often retain their value better over time and can be more attractive to future buyers.

FAQs About Property Tax and HOA in Garland

How much is the average HOA fee in Garland?
The average HOA fee in Garland is around $150 per month, but this can vary widely depending on the specific community and amenities offered. Fees can range from $50 on the low end to $300+ for luxury developments.

Can my HOA fees increase over time?
Yes, HOA fees can increase over time to keep up with inflation, rising maintenance costs, and other factors. However, any fee increases must be approved by the HOA board and are typically capped at a certain percentage per year.

Do I have to pay both property taxes and HOA fees?
Yes, if you own a home in Garland that is located within an HOA community, you will typically be responsible for paying both property taxes to the county and HOA fees to your community association. These are separate expenses that must be budgeted for accordingly.

Final Cost Insights for Garland Homeowners

As you can see, property taxes and HOA fees are important costs to consider when owning a home in Garland. While the typical property tax rate of 1.8% is higher than some other parts of Texas, it’s still quite reasonable compared to many other major metro areas. And with average HOA fees of around $150 per month, the costs of maintaining a home in a well-managed community are often offset by the benefits and convenience provided.

Of course, every homeowner’s situation is unique, and it’s important to carefully review all of the potential costs and fees associated with any property before making a purchase. Be sure to factor in not only the monthly expenses but also any hidden or seasonal fees that may pop up from time to time.

By taking the time to understand the full scope of housing costs in Garland and budgeting accordingly, you can ensure a smoother and more predictable homeownership experience for years to come. And if you’re considering a move to another nearby city, be sure to explore their typical property tax rates and HOA fees as well to see how they compare.