Could You Save Hundreds on Property Taxes? If Voters Approve This November

If you're a homeowner or small business owner in Northwest Houston, chances are you've felt the pressure of rising property taxes. The good news? Relief could be on the horizon. This November, Texans will vote on three constitutional amendments that could bring significant property tax savings—especially for seniors, disabled homeowners, and small business owners.

Here’s what you need to know about the proposals, how they might affect your tax bill, and what it means for your future.

What’s On the Ballot?

The Texas Legislature passed three bills in June 2025, each tied to a constitutional amendment that requires voter approval on November 4, 2025. If passed, they would:

1. Raise the statewide homestead exemption from $100,000 to $140,000 for public school taxes. (Senate Bill 4)

2. Grant seniors and people with disabilities an additional $200,000 exemption for school taxes. (Senate Bill 23)

3. Increase the business personal property exemption from $2,500 to $125,000. (House Bill 9)

   
   

If approved, these changes would be permanent fixtures in the Texas Constitution, offering long-term tax relief to those who qualify.

How Homeowners in Northwest Houston Could Benefit

Let’s put this in perspective. The average Texas homeowner could save around $484 a year, and for seniors or people with disabilities, that savings could be nearly $950 annually, according to estimates from Sen. Paul Bettencourt (R-Houston).

For residents in communities like Cypress, Magnolia, Montgomery, and The Woodlands, these exemptions could help counteract steadily increasing property appraisals and offer more stability in your monthly escrow payments.

If your home’s taxable value is under $140,000—true for many homeowners in certain school districts—you may not owe school district property taxes at all under the new exemption.

Relief for Local Business Owners

Small business owners in Tomball, Jersey Village, and beyond have often voiced frustration with personal property taxes on equipment, vehicles, or office furnishings. Currently, only property valued under $2,500 is exempt.

Under HB 9, that threshold would jump to $125,000, which could mean a savings of up to $2,500 annually for many. For solo operators, start-ups, and family-run businesses, this isn't just a perk—it’s potentially game-changing.

What’s the Catch?

Like most policy changes, there are pros and cons. These exemptions apply only to school district taxes, which make up the bulk of your tax bill—but not the entire amount. Cities, counties, hospital districts, and utility districts are unaffected.

Additionally, while the state has pledged $10 billion to ensure school districts don’t lose funding, there’s some skepticism about whether this is sustainable long-term—especially if Texas experiences a downturn and its surplus shrinks.

Another point of concern: renters won’t benefit directly. While it’s possible landlords could pass on some savings, there's no legal requirement to do so.

What You Should Do Now

If you’re a homeowner or business owner in Northwest Houston, now’s the time to:

• Review your current property tax exemptions.

• Check your voter registration and mark your calendar for November 4, 2025.

• Talk to your tax advisor or real estate agent to understand how these changes could impact your finances or home value.

And if you're currently renting or considering buying, these proposals could change the landscape of home affordability moving forward.

Understand before Voting

These proposals aren’t just numbers on a page—they could shape your financial future. Whether you're a retiree in Montgomery, a growing family in Cypress, or a small business owner in Tomball, understanding what’s on the ballot empowers you to vote with clarity and purpose.

Understanding how these proposed tax exemptions could affect your bottom line is crucial. If you’re wondering how much you could save—or how this could shift the market—reach out today. Let’s talk through how these potential changes may impact your real estate goals before they hit the ballot box.

Contact me for a local perspective that helps you make the most informed move.