Cameron County Property Tax ProtestTexas

Rob HartleyRob Hartley·Updated February 25, 2026

Cameron County is located in the southernmost tip of Texas along the Gulf Coast and Mexican border, with Brownsville serving as the county seat. Major population centers include Brownsville, Harlingen, San Benito, Port Isabel, and the resort community of South Padre Island. Property tax protests are particularly important in Cameron County because homeowners face an effective property tax rate of 1.33%, which is significantly higher than the national median of 1.02%, though the median annual tax bill of $1,458 remains below the national median of $2,400 due to lower home values. With the median home value at $155,094, Cameron County residents benefit from protesting their assessments to ensure they're not overpaying—especially given that only 5-6% of property owners file protests annually, suggesting many may be missing opportunities for tax savings.

Notable cities: Brownsville, Harlingen, San Benito, Port Isabel, South Padre Island

Median Home

$155,094

Tax Rate

1.33%

Annual Tax

$1,458

Population

Approximately 421,000

2026 Protest Deadline: May 15, 2026, or 30 days after the notice is mailed, whichever is later

For 2026, the protest deadline is May 15 or 30 days from the date your Notice of Appraised Value was mailed by Cameron CAD, whichever date is later. Homestead properties receive notices by April 1, while other properties receive notices by May 1. If the deadline falls on a weekend or legal holiday, it extends to the next business day.

Property in Cameron County, Texas — local tax assessment and protest guide

How Cameron County Assesses Property

100%of market value

Assessed by: Cameron County Appraisal District (CCAD)

Assessment cycle: annual

Notices typically mailed: April-May (by April 1 for homesteads, May 1 for others)

In Texas, properties are assessed at 100% of their market value as of January 1st each year. If your home's market value is $155,000 (Cameron County's median), at Texas's 100% assessment ratio your assessed value would be $155,000. After applying any exemptions like the $100,000 homestead exemption for school taxes, your taxable value for school district purposes would be $55,000. At the county's effective rate of 1.33%, this would result in approximately $2,062 in annual taxes before the homestead exemption, or approximately $1,397 after the school district exemption.

The Protest Process

Appeals are heard by the Appraisal Review Board (ARB). ARB hearings in Cameron County typically last 15 minutes. The ARB panel hears evidence from both you and the appraisal district representative, asks questions, and makes a determination based on the evidence presented. You'll know the ARB's recommendation before leaving the hearing, with a final written order sent by certified mail afterward.

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Step 1: Review your Notice of Appraised Value received in April-May to confirm your property's market value, net appraised value, and taxable value. Gather evidence if you believe the assessed value is too high.

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Step 2: File your protest by May 15, 2026, or within 30 days of your notice mailing date (whichever is later) using Form 50-132 online, by mail, or in person. A written letter identifying your property and expressing dissatisfaction with the valuation is also acceptable.

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Step 3: Request an informal meeting with a Cameron CAD appraiser to discuss your concerns and present evidence such as comparable sales data, photos of property condition, or repair estimates. Many protests are resolved at this stage.

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Step 4: If the informal meeting doesn't resolve your protest, proceed to a formal hearing before the Appraisal Review Board (ARB). You'll receive at least 15 days' notice of your hearing date and time. Hearings typically last 15 minutes.

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Step 5: Attend your ARB hearing (in person, by phone/videoconference, or by notarized affidavit) and present your evidence. The ARB panel will make a decision, and you'll receive the recommendation before leaving. A final written order will be mailed by certified mail.

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Step 6: If dissatisfied with the ARB decision, you can appeal to district court, request binding arbitration (under limited circumstances), or appeal to the State Office of Administrative Hearings (SOAH) for Cameron County properties.

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Step 7: File your appeal within the required timeframe specified in the Property Taxpayer Remedies pamphlet—typically 60 days for district court or 45 days for binding arbitration from the date the ARB order is delivered.

Required form: Form 50-132 (Property Owner's Notice of Protest) or written letter of protest

Filing Methods

online:File through the Cameron CAD online portal at cameron.prodigycad.com using your property owner ID and PIN number from your Notice of Appraised Value
mail:Mail to Cameron Appraisal District, P.O. Box 1010, San Benito, TX 78586-1010
in-person:Deliver to Cameron Appraisal District office at 2021 Amistad Dr., San Benito, TX 78586-2657
email:Contact public@cameroncad.org for electronic submission options

Evidence to Bring

Comparable sales data from similar properties in your areaIndependent appraisal reportsPhotographs showing property condition or damageRepair estimates for needed maintenance or updatesDocumentation of property defects or issues affecting value

Cameron County Assessor Contact

Cameron County Appraisal District

Phone: (956) 399-9322

Address: 2021 Amistad Dr., San Benito, TX 78586-2657 (Mailing: P.O. Box 1010, San Benito, TX 78586-1010)

Website: https://www.cameroncad.org

Online Portal: https://cameron.prodigycad.com/property-search

Hours: Monday-Thursday: 7:30 AM - 5:30 PM, Friday: 8:00 AM - 5:00 PM

Tax Exemptions in Cameron County

General Residence Homestead Exemption

$100,000 for school district taxes (state-mandated); local taxing units may offer additional exemptions up to 20% of appraised value or minimum $5,000

Available to homeowners who use their property as their primary residence. The state-mandated school district exemption increased from $40,000 to $100,000 in 2023, providing significant tax relief.

Eligibility: Must own and occupy the property as your primary residence on January 1. Property must be in your name, and you cannot claim homestead exemption on another property.Deadline: April 30 (initial application); once granted, automatically renews annually unless circumstances change

Over-65 Exemption

Additional $10,000 for school districts (state-mandated); local taxing units may offer separate exemptions of at least $3,000. Also includes tax ceiling on school taxes.

Provides an additional exemption for homeowners 65 or older, plus a school tax ceiling that freezes school taxes at the amount paid when you qualified. The ceiling can only increase due to property improvements.

Eligibility: Must be 65 or older as of January 1 and qualify for the general homestead exemption. Tax ceiling transfers to new homestead within same taxing unit.Deadline: April 30 for the year you turn 65 or acquire the property

Disabled Person Exemption

Additional $10,000 for school districts; local taxing units may offer separate exemptions. Includes tax ceiling on school taxes.

Available to homeowners who meet Social Security Administration's definition of disabled. Provides similar benefits to Over-65 exemption, including a school tax ceiling.

Eligibility: Must be unable to engage in substantial gainful work due to physical or mental impairment lasting at least 12 months, as defined by federal disability insurance standards.Deadline: April 30

Disabled Veteran Exemption

Varies by disability rating: 10-29% = $5,000; 30-49% = $7,500; 50-69% = $10,000; 70-100% = $12,000; 100% disabled = full exemption on homestead

Partial or total exemption based on disability rating from the U.S. Department of Veterans Affairs or branch of armed services. 100% disabled veterans receive full exemption on residence homestead.

Eligibility: Must be a disabled veteran with a service-connected disability rating from VA or military service branch. 100% unemployable due to service-connected disability also qualifies for full exemption.Deadline: April 30

Surviving Spouse of Disabled Veteran

Same exemption amount the deceased veteran was receiving

Surviving spouses of disabled veterans may continue receiving the veteran's exemption if they meet eligibility requirements.

Eligibility: Must have been married to the veteran at time of death, property was veteran's residence homestead, and spouse has not remarried.Deadline: April 30

Official Resources

Cameron County Protest Statistics

Success Rate

48%

Avg Reduction

$2,035

% Who Protest

5-6%

Check Your Cameron County Assessment

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Frequently Asked Questions

What is the deadline to protest my property taxes in Cameron County for 2026?
The deadline to file your property tax protest in Cameron County is May 15, 2026, or 30 days from the date your Notice of Appraised Value was mailed by Cameron CAD, whichever date is later. Homestead properties typically receive notices by April 1, while other properties receive notices by May 1. If the deadline falls on a Saturday, Sunday, or legal holiday, it automatically extends to the next business day. Missing this deadline means you lose your opportunity to protest for the 2026 tax year, though late protests may be accepted in rare cases involving clerical errors or substantial mistakes.
How do I file a property tax protest online in Cameron County?
You can file your Cameron County property tax protest online through the Cameron CAD Public Portal at cameron.prodigycad.com/property-search. To access the system, you'll need your property owner ID and PIN number, which are printed on your Notice of Appraised Value. Once logged in, you can file your protest, upload supporting documents, and track your case status. The online system allows you to submit evidence such as comparable sales data, photos, and appraisal reports. After filing, you'll be scheduled for either an informal meeting with an appraiser or a formal ARB hearing, and you'll receive at least 15 days' notice of your hearing date.
What is the homestead exemption worth in Cameron County?
The homestead exemption in Cameron County provides substantial tax savings, particularly for school district taxes. The state-mandated school district homestead exemption is $100,000, which increased from $40,000 in November 2023 when voters approved Proposition 4. This means if your home is valued at $155,000 (the county median), you'll only pay school taxes on $55,000 of assessed value. For the average Cameron County homeowner, this exemption saves approximately $1,300 per year. Additional local taxing units may offer their own homestead exemptions of up to 20% of appraised value or a minimum of $5,000, providing even more savings on your total property tax bill.
What happens at an ARB hearing in Cameron County?
At a Cameron County ARB hearing, you'll present your case to an independent panel of Appraisal Review Board members appointed from across the county. The hearing typically lasts 15 minutes and follows a structured format: formal introductions, presentation of evidence by both you and the appraisal district representative, questions from the ARB panel, and a decision based on the evidence presented. You can attend in person at the Cameron CAD office, participate by phone or videoconference, or submit your evidence by notarized affidavit. You'll know the ARB's recommendation before leaving the hearing, though the final determination must be approved by a quorum of the full board before the written order is mailed to you by certified mail.
How much can I save by protesting my property taxes in Cameron County?
Cameron County property owners who successfully protest their taxes save an average of $2,035 per account, according to recent data. In 2023, property tax protests in Cameron County resulted in total savings of $24.06 million across all successful protests. The success rate for ARB appeals is approximately 48%, meaning nearly half of property owners who file protests achieve some level of tax reduction. Individual savings vary based on your property's assessed value, the evidence you present, and how much the value is reduced. Even small reductions can compound over time—protesting annually can have a cascading effect that protects your property value for years to come, especially with the 10% homestead cap on assessed value increases.
What evidence do I need for a Cameron County property tax protest?
To build a strong Cameron County property tax protest, you should gather comparable sales data showing similar properties in your area that sold for less than your assessed value. Include at least three to five comparable properties with similar square footage, lot size, age, and condition. If your property has defects or needs repairs, provide photographs documenting issues like foundation cracks, roof damage, outdated systems, or deferred maintenance, along with written repair estimates from licensed contractors. An independent appraisal from a licensed appraiser can be powerful evidence, though it's not required. You should also review the appraisal district's property record card for your home to identify any errors in square footage, number of rooms, or other characteristics that could inflate your value.
Can I still protest if I already paid my Cameron County property taxes?
Yes, you can absolutely file a property tax protest in Cameron County even if you've already paid your taxes. Your protest deadline remains May 15, 2026, or 30 days from your notice mailing date, regardless of whether you've paid. In fact, your taxes are due by January 31, 2026, and the protest deadline doesn't arrive until several months later. If your protest is successful and results in a reduced property valuation, you'll receive a corrected tax bill showing the lower amount owed. If you've already paid the full amount, the taxing units will issue a refund for the overpayment resulting from the appraisal roll change, ensuring you receive any money back that you're entitled to from the successful protest.
Do I need to protest my Cameron County property taxes every year?
Yes, you should consider protesting your Cameron County property taxes every year, even if you received a reduction in previous years. The ARB's decisions are binding only for the tax year in question, meaning each year's assessment is treated independently. Property values can increase annually, and the appraisal district may raise your assessed value even if market conditions or your property's condition haven't changed. In Cameron County, only 5-6% of property owners file protests, suggesting most homeowners miss opportunities for savings. If you have a homestead exemption, your taxable value is capped at a 10% increase annually, but your appraised market value can increase without limit—protesting each year creates a cascading effect that keeps your baseline value lower and protects you from larger increases over time.

For state-wide protest information including Texas's assessment ratio and deadlines, see our Texas Property Tax Protest Guide →

Considering professional help with your protest? Compare pricing, coverage, and pros/cons in our Best Property Tax Protest Services (2026) or browse side-by-side service comparisons →

More Texas Counties

Sources: https://www.cameroncad.org | https://www.ownwell.com/trends/texas/cameron-county | https://comptroller.texas.gov/taxes/property-tax/protests/ | https://www.poconnor.com/cameron-county/ | https://comptroller.texas.gov/taxes/property-tax/exemptions/

Last verified: 2026-02-25