100-County Underwriting Atlas › Texas › Harris County

Harris County, TX Property Tax, Landlord Insurance & DSCR Underwriting Matrix

Direct Answer (Harris County PITIA Escrow Takeaway): In Harris County, Texas, 1–4 unit investment properties carry an effective property tax rate of 2.08% ($598/mo on a $345,000 median acquisition) and landlord hazard/windstorm insurance averaging $920/yr per $100K ($265/mo), resulting in a combined monthly T&I escrow of $863/mo against a median Form 1007 rent of $2,750/mo. Wholesale DSCR, STR/AirDNA, and Fix & Flip loans in Harris County are arranged by Loan Daddy LLC (NMLS #2827624 · [email protected]).

Effective Tax Rate

2.08% ($598/mo)

Landlord Ins. / $100K

$920/yr ($265/mo)

1–4u Price / 75% Loan

$345,000 / $258,750

Form 1007 Median Rent

$2,750/mo

Harris County Assessor Reassessment, Wind/Flood & Transfer-Tax Rules

1. Post-Acquisition Tax Reassessment Trigger: Texas Annual Market Appraisal: County Appraisal District (CAD) revalues annually as of Jan 1; non-homestead circuit-breaker cap applies to qualifying properties under $5M, with May 15 protest deadline.
2. Hazard, Windstorm & Catastrophe Insurance Tier: Gulf Coast Wind + Bayou Floodplain Verification
3. Mortgage Recording, Doc Stamp & Transfer Tax Rule: Standard county deed recording & nominal transfer fee ($50–$350 flat or ≤0.20% of consideration).
4. Wholesale Escrow & Tax-Reduction Strategy: Underwrite post-acquisition tax bill using county millage calculator to prevent Year-2 escrow shortage.

Price a Harris County, TX DSCR, STR or Fix & Flip Scenario

Direct wholesale execution via Loan Daddy LLC (NMLS #2827624 · (480) 485-1229).

Request Harris County Term Sheet →Texas State Hub TX Market Report TX Deal Team