Buying a home in Grayson County, Texas
What to check before you buy in Sherman, Denison & Grayson County: flood maps, windstorm insurance, property taxes and special districts, schools, and which records HouseDirt looks up for you here. Every figure on this page comes from a public record named under Sources.
Free report for any Grayson County address. No sign-up.
- Checks automated here
- 15 of 29
- Grayson County tax rate (2025)
- $0.3051
- MUDs taxing in the county
- 8
- Windstorm (TWIA) area
- No
Who keeps the records
- Appraisal district (value, exemptions, protests): www.graysonappraisal.org, 903-893-9673
- Tax assessor-collector (tax bills, unpaid taxes, tax certificates): www.co.grayson.tx.us, 903-892-8297
- Texas Comptroller county directory for Grayson County
Property taxes and special districts
A Texas home pays tax to several bodies at once: the county, usually a city, a school district and often special districts. Rates are per $100 of taxable value, as reported to the Texas Comptroller for 2025. Your bill depends on which of these overlap the lot, which a HouseDirt report works out for the exact address.
8 municipal utility districts (MUDs) and 10 water, utility, improvement and similar districts in all reported a 2025 tax rate in Grayson County. The median MUD rate was $1.00 and the highest $1.20 per $100. A MUD or PID can add a large share to a tax bill; see how MUD and PID taxes work.
City tax rates (2025)
| City | Rate per $100 |
|---|---|
| City of Bells | $0.60 |
| City of Collinsville | $0.5911 |
| City of Denison | $0.712 |
| City of Gunter | $0.5256 |
| City of Howe | $0.4845 |
| City of Knollwood | $0.4421 |
| City of Pilot Point | $0.605 |
| City of Pottsboro | $0.5444 |
| City of Sherman | $0.508 |
| City of Southmayd | $0.6255 |
| City of Tioga | $0.4932 |
| City of Tom Bean | $0.5886 |
| City of Van Alstyne | $0.5537 |
| City of Whitesboro | $0.5858 |
| City of Whitewright | $0.4967 |
Cities that extend into this county and reported a rate to the Comptroller. Outside city limits, no city tax applies.
School districts
| District | 2025 rate per $100 | TEA rating |
|---|---|---|
| Bells ISD | $1.1363 | A |
| Collinsville ISD | $1.1352 | B |
| Denison ISD | $1.155 | C |
| Gunter ISD | $1.1872 | B |
| Howe ISD | $1.234 | C |
| Pilot Point ISD | $0.9382 | C |
| Pottsboro ISD | $0.9344 | A |
| S and S CISD | $1.007 | C |
| Sherman ISD | $1.2342 | C |
| Tioga ISD | $1.2269 | A |
| Tom Bean ISD | $0.9239 | B |
| Trenton ISD | $1.2072 | B |
| Van Alstyne ISD | $1.1748 | B |
| Whitesboro ISD | $1.1312 | C |
| Whitewright ISD | $0.9781 | B |
The district rating is the Texas Education Agency's latest A–F accountability rating on TXschools.gov. School district taxes on a homestead are figured after the $140,000 homestead exemption. Attendance zones change; confirm the zoned campus with the district.
Flood risk
Every HouseDirt report checks the address against FEMA's National Flood Hazard Layer and FEMA's flood insurance claim history for the area. What the FEMA zones mean.
Newer or local flood maps also checked here: FEMA estimated flood maps. These can show risk the effective FEMA map doesn't yet.
Windstorm and hurricanes
Grayson County is outside the Texas coastal windstorm (TWIA) area. Reports here still include hail history from NOAA storm reports.
What a HouseDirt report covers in Grayson County
15 checks are automated and 4 partly automated. For the rest, the report names the office to ask and the question to ask it.
| Check | Here | Notes |
|---|---|---|
| Property record | Automated | |
| Flood zone (FEMA official map) | Automated | |
| Flood history (FEMA flood insurance records) | Automated | |
| Windstorm insurance, hurricanes & storm surge | Not yet | |
| Permits & renovation history | Link and what to ask | City records: we name the city or county office to ask. |
| Code violations | Link and what to ask | City records: we name the city or county office to ask. |
| Property taxes & special districts | Automated | |
| Unpaid property taxes | Link and what to ask | Names and links the county tax office. |
| Title & liens | Link and what to ask | Links the County Clerk's records; deed and lien records are searched by owner name. |
| HOA / property owners association | Partly automated | Found from the parcel's subdivision name; rural tracts without one get a question to ask. |
| Soil & foundation risk (USDA) | Automated | |
| Natural hazards & contamination | Automated | |
| Zoning, lot restrictions & nearby development | Partly automated | Automated in Sherman; elsewhere we name who to ask. |
| Schools | Partly automated | District and its state rating are automated; zoned campuses are the district's nearest, to confirm. |
| Home internet (FCC broadband availability) | Automated | |
| Reported crime nearby | Link and what to ask | City records: we name the city or county office to ask. |
| Water, sewer, septic & lead pipes | Automated | |
| Aquifer & watershed rules | Automated | |
| Historic district & landmarks | Automated | |
| What you can build on this lot | Link and what to ask | Names who sets the zoning and lot rules. |
| Age-related risks & radon | Partly automated | Era risks need the year built from the parcel record. |
| Foreclosure notices | Link and what to ask | Links the county's posted foreclosure notices. |
| Appraised value & square-footage history | Automated | Appraisal district value history, from its property page. |
| Road, rail & aircraft noise | Automated | |
| Major construction nearby | Automated | |
| Short-term rentals nearby | Not yet | |
| Hail history | Automated | |
| Walkability & transit | Automated | |
| Sex offender registry | Link and what to ask | Links the state sex-offender registry search for this address. |
From the county profile that is live now; it updates with every release. See coverage for all 254 counties.
Common questions
- What is the Grayson County property tax rate?
- Grayson County's own rate for 2025 was $0.3051 per $100 of taxable value (Texas Comptroller). A home's total rate adds the city, school district and any special districts, so check the exact address.
- Are there MUDs in Grayson County?
- 8 municipal utility districts reported a 2025 tax rate in Grayson County to the Texas Comptroller.
- Is Grayson County in the TWIA windstorm area?
- No. Grayson County is outside TWIA's catastrophe area.
- Where do I check unpaid property taxes in Grayson County?
- The Grayson County tax assessor-collector (www.co.grayson.tx.us) holds tax balances and issues tax certificates. A HouseDirt report shows what it can look up for the address.
Sources
- Texas Comptroller, 2025 property tax rates and levies
- Texas Comptroller county directory
- Texas Education Agency, TXschools.gov ratings
- FEMA National Flood Hazard Layer
- Texas Windstorm Insurance Association