What a White Settlement home costs each year
Property tax, water, trash and energy from public rates. Look up your address to make it yours, and see how to pay less.
Suggestions as you type come from Google; the lookup uses free public map services to find who serves it. Not stored unless you save your house.
Starts at the typical market value, $187,100; your assessed value is often lower. Typical use.
- Property tax$2,423
2.380% of $187,100, less $140,000 school homestead exemption and less $37,420 city of white settlement homestead exemption and less $37,420 homestead exemption (20%) for tarrant county and tarrant county hospital and less $1,871 tarrant county college homestead exemption
- Electricity and gas$3,327
1096 kWh a month $2,112 · 42.2 therms $1,215
- Water and sewer$1,023
4,000 gallons a month on City of White Settlement: water $35, sewer $44, stormwater fee (residential) $7 a month
- Trash$228
Residential service, $19 a month
- Home insurance$2,397
Typical premium $2,397
Shopping for home insurance?
Insurers charge very different prices for the same house and coverage. Texas's free HelpInsure.com comparison lists each insurer's price.
Compare insurers' pricesA White Settlement house at the typical market value ($187,100) costs about $9,400 a year: $2,420 property tax and charges, $1,020 water and sewer, $230 trash, $3,330 electricity and gas, $2,400 home insurance. Estimated from public rates, not anyone's actual bill.
Rates checked Oct 28, 2026. Insurance: what you enter, or a typical premium until you do. Sources are listed at the bottom.
Ways to pay less
Nothing here applies to every house automatically. These are worth checking:
Seniors 65+ or disabled: extra school exemption$60,000 off school taxable value
School districts must give owners 65 or older or disabled an additional $60,000 homestead exemption on top of the $140,000 general one.
How: File the residence homestead exemption application (Form 50-114) with the appraisal district.
Disabled veterans rated 100%Total exemption
A disabled veteran awarded 100 percent disability compensation for a service-connected disability, and rated 100 percent disabled or individually unemployable, gets a total property tax exemption on the homestead.
How: The application is Form 50-114. Exemption applications are filed with the appraisal district in your county.
Homestead cap: appraised value rises at most 10% a year
Once you have qualified your home for homestead exemptions in the prior and current year, its appraised value may not increase more than 10 percent per year (plus new improvements).
Money dates
- Feb 1in 89 daysPenalty and interest begin to accrue on taxes for the preceding year. Penalty begins at 6% and increases monthly to a maximum of 12% in July; interest is 1% per month.
- Apr 30General deadline to file exemption applications: before May 1.
- May 15Usual deadline to protest your appraised value (or 30 days after the notice is mailed, if later).
- Jul 1Delinquent accounts for the current year are turned over to the tax attorneys, and a collection penalty of 15% of the unpaid balance is added.
Who serves this house
- Water
- City of White Settlement
- Residential water, 2025-26 column: a 3/4" base rate that includes 2,000 gallons, then a rate for each block of gallons used
- Property tax
- 2.38% of value
- 2026 tax year, Tarrant County
- Garbage
- Frontier Waste Solutions
- Trash and recycling collected weekly on your service day
- Sewer
- City of White Settlement
- Charge set by a winter quarter average of water use
- Gas
- Atmos Energy, Mid-Tex Division
- White Settlement is listed among the cities served by Atmos Mid-Tex
- Schools
- White Settlement ISD
- 2026 rate $1.1528 per $100
Your water
- Source
- The City of White Settlement purchases water from the City of Fort Worth.
Other TX cities
Austin home costsCollege Station home costsCorpus Christi home costsDenton home costsLeague City home costsPflugerville home costsSan Marcos home costsThe Colony home costsEl Paso home costsSchertz home costsBryan home costsLaredo home costsFate home costsKyle home costsBenbrook home costsManor home costsWichita Falls home costsBaytown home costsLago Vista home costsOdessa home costsMission home costsCopperas Cove home costsPrinceton home costsSeguin home costsGatesville home costsUvalde home costsRobinson home costsGranbury home costsLockhart home costsBuda home costs
How these numbers are made
- The City of White Settlement's rates page lists water, sewer, trash (with sales tax) and the stormwater fee together in one total bill; the stormwater fee is treated as monthly because the page's $75.28 total minimum bill only adds up with $6.62 included alongside the monthly base charges.
- Water and sewer use the city's 2025-26 residential column (the latest on its rates page), with the 5% franchise fee on water and sewer folded into each rate. Water: $22.46 base including 2,000 gallons, then $5.32, $6.65, $8.31 and $10.39 per 1,000 gallons. Sewer: $24.81 including 2,000 gallons, then $8.48 per 1,000 gallons up to 14,000 gallons. The page's $33.10 water average bill is before the 5% franchise fee, so this draft's typical bill is higher.
- The page's typical use is the city's 4,000-gallon average bill. Trash is $17.58 plus $1.45 sales tax; stormwater is $6.62.
- Property tax uses 2026 rates: City $0.762261, Tarrant County $0.186, Tarrant County Hospital district $0.159, Tarrant County College $0.12 and White Settlement ISD $1.1528 per $100, with the $140,000 school homestead exemption and the 20% city, county and hospital district homestead exemptions and the 1% Tarrant County College homestead exemption (all from Tarrant Appraisal District's 2026 rate sheet). Parts of the city lie in Castleberry ISD or Fort Worth ISD, which tax at different rates; White Settlement ISD is used because the city is named for it and is its main district. Tarrant Regional Water District is not applied because the city's own tax page does not list it.
- The starting value, $187,100, is the Census median value of owner-occupied homes (market value). Homestead appraisal growth is capped at 10% a year in Texas, so assessed values are often lower.
- Electricity uses the EIA Texas residential average because customers choose a retail provider; gas uses Atmos Mid-Tex Rate R (Oct 1, 2026) plus gas cost riders.
- Water, sewer, trash and stormwater use the 2025-26 column, the latest on the city's rates page; no adopted 2026-27 schedule was found.
- Nothing here is legal, tax or insurance advice.
How White Settlement compares
A typical White Settlement house against the 31 Texas cities we cover, using the same default numbers as the total above.
| Per year | White Settlement | Median | Where it falls |
|---|---|---|---|
| Property tax rate | 2.38% | 2.03% | higher than 27 of the other 30 Texas cities we cover |
| Water | $417 | $690 | lower than 25 of the other 30 Texas cities we cover |
| Sewer and utility-bill fees | $606 | $687 | lower than 20 of the other 30 Texas cities we cover |
| Trash | $228 | $276 | lower than 28 of the other 30 Texas cities we cover |
| Electricity and gas | $3,327 | $2,690 | higher than 22 of the other 30 Texas cities we cover |
| Home insurance | $2,397 | $2,397 | lower than 1 of the other 27 Texas cities we cover |
| Total | $9,398 | $11,060 | lower than 24 of the other 30 Texas cities we cover |
Cities bill differently (some put trash on the tax bill, some cover more services), so a higher number isn't necessarily worse. The property tax rate is compared instead of dollars because house values differ.
Questions to ask your candidates
Each one starts from a number above. Any candidate can answer them.
1. Property tax rate
The fact: White Settlement's property tax rate is 2.38%, higher than 27 of the other 30 Texas cities we cover. The rate adds up every agency on the bill, not only the city.
Ask: "Property tax in White Settlement is 2.38%, higher than 27 of the other 30 Texas cities we cover. What should that money pay for first, and would you change anything about how it is set?"
2. Water
The fact: Water here costs about $417 a year at typical use, lower than 25 of the other 30 Texas cities we cover.
Ask: "Water here costs about $417 a year at typical use, lower than 25 of the other 30 Texas cities we cover. What drives that cost, and would you change anything?"
3. Trash
The fact: Trash pickup here costs about $228 a year for the standard cart, lower than 28 of the other 30 Texas cities we cover. Where trash is billed through the tax bill or a separate hauler, it is not counted here.
Ask: "Trash pickup here costs about $228 a year for the standard cart, lower than 28 of the other 30 Texas cities we cover. What drives that cost, and would you change anything about the service or the price?"
Common questions about White Settlement house costs
What is the property tax rate in White Settlement?
About 2.38% of the value before exemptions a year (2026 tax year, Tarrant County), plus flat charges on the same bill.
How much is property tax on a $500,000 house in White Settlement?
About $9,173 a year on $500,000 of the value before exemptions with the school homestead exemption.
How much is the water bill in White Settlement?
About $85 a month for water and sewer at typical use (4,000 gallons a month) on City of White Settlement.
How much does trash pickup cost in White Settlement?
$19 a month for a house.
Can seniors lower their property tax or bills in White Settlement?
Yes. Seniors 65+ or disabled: extra school exemption: School districts must give owners 65 or older or disabled an additional $60,000 homestead exemption on top of the $140,000 general one.
How much does a house in White Settlement cost to run each year?
A White Settlement house at the typical market value ($187,100) costs about $9,400 a year: $2,420 property tax and charges, $1,020 water and sewer, $230 trash, $3,330 electricity and gas, $2,400 home insurance. Estimated from public rates, not anyone's actual bill.