Fort Bend County, TX Metro · Texas County Underwriting Brief

Fort Bend County, TX DSCR Property Tax, Windstorm & Transfer Tax Guide

In Fort Bend County, Texas (Fort Bend County, TX metro), 1–4 unit investment properties carry an average effective property tax rate of 2.12% and landlord hazard insurance averaging $890 per $100K of coverage. At a median 1–4 unit acquisition price of $395,000 and Form 1007 market rent of $3,050/mo, a 75% LTV DSCR loan models at 1.05x DSCR ($2,912/mo total PITIA).

Effective Property Tax

2.12%

Est. $698/mo at median

Landlord Ins / $100K

$890/yr

Est. $293/mo DP-3

Median 1–4 Unit Price

$395,000

75% LTV: $296,250

Modeled 75% LTV DSCR

1.05x

$3,050 rent / $2,912 PITIA

Fort Bend County Escrow & Closing-Cost Underwriting Rules

1. Post-Acquisition Tax Reassessment

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. Windstorm, Flood & Hazard Tier

SW Houston Metro Wind + MUD Tax District Check

3. Transfer & Mortgage Recording Taxes

Standard county deed recording & nominal transfer fee ($50–$350 flat or ≤0.20% of consideration).

4. CEMA / Doc-Stamp Optimization Strategy

Underwrite post-acquisition tax bill using county millage calculator to prevent Year-2 escrow shortage.