Behind on Property Taxes in McAllen, TX

Updated October 23, 2026 · Written by Brandon Wielenga, owner of River Capital LLC

If you're behind on property taxes in McAllen, Texas does something most states don't: the taxing units sue you first. A delinquent tax lawsuit isn't the end — it's the beginning of a process with real deadlines and real options. Understanding where you are in that process is the first step.

Your Options in McAllen

Pay before judgment — settling the delinquency before the court rules stops the case.
Payment agreement — taxing units will sometimes agree to terms; ask early.
Sell on the market — a sale before the tax auction pays the judgment from the proceeds.
Sell directly for cash — we handle tax judgments at closing routinely.
Redeem after the sale — Texas gives homesteads two years (180 days for non-homestead) to reclaim the property.

We'll map your timeline and lay out every option — straight, no pressure.

How Texas Tax Sales Work

After a court judgment for delinquent taxes, the property goes to public auction — usually the first Tuesday of the month at the Hidalgo County courthouse (Tax Code Chapter 34). After the sale, you can redeem: two years for a homestead or agricultural property, 180 days otherwise.

Redemption isn't cheap: you pay the purchaser's bid plus a 25% penalty (first year / first 90 days) or 50% (second year / second 90 days). And during the redemption period you can't live in or collect rent from the property. (General information, not legal advice — confirm with the Hidalgo County Tax Office. Key statute: Tax Code § 34.21.)

Why McAllen homeowners with tax debt call us

We buy houses with tax judgments regularly
Selling before the auction beats redeeming after — no 25–50% penalty
Cash offer in 24 hours, close in as little as 14 days
No fees, no commissions, no pressure

Discuss Your Options Or Get a Cash Offer

Common Questions

Back Taxes in McAllen — FAQs

I was served with a tax lawsuit. Is it too late?

No — you can still pay, negotiate, or sell before the court enters judgment and long before any auction.

What's the penalty if I redeem after the tax sale?

25% on top of the bid amount in the first year (90 days for non-homestead), 50% after that. Selling first avoids it entirely.

Can I stay in the house during the redemption period?

No — Texas gives the purchaser possession during redemption. Another reason to act before the sale.

Own a Problem Property in McAllen?

Let's talk it through. We'll give you a straight answer and a clear look at every option — no pressure, no obligation.