2026 property taxes in The Cottages Phase 1
The median home in The Cottages Phase 1 (ZIP 75009) rose by 3.3% for the 2026 tax year across 114 homes.
Median per-parcel year-over-year change across homes that appeared on the appraisal roll in both years. If your notice shows an increase well above the typical home in your area, that gap is the basis for an equal-and-uniform protest.
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See how your assessment changed, and how your home compares with your neighborhood, ZIP code, city, and county.
2026 assessment snapshot for The Cottages Phase 1
That's the typical home in The Cottages Phase 1. What about yours?
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Compare my home2025 property tax rates in The Cottages Phase 1
The most recent adopted rates from every taxing unit that covers The Cottages Phase 1 in Collin County. Bills built from these 2025 rates were due January 31, 2026.
| Taxing unit | 2025 rate |
|---|---|
| Collin County | 0.15% |
| Collin College | 0.08% |
| Celina City | 0.58% |
| Celina ISD | 1.21% |
Rates are set by the county, city, school district, and any special districts; they can't be changed. What you can protest is the assessed value they get multiplied against.
These medians cover single-family homes. Condos and townhomes in The Cottages Phase 1 pay the same jurisdictional rates and typically have lower assessed values.
2025 adopted rates, sourced from Collin County, Collin College, Celina City, Celina ISD. These are estimates for illustration; your bill depends on your exemptions and any special districts.
How The Cottages Phase 1 compares to ZIP 75009 and Collin County
| Metric | The Cottages Phase 1 | ZIP 75009 | Collin County |
|---|---|---|---|
| Median 2026 assessment | $492,427 | $537,000 | $476,125 |
| YoY change | +3.3% | -1.1% | -1.6% |
| Protest rate 2025 | 45.6% | 37.5% | 28.0% |
Other ZIP 75009 neighborhoods with 2026 property tax reports
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Questions about The Cottages Phase 1 property taxes
What is the median assessment in The Cottages Phase 1 for 2026?
The median 2026 assessed value in The Cottages Phase 1 (CCAD neighborhood S12815) is $492,427, up 3.3% from $476,909 in 2025.
How does The Cottages Phase 1 compare to the rest of ZIP 75009?
The Cottages Phase 1's median of $492,427 is 8.3% below the ZIP 75009 median of $537,000.
What is the property tax rate in The Cottages Phase 1?
The combined property tax rate in The Cottages Phase 1 was 2.02% of assessed value per $100 for the 2025 tax year (Celina City / Celina ISD), the most recent adopted rates on file. Bills built from these rates were due January 31, 2026.
Do these figures include condos and townhomes?
No. These figures cover single-family homes in The Cottages Phase 1. Condos and townhomes sit inside the same taxing jurisdictions and pay the same rates; they typically carry lower assessed values, so the dollar amount owed is usually lower even though the rate itself is identical.
How we calculate the year-over-year change. Real estate values are heavily right-skewed: most homes move within a narrow band each year while a handful jump due to reassessments, renovations, or cap resets. An arithmetic average gets pulled by those few large moves and overstates what the typical homeowner saw. We report the median instead, which reflects the middle home in the area. This matches industry convention (Zillow, Redfin, FHFA, Case-Shiller, the Texas Comptroller) and tells you what to expect for a home like yours.
How to read these figures. These are area-wide medians, not a prediction for any single home. Appraisal districts do not apply one flat percentage across the board. Each home is valued on its own characteristics using standard appraisal methods, so your notice can move differently from the numbers here. Treat this as a starting point for whether a protest is worth a closer look, not an estimate of your own value.