Watcharu Finance

Texas auto loan calculator

Texas's state vehicle sales-tax rate is about 6.25% (cities and counties can add more). The calculator is preset for Texas.

$675.03 / month

Amount financed
$33,688
Sales tax
$2,188
Total interest
$6,814
Balance over MonthBalance ends near $0 at 60.$0$8k$17k$25k$34k01224364860Month

How it works

Texas taxes the price after the trade-in allowance. On a $35,000 car with a $10,000 trade-in, tax applies to $25,000 — about $1,563 instead of the $2,188 you'd owe with no trade. Sales or use tax is collected when the vehicle is titled and registered.

Texas has no state income tax, so schools and counties lean heavily on property tax, producing one of the highest effective rates in the nation — partly offset by a sizable homestead exemption. Hail and wind also make insurance expensive. Local add-on tax rates and documentation fees vary by dealer and county, so treat the preset rate as a starting point and confirm the exact figure on your paperwork.

Frequently asked questions

What is the car sales tax rate in Texas?
Texas's state vehicle sales/use tax rate is about 6.25%. On a $35,000 car that's about $2,188 before any local add-on rates.
Does a trade-in lower the sales tax in Texas?
Yes. Texas taxes the price after the trade-in allowance, so a $10,000 trade-in on a $35,000 car means tax is charged on $25,000 — about $1,563 instead of $2,188.
When is the sales tax on a car due in Texas?
Sales or use tax is collected when the vehicle is titled and registered, either by the dealer at purchase or by you at the DMV for a private-party sale.
What other fees apply to a car purchase in Texas?
Beyond sales tax you'll pay title and registration fees and, at most dealers, a documentation fee. These vary by dealer and county; the calculator lets you enter them.

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