featured
2026-07-16
Personal Finance
published
Back to School Tax Holiday
2017-04-24
- Texas' 2026 Back-to-School Tax Holiday runs August 7–9.
- Most tax-free items must be priced under $100 per item to qualify for the exemption.
- Creating a back-to-school budget can help families avoid overspending and stay on track financially.
- Comparing prices, shopping sales, and using price-match programs can reduce back-to-school costs.
- Credit card rewards and loyalty programs can help offset school shopping expenses.
- Reusing school supplies, backpacks, and clothing is an easy way to save money and reduce waste.
- Financial education tools like Zogo can help users build money management skills while earning rewards.
- Texas Bay Credit Union offers resources and guidance to help members manage back-to-school expenses.
As a new school year approaches, parents and students are gearing up for back-to-school shopping. Texas Bay Credit Union understands the financial strain that this season can bring, which is why we are committed to helping our members save money this fall.
In this article, we will explore the benefits of the tax holiday, share some valuable money-saving tips, and highlight how Texas Bay Credit Union can be your financial ally for the back-to-school season.
Back-to-School Tax Holiday
One of the most significant advantages for families during the back-to-school season is the annual tax holiday. Texas Bay Credit Union members can take full advantage of this opportunity to save big on certain purchases. The tax holiday this year is August 7-9, 2026. It occurs over a designated weekend before the school year begins and offers a sales tax exemption on various back-to-school items.
During this time, purchases such as qualifying school supplies, clothing, footwear, and backpacks priced under $100 per item are exempt from state and local sales taxes.
Create a Budget
Before you head out for back-to-school shopping, it's a good idea to create a budget. Start by listing all the necessary items your child will need for the school year. Prioritize the most important ones and allocate a specific amount for each category. With a budget in place, you can keep track of your spending and avoid impulse purchases.
Shop Smart
Back-to-school shopping doesn't have to break the bank! Be on the lookout for discounts, special deals, and promotions from retailers. You can save even more by comparing prices online or using price comparison apps. You may also consider buying in bulk for items that will be used throughout the year.
Some of your favorite stores might offer price matching, like Target, Walmart, Office Depot, and others. Remember, shopping smartly can make a significant difference in your overall expenses.
Use Rewards and Loyalty Programs
If you're a Texas Bay Credit Union member, don't forget to explore our rewards and loyalty programs. The Texas Bay Platinum Rewards Mastercard offers rewards points for every purchase you make! Save these rewards and use them to offset your back-to-school expenses.
At Texas Bay Credit Union, we strive to provide our members with exclusive benefits that help them save on everyday expenses.
BONUS! Texas Bay Platinum Rewards is offering Double-the-Points on purchases made August 1-16, 2026, just in time for the Tax Holiday.
Reuse and Recycle
Before you rush to buy new school supplies, take stock of what you already have. Often, items from the previous year are still in good condition and can be reused. Old backpacks, lunch boxes, and even clothes can be spruced up and given a fresh look.
Embracing sustainability not only saves you money but also teaches valuable lessons to children about reducing waste.
Consider Thrift Stores
Thrift stores and consignment shops can be efficient and affordable for back-to-school shopping. You can find great deals on clothing, shoes, and even books. Encourage your children to explore these options, and they might be surprised at the unique items they can discover.
Shopping at thrift stores also promotes eco-friendly practices by reducing the demand for new products.
Utilize Texas Bay Credit Union's Educational Resources
Texas Bay Credit Union is not just a place for financial services; we are also committed to empowering our members with knowledge. We offer Zogo, a FREE gamified financial literacy app for teens and adults. The more you learn about finances, the more you earn in $5 gift cards to national retailers.
Also check out our other educational resources, including our blogs, that cover essential financial topics like budgeting, saving for college, and understanding credit. Being informed is key to making wise financial decisions for your family's future.
FAQ: Back-to-School Tax Holiday
When is the Texas Back-to-School Tax Holiday in 2026?
The 2026 Texas Sales Tax Holiday begins on Friday, August 7, 2026, and ends at midnight on Sunday, August 9, 2026.
Can I shop online during the Tax Holiday?
Yes. Qualifying tax-free purchases can be made online, through catalogs, or in Texas retail stores, provided the purchase meets the state's eligibility requirements and is completed during the holiday period.
Is there a limit to how many tax-free items I can purchase?
No. There is no limit on the number of qualifying items you can buy during the Tax Holiday, as long as each eligible item meets the pricing requirements.
Do all backpacks qualify for the sales tax exemption?
Not necessarily. Only qualifying backpacks intended for elementary and secondary school students are exempt, and they must be priced under $100 per item.
Will I save money if I shop before or after the Tax Holiday weekend?
Items purchased outside the official Tax Holiday dates generally do not qualify for the sales tax exemption. Planning your shopping during the designated weekend can maximize your savings.
What should I do if back-to-school expenses exceed my budget?
Start by prioritizing essential purchases, looking for sales and discounts, reusing items from previous years, and exploring secondhand options. If you need guidance, a financial consultation can help you create a spending plan that works for your family.
How early should I start back-to-school shopping?
Shopping several weeks before school starts can help you spread out expenses, avoid last-minute purchases, and take advantage of seasonal promotions and inventory availability.
What are some often-overlooked back-to-school expenses?
In addition to supplies and clothing, families should budget for school fees, extracurricular activities, lunches, transportation costs, technology needs, and unexpected classroom requests that may arise during the school year.
How can I teach my children good money habits during back-to-school season?
Consider involving your children in creating a shopping list, comparing prices, setting spending limits, and making purchasing decisions. This helps them develop budgeting and financial decision-making skills early in life.
How can Texas Bay Credit Union help with back-to-school financial planning?
Texas Bay Credit Union offers financial education resources, budgeting guidance, savings solutions, and rewards opportunities designed to help members manage expenses and work toward their financial goals.
Open an Account with Texas Bay Credit Union Today!
At Texas Bay Credit Union, we are here to support you not only during the back-to-school season but throughout your financial journey. Let's make this school year a successful one without compromising your budget!