Homestead Exemption Calculator for Seniors
Check your state's homestead exemption rules and any additional exemption for older homeowners.
A homestead exemption lowers the taxable value of a home that you own and live in as your primary residence. Most states offer one to homeowners of any age. Some states add an extra benefit for older homeowners. Select your state below to see what applies.
A homestead exemption and a senior property tax exemption are related, and states connect them in different ways. Answer two questions below to see your state's general homestead exemption and whether an extra benefit for seniors applies.
Check Your Homestead Exemption
Answer the question(s) above to see your results.
Homestead exemptions generally require the property to be your primary residence, not a rental or vacation home. You likely don't qualify for this specific benefit, though other property tax relief may still apply.
General Homestead Exemption (any age)
Additional Senior-Specific Enhancement
- Age requirement:
- Income limit:
This state doesn't have a separate senior-specific homestead enhancement. Check this site's Property Tax Exemption Finder tool for its broader senior property tax relief program instead.
Application deadline:
View Official State Page →Detailed information for is being added. Contact your county assessor's office in the meantime.
The general exemption. Most states reduce the taxable value of a primary residence for any owner who lives there. If a state exempts $50,000 of value and your home is assessed at $250,000, you are taxed on $200,000. At a tax rate of 1.5%, that lowers the bill by $750 a year.
Extra help for older homeowners comes in three forms.
- Some states add a further exemption for homeowners 65 and older on top of the general one. Texas is an example.
- Some leave senior benefits to counties, so the amount differs within the state.
- Some have no senior homestead exemption and give relief through a different program, such as an income-based credit or an assessment freeze.
Your state's most valuable benefit may not be called a homestead exemption, so also check senior property tax exemptions by state and property tax freezes and deferrals.
How to claim it.
- Apply at your county assessor's, appraiser's or auditor's office. Most exemptions are not automatic.
- Bring proof that you own the home and live in it, such as a driver's license at that address, and proof of age for a senior exemption. Some programs also ask for proof of income.
- Check the deadline. Many counties set it early in the year, and a late application can cost you a year of savings.
- Ask whether you need to renew. Many states require one application, and some require periodic renewal.
The property has to be your primary residence. Rental and seasonal homes do not qualify, and you can claim a homestead exemption on one home only. If you move, apply again for the new home.
Our article on exemptions, freezes and deferrals explains how the three types of relief differ.
Frequently Asked Questions
What is a homestead exemption?
It is a reduction in the taxable value of a home, generally available to any owner who lives there as a primary residence. Some states also use the term for protection of the home from creditors.
Is a homestead exemption the same as a senior property tax exemption?
Not always. Some states add a benefit for seniors on top of the general homestead exemption. Others use "homestead exemption" as the name of their senior program.
Do I need to be a senior to get a homestead exemption?
No. The general homestead exemption is typically available to any homeowner who lives in the home. Benefits based on age are separate and offered by some states.
Do I need to apply for a homestead exemption every year?
It depends on the state. Many require one application that stays in effect until your situation changes, and some require periodic renewal.
Can I get a homestead exemption on a rental property?
Generally no. The property has to be your primary residence, not a rental or vacation home.
Where do I apply for a homestead exemption?
At your county assessor's, appraiser's or auditor's office. These exemptions are administered locally, not by a state or federal agency.
Homestead exemption programs, amounts and eligibility rules are set by states and often by counties, and they change often. This tool gives general information and does not guarantee any exemption. For current figures and to apply, contact your county assessor's or property appraiser's office.