Homestead Exemption for Seniors Over 65

The cornerstone exemption every senior homeowner should claim.

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Quick answer

A homestead exemption for seniors over 65 reduces the taxable value of your primary residence, lowering your property tax bill, and often adds extra savings on top of the standard homestead exemption. You must be 65 or older, own and occupy the home, and file with your county assessor. Some states also freeze the assessed value.

The homestead exemption is the foundation of senior property tax savings, and turning 65 usually unlocks an enhanced version. Here is how to claim it.

What is a senior homestead exemption?

A homestead exemption shields part of your primary residence's value from property tax. Nearly every state offers a basic homestead exemption to owner-occupants, and most add an enhanced exemption for homeowners 65 and older. For example, a state might exempt $25,000 of value for all homesteads and an additional $25,000 or more for seniors. Some states pair the senior homestead exemption with an assessment freeze that stops your taxable value from rising. The exemption applies only to your main home, not rentals or second homes, and you must occupy it as your primary residence to qualify.

How to file for the senior homestead exemption

File with your county assessor, usually once, after you turn 65 and own and occupy the home. Provide proof of age, a deed or ownership record, and proof of primary residency such as a driver's license matching the address. Some states require income documentation for the enhanced senior portion. Submit before the deadline, often early in the year. In many states the exemption then renews automatically. Because the savings free up money for Medicare premiums and supplemental coverage, call 1-800-MEDIGAP (1-800-633-4427) to see how a lower tax bill can strengthen your healthcare budget.

More on Property Tax & Financial Relief

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Frequently asked questions

What is the difference between a homestead exemption and a senior exemption?+

A standard homestead exemption applies to any owner-occupant of a primary residence, while a senior or over-65 exemption is an additional benefit layered on top for homeowners 65 and older. In most states you can claim both at once, stacking the savings. The senior portion sometimes carries its own income requirements.

Do I have to live in the home to get the homestead exemption?+

Yes. The homestead exemption applies only to your primary residence, the home where you actually live. Rental properties, vacation homes, and investment properties do not qualify. You must prove occupancy, typically with a driver's license, voter registration, or utility bills showing the property as your main address.

Does the senior homestead exemption freeze my taxes?+

Not always. The exemption itself lowers your taxable value, but some states add a separate assessment freeze for seniors that stops future increases. Whether your state freezes values depends on local law. Ask your assessor whether a freeze accompanies the senior homestead exemption so you claim every available benefit.

How often do I file for the homestead exemption?+

In most states you file once and the homestead exemption renews automatically as long as you own and occupy the home. A few states require periodic reapplication, and you must refile if you move or your circumstances change. Confirm your state's rule with the county assessor to avoid losing the exemption.

Can I claim a homestead exemption in more than one state?+

No. You can claim a homestead exemption only on your single primary residence, and only in one state. Claiming it in two states is considered fraud and can trigger penalties and back taxes. If you split time between homes, designate one as your primary residence and claim the exemption only there.

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