1
Freeze or tax ceiling
A freeze may lock in the assessed value used to calculate your taxes. A tax ceiling may limit part of the actual tax bill. Neither necessarily prevents every part of the bill from increasing.
Where You Live Matters™
Can You Limit or Freeze Your Property Taxes at 65?
Turning 65 does not automatically stop your property taxes from increasing. But your state or county may offer a freeze, tax ceiling, exemption, refund or deferral that could lower what you owe.
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These property-tax savings are easy to miss. In many cases, you must know the program exists and apply to see these savings. Eligibility varies and may depend on your age, income, disability status, residency, home value and how long you have owned the property.
Know What You Are Applying For
Property-tax relief is not the same in every state.
Some programs limit future increases. Others reduce, refund or postpone part of the tax. Those are very different benefits.
2
Exemption or refund
An exemption reduces the value that is taxed. A refund or tax credit may return part of the money after you have paid the bill. Income and home-value limits may apply.
3
Property-tax deferral
A deferral postpones payment. It is generally not free money. The deferred amount may become a lien against the home and may have to be repaid with interest.
Your State’s Rules
What property-tax relief may be available where you live?
Choose your state to see the current program summary, basic eligibility rules, what may still increase and whether postponed taxes must be repaid.
⌄
65+
Select your state to see its rules.
Do not assume you are automatically enrolled just because you turned 65. Many programs require a separate application.
Alabama property-tax relief
Can You Limit or Freeze Your Property Taxes at 65?
Yes, but this is an exemption—not a lifetime freeze. Homeowners 65+ are exempt from the state portion of property tax; additional county and municipal relief depends on income and local rules.
AL
✓ Who may qualify?
65+; primary residence; income rules apply to broader relief
↑ What can still increase?
Taxable value, local rates and unprotected portions can rise
$ Does it have to be repaid?
No
Ready to check your eligibility?
Go directly to the official state or local source for current requirements, deadlines and application information.
Applies to:
2026
Last reviewed:
September 6, 2026
Alaska property-tax relief
Can You Limit or Freeze Your Property Taxes at 65?
Possibly. State law authorizes a senior residential exemption, but administration and any additional relief are local. It does not eliminate every property-tax charge.
AL
✓ Who may qualify?
65+; owner-occupied primary residence; local filing rules
↑ What can still increase?
Value or taxes above the exempt amount and special assessments can rise
$ Does it have to be repaid?
No
Ready to check your eligibility?
Go directly to the official state or local source for current requirements, deadlines and application information.
Applies to:
2026
Last reviewed:
September 6, 2026
Arizona property-tax relief
Can You Limit or Freeze Your Property Taxes at 65?
Yes, for qualifying homeowners. Arizona’s Senior Property Valuation Protection Option freezes the limited property value used for taxation for renewable periods. It does not freeze tax rates or the entire bill.
AZ
✓ Who may qualify?
65+; primary residence; residency and income limits; renew periodically
↑ What can still increase?
Tax rates, special districts, additions and other charges can rise
$ Does it have to be repaid?
No
Ready to check your eligibility?
Go directly to the official state or local source for current requirements, deadlines and application information.
Applies to:
2026
Last reviewed:
September 6, 2026
Arkansas property-tax relief
Can You Limit or Freeze Your Property Taxes at 65?
Yes. A qualifying homestead’s taxable assessed value can be frozen when an owner turns 65 or becomes disabled. New construction and substantial improvements are not protected.
AR
✓ Who may qualify?
65+ or disabled; homestead
↑ What can still increase?
Rates and taxes tied to new construction or substantial improvements can rise
$ Does it have to be repaid?
No
Ready to check your eligibility?
Go directly to the official state or local source for current requirements, deadlines and application information.
Applies to:
2026
Last reviewed:
September 6, 2026
California property-tax relief
Can You Limit or Freeze Your Property Taxes at 65?
California does not freeze your property taxes when you turn 65. However, Proposition 13 generally limits how quickly your home’s taxable value can increase while you continue owning it. If you are 55 or older and move within California, Proposition 19 may allow you to transfer your current taxable value to your new home. Qualifying homeowners may also postpone paying property taxes, but this is a loan secured by the home, not forgiveness, and it must eventually be repaid.
What does this mean?
If you are 55 or older and move to another home in California, you may be able to carry your current home’s lower taxable value with you. This can prevent your property taxes from jumping all the way to the new home’s purchase price.
What does this mean?
If you are 55 or older and move to another home in California, you may be able to carry your current home’s lower taxable value with you. This can prevent your property taxes from jumping all the way to the new home’s purchase price.
CA
✓ Who may qualify?
Be at least 55 when the original home is sold
Sell and purchase within two years
Use both properties as principal residences
Buy the replacement home in California
File the required claim with the county assessor
↑ What can still increase?
Tax rates, voter-approved assessments, reassessment after transfer, and improvements can raise the bill
$ Does it have to be repaid?
Yes, for postponed taxes
Ready to check your eligibility?
Go directly to the official state or local source for current requirements, deadlines and application information.
Applies to:
2026
Last reviewed:
September 6, 2026
Colorado property-tax relief
Can You Limit or Freeze Your Property Taxes at 65?
Colorado does not freeze your property taxes at 65. Qualifying seniors may receive an exemption that reduces the home value used to calculate their taxes. Some homeowners may also postpone part of their property taxes, but postponed taxes become a debt against the home and must eventually be repaid
Senior Homestead Exemption
A qualifying homeowner may have part of the home’s value removed before property taxes are calculated. For example:
Home value: $600,000
A portion of that value is exempted
Property taxes are calculated using a lower taxable value. This can reduce the bill, but it does not prevent future increases. The exemption generally has age, ownership and occupancy requirements.
Property-Tax Deferral
A qualifying homeowner may delay paying part of the property-tax bill. However, the unpaid amount becomes a loan secured by the home, generally with interest. It must eventually be repaid, often after the home is sold or the homeowner dies.
Senior Homestead Exemption
A qualifying homeowner may have part of the home’s value removed before property taxes are calculated. For example:
Home value: $600,000
A portion of that value is exempted
Property taxes are calculated using a lower taxable value. This can reduce the bill, but it does not prevent future increases. The exemption generally has age, ownership and occupancy requirements.
Property-Tax Deferral
A qualifying homeowner may delay paying part of the property-tax bill. However, the unpaid amount becomes a loan secured by the home, generally with interest. It must eventually be repaid, often after the home is sold or the homeowner dies.
CO
✓ Who may qualify?
Generally 65+ with long-term ownership/occupancy; separate deferral rules
↑ What can still increase?
Unexempt value, tax rates and assessments can rise
$ Does it have to be repaid?
Yes, for deferred taxes
Ready to check your eligibility?
Go directly to the official state or local source for current requirements, deadlines and application information.
Applies to:
2026
Last reviewed:
September 6, 2026
Connecticut property-tax relief
Can You Limit or Freeze Your Property Taxes at 65?
Possibly. Connecticut offers income-based relief for qualifying older homeowners, while municipalities may provide additional freezes or deferrals. There is no single statewide freeze of the full bill.
CT
✓ Who may qualify?
Generally 65+; income and residency rules; local options vary
↑ What can still increase?
Unprotected taxes and local rates can rise
$ Does it have to be repaid?
Sometimes, if using a deferral
Ready to check your eligibility?
Go directly to the official state or local source for current requirements, deadlines and application information.
Applies to:
2026
Last reviewed:
September 6, 2026
Delaware property-tax relief
Can You Limit or Freeze Your Property Taxes at 65?
No general statewide freeze. Eligible homeowners 65+ may receive a credit against school property taxes, subject to residency and application rules.
DE
✓ Who may qualify?
65+; primary residence; residency period applies
↑ What can still increase?
County, municipal and school taxes above the credit can rise
$ Does it have to be repaid?
No
Ready to check your eligibility?
Go directly to the official state or local source for current requirements, deadlines and application information.
Applies to:
2026
Last reviewed:
September 6, 2026
Florida property-tax relief
Can You Limit or Freeze Your Property Taxes at 65?
Florida has three different ways a homeowner’s property taxes may be reduced. Only one is specifically for seniors.
Save Our Homes - After a Florida home receives the homestead exemption, its assessed value generally cannot increase by more than 3% per year or inflation, whichever is lower.
For Example: Home’s market value increases from $400,000 to $450,000
Florida generally cannot immediately increase its assessed value to $450,000
The assessment increase is limited by the Save Our Homes cap
You still pay property taxes, and your bill may still rise. This protection is available to Florida homestead owners of any age. Florida Department of Revenue
Portability- If you move from one Florida homestead to another, you may be able to carry some of the tax savings accumulated under Save Our Homes to the new property. This can help someone downsize without having the new home taxed entirely at its purchase price.
This is also not limited to seniors.
Senior exemptions - A county or city may offer an additional exemption to qualifying homeowners age 65 or older. This reduces the value on which some local property taxes are calculated.
However:
The county or city must choose to offer it
An income limit applies
It may not reduce school taxes
Some longtime homeowners may qualify for a larger exemption if their locality offers it
Save Our Homes - After a Florida home receives the homestead exemption, its assessed value generally cannot increase by more than 3% per year or inflation, whichever is lower.
For Example: Home’s market value increases from $400,000 to $450,000
Florida generally cannot immediately increase its assessed value to $450,000
The assessment increase is limited by the Save Our Homes cap
You still pay property taxes, and your bill may still rise. This protection is available to Florida homestead owners of any age. Florida Department of Revenue
Portability- If you move from one Florida homestead to another, you may be able to carry some of the tax savings accumulated under Save Our Homes to the new property. This can help someone downsize without having the new home taxed entirely at its purchase price.
This is also not limited to seniors.
Senior exemptions - A county or city may offer an additional exemption to qualifying homeowners age 65 or older. This reduces the value on which some local property taxes are calculated.
However:
The county or city must choose to offer it
An income limit applies
It may not reduce school taxes
Some longtime homeowners may qualify for a larger exemption if their locality offers it
FL
✓ Who may qualify?
Homestead required; local senior exemptions generally 65+ with income rules
↑ What can still increase?
Millage rates, non-ad valorem assessments and additions can rise
$ Does it have to be repaid?
No
Ready to check your eligibility?
Go directly to the official state or local source for current requirements, deadlines and application information.
Applies to:
2026
Last reviewed:
September 6, 2026
Georgia property-tax relief
Can You Limit or Freeze Your Property Taxes at 65?
Georgia does not have one property-tax freeze that applies equally across the state. Qualifying homeowners age 62 or older may receive protection from certain inflation-related increases in their home’s assessed value. Depending on the county or city, seniors may also qualify for additional homestead exemptions, school-tax relief or a local property-value freeze. These benefits are not automatic, and the amount of protection depends on where you live.
GA
✓ Who may qualify?
Age, income and residency rules vary locally
↑ What can still increase?
Any portion not exempted and local rates can rise
$ Does it have to be repaid?
Usually no
Ready to check your eligibility?
Go directly to the official state or local source for current requirements, deadlines and application information.
Applies to:
2026
Last reviewed:
September 6, 2026
Hawaii property-tax relief
Can You Limit or Freeze Your Property Taxes at 65?
Hawaii does not freeze your property taxes when you turn 65. Property taxes are controlled separately by Honolulu, Hawaiʻi, Maui and Kauaʻi counties. Each county offers an exemption that subtracts part of your home’s value before taxes are calculated. Honolulu, Hawaiʻi and Kauaʻi provide larger exemptions at certain ages, while Maui currently provides a substantial owner-occupied exemption regardless of age. Your property-tax bill can still increase if your remaining taxable value or the county tax rate increases.
What to do: Apply for the owner-occupied home exemption through your county property-tax office and make sure the county has your birth date. Ask whether the exemption increases automatically when you reach the next qualifying age.
What to do: Apply for the owner-occupied home exemption through your county property-tax office and make sure the county has your birth date. Ask whether the exemption increases automatically when you reach the next qualifying age.
HI
✓ Who may qualify?
Owner-occupancy, age and filing rules vary by county
↑ What can still increase?
Rates, classifications and value above exemptions can rise
$ Does it have to be repaid?
No
Ready to check your eligibility?
Go directly to the official state or local source for current requirements, deadlines and application information.
Applies to:
2026
Last reviewed:
September 6, 2026
Idaho property-tax relief
Can You Limit or Freeze Your Property Taxes at 65?
Idaho does not freeze your property taxes at 65, but qualifying homeowners may have their bill reduced by as much as $1,500. For 2026, you may qualify if you are an Idaho resident, own and occupy the home as your primary residence, meet the property-value requirement and had 2025 income of $39,130 or less after allowable medical expenses. You must also be 65 or older, widowed, blind, disabled, a former prisoner of war or another qualifying individual. The reduction applies to the home and up to one acre of land.
If you do not qualify for the reduction, or need more help, you may qualify to postpone the taxes instead. For 2026, Idaho’s Property Tax Deferral Program has a $61,674 income limit. Idaho pays the county, but the deferred taxes and interest become a debt that must be repaid when the property changes ownership or no longer qualifies for the homeowner’s exemption.
What does this mean?
Reduction: Up to $1,500 is taken off the bill and does not have to be repaid.
Deferral: Payment is delayed, but the taxes and interest must eventually be repaid.
Neither program: Freezes the home’s value or guarantees that the tax bill will never increase.
What to do: Apply for the Property Tax Reduction every year through your county assessor between January 1 and April 15. The 2026 deferral application deadline is September 8.
If you do not qualify for the reduction, or need more help, you may qualify to postpone the taxes instead. For 2026, Idaho’s Property Tax Deferral Program has a $61,674 income limit. Idaho pays the county, but the deferred taxes and interest become a debt that must be repaid when the property changes ownership or no longer qualifies for the homeowner’s exemption.
What does this mean?
Reduction: Up to $1,500 is taken off the bill and does not have to be repaid.
Deferral: Payment is delayed, but the taxes and interest must eventually be repaid.
Neither program: Freezes the home’s value or guarantees that the tax bill will never increase.
What to do: Apply for the Property Tax Reduction every year through your county assessor between January 1 and April 15. The 2026 deferral application deadline is September 8.
ID
✓ Who may qualify?
Generally 65+ or another qualifying status; income and asset rules
↑ What can still increase?
Remaining property taxes and assessed value can rise
$ Does it have to be repaid?
Yes, if deferred
Ready to check your eligibility?
Go directly to the official state or local source for current requirements, deadlines and application information.
Applies to:
2026
Last reviewed:
September 6, 2026
Illinois property-tax relief
Can You Limit or Freeze Your Property Taxes at 65?
Illinois may freeze the taxable value of your home, but it does not freeze your property-tax bill. If you are 65 or older and your household income is $75,000 or less for the 2026 tax year, the Senior Citizens Assessment Freeze may prevent inflation from increasing the value used to calculate your property taxes. You must apply and qualify each year.
For example: Your home’s market value rises from $300,000 to $350,000.
The program may keep the home’s taxable assessment near its qualifying base-year amount.
However, your actual tax bill can still increase if local tax rates rise or you add improvements to the home.
Illinois also allows qualifying seniors to postpone up to $7,500 of property taxes and special assessments each year. For the 2026 tax year, the household-income limit is $77,000. This is not forgiveness. The postponed amount becomes a lien against the property and must eventually be repaid.
For example: Your home’s market value rises from $300,000 to $350,000.
The program may keep the home’s taxable assessment near its qualifying base-year amount.
However, your actual tax bill can still increase if local tax rates rise or you add improvements to the home.
Illinois also allows qualifying seniors to postpone up to $7,500 of property taxes and special assessments each year. For the 2026 tax year, the household-income limit is $77,000. This is not forgiveness. The postponed amount becomes a lien against the property and must eventually be repaid.
IL
✓ Who may qualify?
65+; household-income limit; annual application
↑ What can still increase?
Tax rates, equalization factors and new improvements, and nonprotected charges can rise
$ Does it have to be repaid?
Yes, if using deferral
Ready to check your eligibility?
Go directly to the official state or local source for current requirements, deadlines and application information.
Applies to:
2026
Last reviewed:
September 6, 2026
Indiana property-tax relief
Can You Limit or Freeze Your Property Taxes at 65?
Indiana may limit how quickly a qualifying senior homeowner’s property-tax bill increases. The Over-65 Circuit Breaker Credit generally prevents property taxes on an eligible homestead from increasing by more than 2% over the previous year. Indiana also provides a separate annual Over-65 Credit of up to $150 that is subtracted directly from the property-tax bill.
IN
✓ Who may qualify?
65+; ownership, income and assessed-value limits
↑ What can still increase?
Charges outside the protected calculation and disqualifying improvements can rise
$ Does it have to be repaid?
No
Ready to check your eligibility?
Go directly to the official state or local source for current requirements, deadlines and application information.
Applies to:
2026
Last reviewed:
September 6, 2026
Iowa property-tax relief
Can You Limit or Freeze Your Property Taxes at 65?
Iowa does not freeze your property taxes at 65, but it can reduce the value used to calculate your bill. Beginning with the 2026 assessment year, qualifying homeowners receive a general homestead exemption equal to 10% of the home’s taxable value, with a minimum exemption of $5,500 and a maximum of $20,000. Homeowners age 65 or older may receive an additional $6,500 exemption.
IA
✓ Who may qualify?
65+; owns and occupies homestead; annual statutory rules
↑ What can still increase?
Value and taxes above the exemption can rise
$ Does it have to be repaid?
No
Ready to check your eligibility?
Go directly to the official state or local source for current requirements, deadlines and application information.
Applies to:
2026
Last reviewed:
September 6, 2026
Kansas property-tax relief
Can You Limit or Freeze Your Property Taxes at 65?
Kansas does not freeze your property-tax bill, but qualifying seniors may receive an annual refund. Low-income homeowners 65 or older may receive 75% of their paid property taxes through SAFESR. Another program may reimburse the increase above a senior’s base-year tax bill, while the regular Homestead Refund provides up to $700. You may claim only one program, and income, age, residency and home-value limits apply.
1. SAFESR refund - For 2025 property taxes claimed in 2026, SAFESR refunds 75% of the general property taxes paid on the principal residence. Generally, the homeowner must:
1. Have been 65 or older for all of 2025
2. Have lived in Kansas for the entire year
3. Have household income of $25,380 or less
4. Own and occupy the home
5. Have a home valued at no more than $350,000
Unlike the regular Homestead Refund, SAFESR is not capped at $700.
Example: If eligible property taxes were $2,000, the refund could be $1,500.
2. Senior Property Tax Relief refund - The K-40SVR program may refund the increase between the homeowner’s base-year property tax and the current bill. For 2025, the household-income limit is $58,041, and the home generally cannot have been worth more than $350,000 in the base year.
Example:
Base-year property tax: $2,000
Current property tax: $2,600
Potential refund: $600
This functions somewhat like a freeze because the homeowner may be reimbursed for the increase, but they must still pay the bill and file for the refund.
3. Homestead Refund - Homeowners age 55 or older may qualify for a refund of up to $700. For 2025, household income must generally be $43,389 or less, and the home cannot be valued above $350,000.
Missed the deadline? Kansas may accept a late claim for up to four years after the original deadline when the homeowner was eligible and can show good cause. Approval is not automatic. Contact the Kansas Department of Revenue before assuming the refund is lost.
1. SAFESR refund - For 2025 property taxes claimed in 2026, SAFESR refunds 75% of the general property taxes paid on the principal residence. Generally, the homeowner must:
1. Have been 65 or older for all of 2025
2. Have lived in Kansas for the entire year
3. Have household income of $25,380 or less
4. Own and occupy the home
5. Have a home valued at no more than $350,000
Unlike the regular Homestead Refund, SAFESR is not capped at $700.
Example: If eligible property taxes were $2,000, the refund could be $1,500.
2. Senior Property Tax Relief refund - The K-40SVR program may refund the increase between the homeowner’s base-year property tax and the current bill. For 2025, the household-income limit is $58,041, and the home generally cannot have been worth more than $350,000 in the base year.
Example:
Base-year property tax: $2,000
Current property tax: $2,600
Potential refund: $600
This functions somewhat like a freeze because the homeowner may be reimbursed for the increase, but they must still pay the bill and file for the refund.
3. Homestead Refund - Homeowners age 55 or older may qualify for a refund of up to $700. For 2025, household income must generally be $43,389 or less, and the home cannot be valued above $350,000.
Missed the deadline? Kansas may accept a late claim for up to four years after the original deadline when the homeowner was eligible and can show good cause. Approval is not automatic. Contact the Kansas Department of Revenue before assuming the refund is lost.
KS
✓ Who may qualify?
Generally 65+ for SAFESR; income, home-value and residency rules
↑ What can still increase?
The bill itself can still rise
$ Does it have to be repaid?
No
Ready to check your eligibility?
Go directly to the official state or local source for current requirements, deadlines and application information.
Applies to:
2026
Last reviewed:
September 6, 2026
Kentucky property-tax relief
Can You Limit or Freeze Your Property Taxes at 65?
No statewide senior freeze. Homeowners 65+ may receive a homestead exemption that removes a statutory amount from assessed value.
KY
✓ Who may qualify?
65+ or totally disabled; owned and occupied residence
↑ What can still increase?
Value and tax above the exemption can rise
$ Does it have to be repaid?
No
Ready to check your eligibility?
Go directly to the official state or local source for current requirements, deadlines and application information.
Applies to:
2026
Last reviewed:
September 6, 2026
Louisiana property-tax relief
Can You Limit or Freeze Your Property Taxes at 65?
Yes, for qualifying homeowners. The Special Assessment Level can freeze the assessed value of a homestead, but it does not freeze millage rates or the final bill.
LA
✓ Who may qualify?
65+ or other qualifying status; homestead; current income rules must be checked
↑ What can still increase?
Millage rates and value from new construction can raise the bill
$ Does it have to be repaid?
No
Ready to check your eligibility?
Go directly to the official state or local source for current requirements, deadlines and application information.
Applies to:
2026
Last reviewed:
September 6, 2026
Maine property-tax relief
Can You Limit or Freeze Your Property Taxes at 65?
No current statewide senior freeze. Maine’s former senior stabilization program has ended. However, qualifying homeowners—including eligible part-year residents who sold and moved—may receive a refundable Property Tax Fairness Credit for Maine property taxes paid during the year. Maine also offers a deferral program for homeowners who remain in their homes, but deferred taxes and interest must be repaid when the home is sold, the owner moves, or the property becomes part of an estate.
ME
✓ Who may qualify?
Generally 65+ or disabled for deferral; income, asset, equity and residency rules
↑ What can still increase?
The assessed value and annual bill can rise
$ Does it have to be repaid?
Yes, for deferred taxes
Ready to check your eligibility?
Go directly to the official state or local source for current requirements, deadlines and application information.
Applies to:
2026
Last reviewed:
September 6, 2026
Maryland property-tax relief
Can You Limit or Freeze Your Property Taxes at 65?
No statewide lifetime freeze. The Homeowners’ Property Tax Credit limits qualifying tax burdens relative to income, and counties may offer senior credits or deferrals.
MD
✓ Who may qualify?
Income and net-worth rules; local senior ages and rules vary
↑ What can still increase?
Assessments and taxes not offset by credits can rise
$ Does it have to be repaid?
Sometimes—local deferrals
Ready to check your eligibility?
Go directly to the official state or local source for current requirements, deadlines and application information.
Applies to:
2026
Last reviewed:
September 6, 2026
Massachusetts property-tax relief
Can You Limit or Freeze Your Property Taxes at 65?
No statewide freeze. Older homeowners may qualify for a state income-tax circuit-breaker credit, local exemptions, or local tax deferral. Deferred amounts accrue as a lien.
MA
✓ Who may qualify?
Circuit breaker generally 65+; local exemption/deferral rules vary
↑ What can still increase?
The property-tax bill can rise
$ Does it have to be repaid?
Yes—if deferred
Ready to check your eligibility?
Go directly to the official state or local source for current requirements, deadlines and application information.
Applies to:
2026
Last reviewed:
September 6, 2026
Michigan property-tax relief
Can You Limit or Freeze Your Property Taxes at 65?
No statewide senior property-tax freeze. Michigan’s Homestead Property Tax Credit may refund part of the property taxes paid by qualifying homeowners and renters. Eligibility depends on household resources and the home’s taxable value. For 2025, the maximum credit is $1,900, and eligible residents may claim a missed credit for up to four years. Homeowners age 62 or older with qualifying household income may also postpone paying their summer property-tax bill until February without penalties or interest. This is only a delayed payment, the taxes must still be paid.
Important distinction:
a. The credit can put money back in their pocket.
b. The summer-tax deferment only gives them additional time to pay.
c. Neither stops the home’s taxable value or tax bill from increasing.
Michigan’s 2025 credit limits include household resources of no more than $71,500 and taxable home value of no more than $165,400.
Important distinction:
a. The credit can put money back in their pocket.
b. The summer-tax deferment only gives them additional time to pay.
c. Neither stops the home’s taxable value or tax bill from increasing.
Michigan’s 2025 credit limits include household resources of no more than $71,500 and taxable home value of no more than $165,400.
MI
✓ Who may qualify?
Income, household resources and homestead rules
↑ What can still increase?
The underlying tax bill can rise
$ Does it have to be repaid?
Sometimes, if locally deferred
Ready to check your eligibility?
Go directly to the official state or local source for current requirements, deadlines and application information.
Applies to:
2026
Last reviewed:
September 6, 2026
Minnesota property-tax relief
Can You Limit or Freeze Your Property Taxes at 65?
No lifetime property-tax freeze. Minnesota offers two forms of relief. First, qualifying homeowners may receive a property-tax refund based on their income and property-tax bill. Second, the Senior Citizens Property Tax Deferral Program allows qualifying homeowners to limit what they pay each year to approximately 3% of their prior-year household income. The state pays the remaining property tax, but that amount becomes a loan secured by a lien on the home. The deferred balance earns interest and must generally be repaid when the home is sold, the homeowner leaves the program, or ownership is transferred.
To qualify for the deferral program, the homeowner must generally be 65 or older, have household income of $96,000 or less, and have owned and occupied the homestead for at least five years. If married, one spouse must be at least 65 and the other at least 62. Reverse mortgages and certain liens can prevent eligibility.
To qualify for the deferral program, the homeowner must generally be 65 or older, have household income of $96,000 or less, and have owned and occupied the homestead for at least five years. If married, one spouse must be at least 65 and the other at least 62. Reverse mortgages and certain liens can prevent eligibility.
MN
✓ Who may qualify?
Deferral generally 65+ with income, occupancy and ownership requirements
↑ What can still increase?
The tax bill and deferred balance can rise
$ Does it have to be repaid?
Yes
Ready to check your eligibility?
Go directly to the official state or local source for current requirements, deadlines and application information.
Applies to:
2026
Last reviewed:
September 6, 2026
Mississippi property-tax relief
Can You Limit or Freeze Your Property Taxes at 65?
No statewide lifetime freeze, but Mississippi provides a substantial exemption. Homeowners who are at least 65 or totally disabled by January 1 may be exempt from property taxes on the first $7,500 of assessed value, which generally equals the first $75,000 of the home’s true value. A qualifying home valued at $75,000 or less may therefore owe no value-based property tax. If the home is worth more, taxes are calculated on the remaining value. The tax bill can still change because of higher property values, millage rates, fees or changes to the property.
Homeowners must apply through their county tax assessor between January 1 and April 1. The exemption is not automatic. Someone who already has the regular homestead exemption must update their application after becoming eligible at 65.
Example: If the home’s true value is $100,000, the first $75,000 is exempt and property tax is generally calculated on the remaining $25,000. That explains the benefit far better than “a portion of assessed value.
Homeowners must apply through their county tax assessor between January 1 and April 1. The exemption is not automatic. Someone who already has the regular homestead exemption must update their application after becoming eligible at 65.
Example: If the home’s true value is $100,000, the first $75,000 is exempt and property tax is generally calculated on the remaining $25,000. That explains the benefit far better than “a portion of assessed value.
MS
✓ Who may qualify?
65+ or totally disabled; homestead
↑ What can still increase?
Taxes on value above the exemption and local rates can rise
$ Does it have to be repaid?
No
Ready to check your eligibility?
Go directly to the official state or local source for current requirements, deadlines and application information.
Applies to:
2026
Last reviewed:
September 6, 2026
Missouri property-tax relief
Can You Limit or Freeze Your Property Taxes at 65?
Missouri offers a senior property-tax freeze, but it is not automatically available statewide. Counties and the City of St. Louis may adopt a Senior Property Tax Credit for homeowners age 62 or older. In participating counties, the credit offsets qualifying increases above the homeowner’s starting-year property-tax bill on their primary residence. In practical terms, it can keep most of the covered property tax from increasing.
The homeowner must apply through the county and may need to renew the application. Deadlines and procedures vary. The freeze generally does not protect increases caused by additions, renovations, new construction or certain changes in taxing jurisdiction.
Missouri also offers a separate statewide Property Tax Credit, commonly called the Circuit Breaker, for qualifying people age 65 or older, people who are 100% disabled and certain surviving spouses age 60 or older. The credit may refund up to $1,100 for homeowners or $750 for renters, depending on household income and taxes or rent paid.
Do not assume you are automatically enrolled. Contact your county collector and ask: “Has our county adopted Missouri’s Senior Property Tax Credit under Section 137.1050, and when do I apply?”
The homeowner must apply through the county and may need to renew the application. Deadlines and procedures vary. The freeze generally does not protect increases caused by additions, renovations, new construction or certain changes in taxing jurisdiction.
Missouri also offers a separate statewide Property Tax Credit, commonly called the Circuit Breaker, for qualifying people age 65 or older, people who are 100% disabled and certain surviving spouses age 60 or older. The credit may refund up to $1,100 for homeowners or $750 for renters, depending on household income and taxes or rent paid.
Do not assume you are automatically enrolled. Contact your county collector and ask: “Has our county adopted Missouri’s Senior Property Tax Credit under Section 137.1050, and when do I apply?”
MO
✓ Who may qualify?
Generally Social Security eligibility age; local ownership/residency rules; jurisdiction must participate
↑ What can still increase?
Taxes outside the local credit and excluded improvements can rise
$ Does it have to be repaid?
No
Ready to check your eligibility?
Go directly to the official state or local source for current requirements, deadlines and application information.
Applies to:
2026
Last reviewed:
September 6, 2026
Montana property-tax relief
Can You Limit or Freeze Your Property Taxes at 65?
No lifetime property-tax freeze. Montana residents age 62 or older may qualify for a refundable Elderly Homeowner/Renter Credit of up to $1,150. To qualify, they must generally have household income below $45,000, have lived in Montana for at least nine months and have owned or rented a Montana home for at least six months. The credit may be claimed even if they are not otherwise required to file an income-tax return.
Income-qualified homeowners may also receive a reduced property-tax rate through Montana’s Property Tax Assistance Program. For 2026, the program can reduce the normal tax rate by 30%, 50% or 80% on the first $418,000 of a primary residence’s market value. The homeowner must generally occupy the home for at least seven months, and lower income limits apply.
The home’s value and tax bill are not frozen. One program provides a refundable credit, while the other reduces the tax rate used to calculate the bill.
Income-qualified homeowners may also receive a reduced property-tax rate through Montana’s Property Tax Assistance Program. For 2026, the program can reduce the normal tax rate by 30%, 50% or 80% on the first $418,000 of a primary residence’s market value. The homeowner must generally occupy the home for at least seven months, and lower income limits apply.
The home’s value and tax bill are not frozen. One program provides a refundable credit, while the other reduces the tax rate used to calculate the bill.
MT
✓ Who may qualify?
Age and income rules vary by program
↑ What can still increase?
The bill and deferred amount can rise
$ Does it have to be repaid?
No
Ready to check your eligibility?
Go directly to the official state or local source for current requirements, deadlines and application information.
Applies to:
2026
Last reviewed:
September 6, 2026
Nebraska property-tax relief
Can You Limit or Freeze Your Property Taxes at 65?
No lifetime property-tax freeze. Nebraska’s Homestead Exemption may exempt all or part of a primary residence’s taxable value for qualifying homeowners age 65 or older. The amount of relief is based on household income and the home’s value compared with other homes in the county.
For 2026, qualifying seniors may receive between 10% and 100% property-tax relief. A single senior with household income below approximately $37,001, or a married senior with income below approximately $43,401, may qualify for 100% relief, subject to the county’s home-value limits. Higher qualifying incomes receive a smaller percentage.
The homeowner must be 65 before January 1, own and occupy the home as a primary residence and file Form 458 every year with the county assessor between February 1 and June 30. Social Security, pensions, IRA withdrawals, investment income and other income may count, although certain unreimbursed medical expenses may reduce the income used for eligibility.
This benefit is not automatic and must be renewed annually. Missing the June 30 deadline can mean losing the exemption for that year.
For 2026, qualifying seniors may receive between 10% and 100% property-tax relief. A single senior with household income below approximately $37,001, or a married senior with income below approximately $43,401, may qualify for 100% relief, subject to the county’s home-value limits. Higher qualifying incomes receive a smaller percentage.
The homeowner must be 65 before January 1, own and occupy the home as a primary residence and file Form 458 every year with the county assessor between February 1 and June 30. Social Security, pensions, IRA withdrawals, investment income and other income may count, although certain unreimbursed medical expenses may reduce the income used for eligibility.
This benefit is not automatic and must be renewed annually. Missing the June 30 deadline can mean losing the exemption for that year.
NE
✓ Who may qualify?
Generally 65+; income and maximum-value rules. Nebraska also has separate rules for qualifying people with disabilities, disabled veterans and certain surviving spouses; some veteran categories are not subject to the standard income and home-value limits.
↑ What can still increase?
Taxes may rise if only partly exempt or eligibility changes
$ Does it have to be repaid?
No
Ready to check your eligibility?
Go directly to the official state or local source for current requirements, deadlines and application information.
Applies to:
2026
Last reviewed:
September 6, 2026
Nevada property-tax relief
Can You Limit or Freeze Your Property Taxes at 65?
Nevada does not provide a property-tax freeze specifically at age 65. Instead, homeowners of any age may qualify for Nevada’s primary-residence tax abatement, which generally limits the annual increase in the property-tax bill to 3%.
This does not freeze the home’s assessed value or keep the tax bill permanently at one amount. The bill may still increase by as much as 3% each year, and purchasing a different home, new construction or a change in the property’s use can affect the calculation.
The homeowner should confirm that the county assessor has classified the property as an owner-occupied primary residence and that the 3% abatement has been applied. Nevada does not currently offer a broad, ongoing statewide rebate or additional exemption simply for reaching age 65. Separate exemptions may be available for qualifying veterans, disabled veterans, surviving spouses and people who are blind.
Check the tax bill. If the property is receiving the higher general cap instead of the 3% primary-residence cap, contact the county assessor.
This does not freeze the home’s assessed value or keep the tax bill permanently at one amount. The bill may still increase by as much as 3% each year, and purchasing a different home, new construction or a change in the property’s use can affect the calculation.
The homeowner should confirm that the county assessor has classified the property as an owner-occupied primary residence and that the 3% abatement has been applied. Nevada does not currently offer a broad, ongoing statewide rebate or additional exemption simply for reaching age 65. Separate exemptions may be available for qualifying veterans, disabled veterans, surviving spouses and people who are blind.
Check the tax bill. If the property is receiving the higher general cap instead of the 3% primary-residence cap, contact the county assessor.
NV
✓ Who may qualify?
Primary-residence rules; not senior-specific
↑ What can still increase?
New construction, ownership changes and charges outside the cap can affect taxes
$ Does it have to be repaid?
No
Ready to check your eligibility?
Go directly to the official state or local source for current requirements, deadlines and application information.
Applies to:
2026
Last reviewed:
September 6, 2026
New Hampshire property-tax relief
Can You Limit or Freeze Your Property Taxes at 65?
It depends on the municipality. Cities and towns provide elderly exemptions within state-law parameters and may offer deferral; there is no single statewide freeze.
NH
✓ Who may qualify?
Typically 65+; local residency, income and asset limits
↑ What can still increase?
Unexempt value and local tax rates can rise
$ Does it have to be repaid?
Yes, if deferred
Ready to check your eligibility?
Go directly to the official state or local source for current requirements, deadlines and application information.
Applies to:
2026
Last reviewed:
September 6, 2026
New Jersey property-tax relief
Can You Limit or Freeze Your Property Taxes at 65?
Yes, but homeowners still pay the full property-tax bill first. New Jersey’s Senior Freeze does not stop the assessor from increasing the home’s value or prevent the tax bill from rising. Instead, the state establishes a base-year property-tax amount and reimburses eligible homeowners for qualifying increases above that amount.
For example, if the base-year tax bill was $8,000 and the current bill is $9,200, the homeowner pays the $9,200 bill and may receive a $1,200 reimbursement from the state.
Applicants must generally be 65 or older, or receive qualifying Social Security or Railroad Retirement disability benefits, meet income, ownership and residency requirements, and file an application each year. For the 2025 benefit, the income limits are $168,268 for 2024 and $172,475 for 2025.
The program is not automatic. New Jersey now uses the combined PAS-1 application to determine eligibility for Senior Freeze, ANCHOR and Stay NJ.
For the 2025 application, the current filing deadline is November 2, 2026
For example, if the base-year tax bill was $8,000 and the current bill is $9,200, the homeowner pays the $9,200 bill and may receive a $1,200 reimbursement from the state.
Applicants must generally be 65 or older, or receive qualifying Social Security or Railroad Retirement disability benefits, meet income, ownership and residency requirements, and file an application each year. For the 2025 benefit, the income limits are $168,268 for 2024 and $172,475 for 2025.
The program is not automatic. New Jersey now uses the combined PAS-1 application to determine eligibility for Senior Freeze, ANCHOR and Stay NJ.
For the 2025 application, the current filing deadline is November 2, 2026
NJ
✓ Who may qualify?
65+ or qualifying disability; income, residency and ownership rules
↑ What can still increase?
The bill can rise before reimbursement; nonqualifying amounts remain due
$ Does it have to be repaid?
No
Ready to check your eligibility?
Go directly to the official state or local source for current requirements, deadlines and application information.
Applies to:
2026
Last reviewed:
September 6, 2026
New Mexico property-tax relief
Can You Limit or Freeze Your Property Taxes at 65?
Yes, for qualifying low-income homeowners. The valuation-freeze program limits increases in taxable value, but not tax rates or all charges.
NM
✓ Who may qualify?
65+ or disabled; modified gross-income limit; principal residence
↑ What can still increase?
Tax rates, special assessments and improvements can raise the bill
$ Does it have to be repaid?
No
Ready to check your eligibility?
Go directly to the official state or local source for current requirements, deadlines and application information.
Applies to:
2026
Last reviewed:
September 6, 2026
New York property-tax relief
Can You Limit or Freeze Your Property Taxes at 65?
No statewide lifetime property-tax freeze, but qualifying seniors may receive two valuable exemptions.
1. Senior Citizens Exemption: Counties, cities, towns, villages and school districts may choose to reduce the taxable assessment of a qualifying senior’s primary residence by as much as 50%. Homeowners generally must be 65 or older, meet the locality’s income limit and have owned the home for at least 12 consecutive months. Because each taxing jurisdiction chooses whether to participate, the percentage and income limit can vary even within the same county.
2. Enhanced STAR: Homeowners age 65 or older may also receive a larger reduction in their school property taxes. For the 2026–2027 school year, the income limit is $110,750, and the benefit is based on the first $88,500 of the home’s full value.
These programs reduce the amount of property subject to tax; they do not permanently freeze the home’s value or total tax bill.
Ask the local assessor about both the Senior Citizens Exemption and Enhanced STAR. They are separate benefits, and qualifying homeowners may be able to receive both. Application deadlines are local.
1. Senior Citizens Exemption: Counties, cities, towns, villages and school districts may choose to reduce the taxable assessment of a qualifying senior’s primary residence by as much as 50%. Homeowners generally must be 65 or older, meet the locality’s income limit and have owned the home for at least 12 consecutive months. Because each taxing jurisdiction chooses whether to participate, the percentage and income limit can vary even within the same county.
2. Enhanced STAR: Homeowners age 65 or older may also receive a larger reduction in their school property taxes. For the 2026–2027 school year, the income limit is $110,750, and the benefit is based on the first $88,500 of the home’s full value.
These programs reduce the amount of property subject to tax; they do not permanently freeze the home’s value or total tax bill.
Ask the local assessor about both the Senior Citizens Exemption and Enhanced STAR. They are separate benefits, and qualifying homeowners may be able to receive both. Application deadlines are local.
NY
✓ Who may qualify?
65+; local income, ownership and residency rules
↑ What can still increase?
The remaining taxable portion and local rates can rise
$ Does it have to be repaid?
No
Ready to check your eligibility?
Go directly to the official state or local source for current requirements, deadlines and application information.
Applies to:
2026
Last reviewed:
September 6, 2026
North Carolina property-tax relief
Can You Limit or Freeze Your Property Taxes at 65?
No lifetime property-tax freeze, but qualifying homeowners may choose between two valuable programs.
1. Elderly or Disabled Exclusion: Homeowners who are at least 65 or totally and permanently disabled may remove the greater of $25,000 or 50% of their home’s appraised value from taxation. For the 2027 tax year, household income cannot exceed $39,900.
2. Circuit Breaker Tax Deferment: Qualifying homeowners may instead limit their annual property taxes to:
4% of household income when income is $39,900 or less; or
5% of household income when income is between $39,900 and $59,850.
The unpaid portion is postponed, not forgiven. It becomes a lien on the home. When the home is sold, transferred, no longer used as the primary residence, or following certain deaths, the last three years of deferred taxes plus interest may become due.
The Circuit Breaker requires the homeowner to have owned and occupied the home for at least five years and to reapply every year.
You cannot receive both programs at the same time. Ask the county tax assessor to calculate which option provides the better benefit before choosing. File Form AV-9 with the county assessor by June 1
1. Elderly or Disabled Exclusion: Homeowners who are at least 65 or totally and permanently disabled may remove the greater of $25,000 or 50% of their home’s appraised value from taxation. For the 2027 tax year, household income cannot exceed $39,900.
2. Circuit Breaker Tax Deferment: Qualifying homeowners may instead limit their annual property taxes to:
4% of household income when income is $39,900 or less; or
5% of household income when income is between $39,900 and $59,850.
The unpaid portion is postponed, not forgiven. It becomes a lien on the home. When the home is sold, transferred, no longer used as the primary residence, or following certain deaths, the last three years of deferred taxes plus interest may become due.
The Circuit Breaker requires the homeowner to have owned and occupied the home for at least five years and to reapply every year.
You cannot receive both programs at the same time. Ask the county tax assessor to calculate which option provides the better benefit before choosing. File Form AV-9 with the county assessor by June 1
NC
✓ Who may qualify?
65+ or disabled; income, ownership and occupancy rules
↑ What can still increase?
Unexcluded taxes can rise; deferred amounts may become due after a disqualifying event
$ Does it have to be repaid?
Yes—for circuit-breaker deferred amounts
Ready to check your eligibility?
Go directly to the official state or local source for current requirements, deadlines and application information.
Applies to:
2026
Last reviewed:
September 6, 2026
North Dakota property-tax relief
Can You Limit or Freeze Your Property Taxes at 65?
No statewide freeze. The Homestead Property Tax Credit can reduce taxable value for income-qualified seniors and people with disabilities.
ND
✓ Who may qualify?
65+ or disabled; income and asset rules
↑ What can still increase?
Tax above the credit can rise
$ Does it have to be repaid?
No
Ready to check your eligibility?
Go directly to the official state or local source for current requirements, deadlines and application information.
Applies to:
2026
Last reviewed:
September 6, 2026
Ohio property-tax relief
Can You Limit or Freeze Your Property Taxes at 65?
No statewide lifetime property-tax freeze. Ohio’s Homestead Exemption allows qualifying homeowners age 65 or older, permanently and totally disabled homeowners and certain surviving spouses to exclude $29,000 of their home’s appraised market value from property taxation.
For example, a qualifying home valued at $200,000 would be taxed as though it were worth $171,000. The actual dollar savings depend on local property-tax rates.
For the 2026 application year, a new applicant’s combined qualifying household income generally cannot exceed $41,000, based on the owner’s and spouse’s Ohio adjusted gross income. Social Security benefits are generally not included in Ohio adjusted gross income.
Homeowners apply through their county auditor by December 31. Once approved, they generally do not need to reapply unless they move or their eligibility changes.
Qualifying veterans with a 100% service-connected disability and certain surviving spouses may exclude $58,000 of the home’s value with no income limit. Homeowners who received Ohio’s Homestead Exemption for tax year 2013 may also be grandfathered out of the current income test, even if they later moved to another Ohio home.
Ohio does not freeze the tax bill. It lowers the home value used to calculate the bill.
For example, a qualifying home valued at $200,000 would be taxed as though it were worth $171,000. The actual dollar savings depend on local property-tax rates.
For the 2026 application year, a new applicant’s combined qualifying household income generally cannot exceed $41,000, based on the owner’s and spouse’s Ohio adjusted gross income. Social Security benefits are generally not included in Ohio adjusted gross income.
Homeowners apply through their county auditor by December 31. Once approved, they generally do not need to reapply unless they move or their eligibility changes.
Qualifying veterans with a 100% service-connected disability and certain surviving spouses may exclude $58,000 of the home’s value with no income limit. Homeowners who received Ohio’s Homestead Exemption for tax year 2013 may also be grandfathered out of the current income test, even if they later moved to another Ohio home.
Ohio does not freeze the tax bill. It lowers the home value used to calculate the bill.
OH
✓ Who may qualify?
65+ or permanently disabled; income rules for most applicants
↑ What can still increase?
Taxes on remaining value and tax rates can rise
$ Does it have to be repaid?
No
Ready to check your eligibility?
Go directly to the official state or local source for current requirements, deadlines and application information.
Applies to:
2026
Last reviewed:
September 6, 2026
Oklahoma property-tax relief
Can You Limit or Freeze Your Property Taxes at 65?
Yes, Oklahoma can freeze your home’s taxable value. Homeowners who are at least 65, occupy the property as their homestead and meet their county’s household-income limit may qualify for the Senior Valuation Limitation.
The freeze prevents the home’s taxable fair-cash value from increasing because of rising market values. It does **not** freeze the final tax bill—tax rates, voter-approved levies and taxable improvements can still increase the amount owed.
Apply with the county assessor using **Form OTC 994 between January 1 and March 15**. The income limit varies by county and is updated annually.
The freeze prevents the home’s taxable fair-cash value from increasing because of rising market values. It does **not** freeze the final tax bill—tax rates, voter-approved levies and taxable improvements can still increase the amount owed.
Apply with the county assessor using **Form OTC 994 between January 1 and March 15**. The income limit varies by county and is updated annually.
OK
✓ Who may qualify?
65+; homestead; county-based household-income limit under current law
↑ What can still increase?
Millage rates, additions and special assessments can raise the bill
$ Does it have to be repaid?
No
Ready to check your eligibility?
Go directly to the official state or local source for current requirements, deadlines and application information.
Applies to:
2026
Last reviewed:
September 6, 2026
Oregon property-tax relief
Can You Limit or Freeze Your Property Taxes at 65?
No property-tax freeze, but you may be able to postpone the entire bill. Oregon homeowners age 62 or older—or those receiving qualifying disability benefits—may apply to have the state pay their property taxes.
This is not free money or tax forgiveness. Every payment becomes a debt secured by a lien against the home and currently accrues 6% simple interest. The balance generally becomes due when the homeowner dies, sells the property, moves out or changes ownership.
Income, net-worth, home-value, residency and equity requirements apply. Eligibility must be recertified every two years.
This is not free money or tax forgiveness. Every payment becomes a debt secured by a lien against the home and currently accrues 6% simple interest. The balance generally becomes due when the homeowner dies, sells the property, moves out or changes ownership.
Income, net-worth, home-value, residency and equity requirements apply. Eligibility must be recertified every two years.
OR
✓ Who may qualify?
Generally 62+ for senior deferral; income, home-value and residency rules
↑ What can still increase?
Taxes continue to accrue as debt
$ Does it have to be repaid?
Yes
Ready to check your eligibility?
Go directly to the official state or local source for current requirements, deadlines and application information.
Applies to:
2026
Last reviewed:
September 6, 2026
Pennsylvania property-tax relief
Can You Limit or Freeze Your Property Taxes at 65?
No uniform statewide freeze. The Property Tax/Rent Rebate Program provides income-based rebates, and some local jurisdictions offer senior tax freezes.
PA
✓ Who may qualify?
State rebate generally 65+ or other qualifying status; income rules; local freeze rules vary
↑ What can still increase?
The bill itself can rise unless a local freeze applies
$ Does it have to be repaid?
No
Ready to check your eligibility?
Go directly to the official state or local source for current requirements, deadlines and application information.
Applies to:
2026
Last reviewed:
September 6, 2026
Rhode Island property-tax relief
Can You Limit or Freeze Your Property Taxes at 65?
It depends on the municipality. Rhode Island authorizes local senior exemptions and deferrals and offers an income-based statewide credit, but no uniform statewide freeze.
RI
✓ Who may qualify?
Age, income, residency and ownership rules vary
↑ What can still increase?
Unprotected taxes and rates can rise
$ Does it have to be repaid?
Sometimes—if deferred
Ready to check your eligibility?
Go directly to the official state or local source for current requirements, deadlines and application information.
Applies to:
2026
Last reviewed:
September 6, 2026
South Carolina property-tax relief
Can You Limit or Freeze Your Property Taxes at 65?
No statewide freeze. The Homestead Exemption removes a statutory amount of fair-market value from local property taxes for eligible homeowners 65+ and certain disabled residents.
SC
✓ Who may qualify?
65+ for at least one year, or qualifying disability/blindness; legal residence
↑ What can still increase?
Taxes on value above the exemption and some charges can rise
$ Does it have to be repaid?
No
Ready to check your eligibility?
Go directly to the official state or local source for current requirements, deadlines and application information.
Applies to:
2026
Last reviewed:
September 6, 2026
South Dakota property-tax relief
Can You Limit or Freeze Your Property Taxes at 65?
Possibly. Income-qualified seniors or disabled homeowners may receive assessment-based relief, and a separate program may limit taxes or allow delay under specific conditions.
SD
✓ Who may qualify?
Generally 65+ or disabled; income and residency rules
↑ What can still increase?
Rates, uncovered value and program exceptions can raise taxes
$ Does it have to be repaid?
Sometimes
Ready to check your eligibility?
Go directly to the official state or local source for current requirements, deadlines and application information.
Applies to:
2026
Last reviewed:
September 6, 2026
Tennessee property-tax relief
Can You Limit or Freeze Your Property Taxes at 65?
Possibly. Counties and municipalities may adopt a Property Tax Freeze for qualifying seniors, while the state Tax Relief Program reimburses part of the tax for eligible homeowners.
TN
✓ Who may qualify?
65+ for freeze; jurisdiction must participate; income and residency rules
↑ What can still increase?
Taxes outside the frozen amount, improvements and nonparticipating jurisdictions can rise
$ Does it have to be repaid?
No
Ready to check your eligibility?
Go directly to the official state or local source for current requirements, deadlines and application information.
Applies to:
2026
Last reviewed:
September 6, 2026
Texas property-tax relief
Can You Limit or Freeze Your Property Taxes at 65?
Yes, Texas provides a real property-tax ceiling at age 65. Once the age-65 homestead exemption is approved, the school-district portion of the property-tax bill generally cannot exceed the amount charged in the first qualifying year—even if the home’s value increases.
The ceiling can increase if the homeowner makes substantial improvements, but ordinary repairs do not count. Cities, counties and junior-college districts may also offer their own tax ceilings, so local protections vary.
Eligible homeowners also receive an additional $60,000 school-district homestead exemption. If they move to another Texas homestead, a percentage of the school-tax ceiling may transfer to the new home. A surviving spouse who is at least 55 may also retain the ceiling if the requirements are met.
The ceiling can increase if the homeowner makes substantial improvements, but ordinary repairs do not count. Cities, counties and junior-college districts may also offer their own tax ceilings, so local protections vary.
Eligible homeowners also receive an additional $60,000 school-district homestead exemption. If they move to another Texas homestead, a percentage of the school-tax ceiling may transfer to the new home. A surviving spouse who is at least 55 may also retain the ceiling if the requirements are met.
TXZ
✓ Who may qualify?
65+; ownership interest; principal residence
↑ What can still increase?
Non-school taxes, voter-approved changes, improvements and uncovered local taxes can rise
$ Does it have to be repaid?
Apply for the age-65 homestead exemption with the county appraisal district.
Ready to check your eligibility?
Go directly to the official state or local source for current requirements, deadlines and application information.
Applies to:
2026
Last reviewed:
September 6, 2026
Utah property-tax relief
Can You Limit or Freeze Your Property Taxes at 65?
No statewide lifetime freeze. Low-income homeowners may qualify for circuit-breaker relief, county hardship abatement or deferral. Deferred taxes remain owed.
UT
✓ Who may qualify?
Generally 66+ for circuit breaker; income and ownership rules
↑ What can still increase?
The underlying bill can rise
$ Does it have to be repaid?
Yes—if deferred
Ready to check your eligibility?
Go directly to the official state or local source for current requirements, deadlines and application information.
Applies to:
2026
Last reviewed:
September 6, 2026
Vermont property-tax relief
Can You Limit or Freeze Your Property Taxes at 65?
No statewide freeze. Vermont’s property-tax credit adjusts eligible homestead taxes based on household income.
VT
✓ Who may qualify?
Homestead declaration; household-income and filing requirements
↑ What can still increase?
The gross bill can rise even when a credit offsets part of it
$ Does it have to be repaid?
No
Ready to check your eligibility?
Go directly to the official state or local source for current requirements, deadlines and application information.
Applies to:
2026
Last reviewed:
September 6, 2026
Virginia property-tax relief
Can You Limit or Freeze Your Property Taxes at 65?
**Property-tax relief is available, but the rules depend entirely on your city or county.** Virginia allows local governments to reduce or eliminate property taxes, postpone payment, or freeze the portion of the bill that increased after a homeowner reached age 65.
To qualify, the applicant must generally be at least 65—or permanently and totally disabled—own the property and use it as their primary home. Each locality sets its own income limits, net-worth limits, benefit amount and application deadline.
An exemption permanently reduces the tax owed. A deferral only postpones payment and may have to be repaid later. Contact the local Commissioner of the Revenue or tax-relief office and ask specifically for **Real Estate Tax Relief for the Elderly or Disabled**.
To qualify, the applicant must generally be at least 65—or permanently and totally disabled—own the property and use it as their primary home. Each locality sets its own income limits, net-worth limits, benefit amount and application deadline.
An exemption permanently reduces the tax owed. A deferral only postpones payment and may have to be repaid later. Contact the local Commissioner of the Revenue or tax-relief office and ask specifically for **Real Estate Tax Relief for the Elderly or Disabled**.
VA
✓ Who may qualify?
Typically 65+; local income, net-worth and residency rules
↑ What can still increase?
Unexempt taxes and local rates can rise
$ Does it have to be repaid?
Sometimes, if deferred
Ready to check your eligibility?
Go directly to the official state or local source for current requirements, deadlines and application information.
Applies to:
2026
Last reviewed:
September 6, 2026
Washington property-tax relief
Can You Limit or Freeze Your Property Taxes at 65?
**Yes, qualifying Washington homeowners can receive a property-tax exemption and have their home’s taxable value frozen.** Homeowners who are at least 61, occupy the property as their primary residence and meet their county’s income limit may qualify.
The program freezes the home’s assessed value for tax purposes and reduces the tax bill. The amount of the reduction depends on household income; lower-income homeowners receive greater relief. Beginning with taxes due in 2027, qualifying participants are also fully exempt from the state school levy.
Washington also offers a separate deferral program beginning at age 60. A deferral postpones taxes, it does not eliminate them. Deferred amounts become a lien against the home and must eventually be repaid.
The program freezes the home’s assessed value for tax purposes and reduces the tax bill. The amount of the reduction depends on household income; lower-income homeowners receive greater relief. Beginning with taxes due in 2027, qualifying participants are also fully exempt from the state school levy.
Washington also offers a separate deferral program beginning at age 60. A deferral postpones taxes, it does not eliminate them. Deferred amounts become a lien against the home and must eventually be repaid.
WA
✓ Who may qualify?
Generally 61+ or qualifying disability/veteran status; income and occupancy rules
↑ What can still increase?
Excess levies, special assessments and unprotected amounts can rise
$ Does it have to be repaid?
Yes, if deferred
Ready to check your eligibility?
Go directly to the official state or local source for current requirements, deadlines and application information.
Applies to:
2026
Last reviewed:
September 6, 2026
West Virginia property-tax relief
Can You Limit or Freeze Your Property Taxes at 65?
**No statewide property-tax freeze, but qualifying homeowners receive an exemption and may qualify for additional refunds.** West Virginia homeowners age 65 or older—or those who are permanently and totally disabled—may exempt the first **$20,000 of assessed value** from property taxes on their owner-occupied home.
Lower-income participants who pay property taxes may also qualify for the refundable **Senior Citizens Tax Credit**. A separate **Homestead Excess Property Tax Credit** may refund up to $1,000 when the remaining property taxes exceed 4% of household income and the income requirements are met.
These programs reduce or refund taxes; they do not freeze the home’s assessed value for life.
Lower-income participants who pay property taxes may also qualify for the refundable **Senior Citizens Tax Credit**. A separate **Homestead Excess Property Tax Credit** may refund up to $1,000 when the remaining property taxes exceed 4% of household income and the income requirements are met.
These programs reduce or refund taxes; they do not freeze the home’s assessed value for life.
WV
✓ Who may qualify?
65+ or permanently disabled; occupancy requirements; credit has income rules
↑ What can still increase?
Taxes on value above the exemption can rise
$ Does it have to be repaid?
No
Ready to check your eligibility?
Go directly to the official state or local source for current requirements, deadlines and application information.
Applies to:
2026
Last reviewed:
September 6, 2026
Wisconsin property-tax relief
Can You Limit or Freeze Your Property Taxes at 65?
**No statewide senior property-tax freeze.** Wisconsin does not lock a home’s assessed value or property-tax bill at age 65. However, income-qualified homeowners and renters may receive a refundable **Homestead Credit of up to $1,168**.
For the 2025 credit, household income must be below $24,680. Applicants must also meet an age, disability or earned-income requirement; being at least 62 satisfies that portion of the test.
Homeowners age 65 or older may also ask WHEDA about its **Property Tax Deferral Loan Program**. This is a loan—not tax forgiveness. It helps pay current property taxes, but the amount borrowed becomes a lien against the home and must be repaid with interest when the home is sold or ownership changes.
For the 2025 credit, household income must be below $24,680. Applicants must also meet an age, disability or earned-income requirement; being at least 62 satisfies that portion of the test.
Homeowners age 65 or older may also ask WHEDA about its **Property Tax Deferral Loan Program**. This is a loan—not tax forgiveness. It helps pay current property taxes, but the amount borrowed becomes a lien against the home and must be repaid with interest when the home is sold or ownership changes.
WI
✓ Who may qualify?
Income, residency and household rules; not exclusively senior
↑ What can still increase?
The property-tax bill can rise
$ Does it have to be repaid?
Sometimes—if a local loan/deferral is used
Ready to check your eligibility?
Go directly to the official state or local source for current requirements, deadlines and application information.
Applies to:
2026
Last reviewed:
September 6, 2026
Wyoming property-tax relief
Can You Limit or Freeze Your Property Taxes at 65?
**No lifetime freeze, but Wyoming now offers substantial property-tax exemptions.** Beginning with tax year 2026, qualifying owner-occupants may exempt **25% of the fair-market value** of their primary residence, applying to the first $1 million of value. The homeowner must generally occupy the property for at least eight months of the year.
A separate **Long-Term Homeowner Exemption** is available when the homeowner or spouse is at least 65 and has paid residential property taxes in Wyoming for at least 25 years. This program may exempt 50% of the qualifying home’s value.
Income-qualified homeowners may also apply for a state refund of up to 75% of their property-tax bill or one-half of their county’s median residential property tax, whichever is less. Income, asset and residency requirements apply.
These programs reduce taxable value or refund taxes; they do not freeze the property-tax bill for life.
A separate **Long-Term Homeowner Exemption** is available when the homeowner or spouse is at least 65 and has paid residential property taxes in Wyoming for at least 25 years. This program may exempt 50% of the qualifying home’s value.
Income-qualified homeowners may also apply for a state refund of up to 75% of their property-tax bill or one-half of their county’s median residential property tax, whichever is less. Income, asset and residency requirements apply.
These programs reduce taxable value or refund taxes; they do not freeze the property-tax bill for life.
WY
✓ Who may qualify?
Program-specific age, income, residency and ownership requirements
↑ What can still increase?
Any unprotected portion and special assessments can rise
$ Does it have to be repaid?
Sometimes
Ready to check your eligibility?
Go directly to the official state or local source for current requirements, deadlines and application information.
Applies to:
2026
Last reviewed:
September 6, 2026
Where You Live Matters™
Could moving give you more retirement benefits?
Property taxes are only one piece of the decision. Compare states based on Medicare options, taxes, retirement costs and other benefits that may affect your long-term plan.
Important:
Property-tax programs, income limits, deadlines and local participation
can change. This page is for general education and is not legal or tax
advice. Confirm your eligibility and application requirements with the
official state, county or local tax authority before making a financial
or moving decision.