Texas Property Tax Breaks for Seniors: What to Know

As property taxes continue to rise, especially in high-demand housing markets, seniors in Texas may face financial pressure when trying to keep up with these expenses. The good news? Texas offers several property tax breaks designed specifically for homeowners age 65 and older or disabled, making it a bit easier to manage rising costs. Here's a breakdown of the most important property tax exemptions available to seniors in Texas and how you can take advantage of them.

What Residence Homestead Exemptions Are Available to People Age 65 and Older?

In Texas, homeowners who are 65 or older or disabled can benefit from residence homestead exemptions. These exemptions reduce the taxable value of your home, which lowers your property tax bill. For example:

• $25,000 Homestead Exemption: This exemption applies to school district taxes and is available to all homeowners.
• Additional $10,000 Age 65 or Older or Disabled Exemption: In addition to the standard $25,000 exemption, seniors and disabled individuals are eligible for an extra $10,000 exemption on their school district taxes.

On top of school district exemptions, counties, cities, and other local taxing authorities may offer additional exemptions for seniors or disabled persons. Check with your local tax office to see what other relief is available.

How Do I Get an Additional $10,000 Age 65 Residence Homestead Exemption?

Applying for the additional $10,000 exemption is pretty straightforward. You need to complete an application for the residence homestead exemption and provide proof of age (for those 65+) or proof of disability (for disabled individuals). The most common forms of proof are a valid Texas driver’s license or a Social Security Award letter indicating disability benefits.

This exemption applies automatically in future years once it’s granted, so you won’t need to reapply annually.

How Do I Qualify for a Disabled Person's Exemption?

The disabled person's exemption is designed for individuals who have a disability recognized by the Social Security Administration or another federal agency. You qualify if:

1. You have a disability that prevents you from engaging in substantial gainful activity.
2. The disability is expected to last at least 12 months or result in death.
3. You can provide documentation, such as a Social Security Administration award letter, proving your disability status.

This exemption, like the others, can result in significant savings on your property taxes.

What Is the Deadline for Filing for a Residence Homestead Exemption?

The deadline to file for a residence homestead exemption in Texas is April 30. However, even if you miss this date, it’s still worth applying. Late applications may be accepted, and you might be able to get the exemption retroactively. The key is to file as soon as you realize you qualify!

What Is a Residence Homestead Tax Ceiling?

The residence homestead tax ceiling (often called a "senior freeze") limits how much the school district portion of your property tax bill can increase once you turn 65. This freeze applies as long as you stay in the same home and don’t make major home improvements that significantly increase the value of your property.

In short: after you qualify for the tax ceiling, your school district taxes will not increase even if your property’s value continues to rise. It's a valuable tool to help seniors manage their tax expenses over time.

🏠 Texas Property Tax Exemptions Explained

How to Apply for the Senior Freeze Tax in Texas

To apply for the Senior Freeze in Texas, homeowners age 65 or older must apply to their local appraisal district. This application is often part of the residence homestead exemption form. You’ll need to provide proof of age and residency, just like with the standard homestead exemption. Once approved, this freeze stays in place indefinitely, or until significant home improvements are made.

Consider Working with Abode

Navigating Texas property tax exemptions and freezes can feel overwhelming, but that’s where Abode comes in. We specialize in helping homeowners maximize their tax savings by guiding them through the application process, ensuring they never miss out on valuable exemptions. Whether you're 65 and considering applying for your first exemption or want to ensure you're taking advantage of every benefit available, we’re here to help.

Reach out today to learn how we can make property taxes a little less stressful!

In Summary:

• Texas offers generous property tax exemptions for homeowners 65+ and those with disabilities.
• The additional $10,000 exemption for school district taxes can provide substantial savings.
• The Senior Freeze locks in the school portion of your property taxes, ensuring they don’t increase over time.
• The deadline for applying for these exemptions is April 30, but late filings might still be accepted.
• Abode can help you navigate the process and ensure you’re getting all the benefits you're entitled to!