State Property Tax Relief

What is property tax relief?

Property tax relief programs help people pay less in property taxes on their homes. Each state runs its own programs with different rules, amounts and deadlines. Your county or local tax assessor usually handles applications.

These programs can lower your taxes significantly—but you have to apply to get them. Applying is free.

Common types of property tax relief

States offer several kinds of help:

• Homestead exemptionsA portion of your home's value is excluded from taxation.
• Exemptions for people with disabilities or veteransSpecial exemptions may be available to disabled homeowners or veterans.
• "Circuit breaker" credits or rebatesThese tie tax relief to your income. If your property taxes are high compared to what you earn, you get money back or a credit.
• Tax deferralsYou can delay paying property taxes now and repay them later, often when you sell your home or pass it to heirs.

Who qualifies?

Eligibility depends on your state and county. Most programs require that you:

• Own your home and live in it as your primary residence
• Meet income limits (if the program is income-based)
• Meet age, disability or veteran status requirements (for programs targeting those groups)

Since rules vary widely, check your state's program to learn what you may qualify for.

How much can you save?

The amount varies by program and state. Some programs exempt a percentage of your home's value. Others provide a fixed dollar amount or a credit based on your income and tax bill.

To find out what you could receive, you'll need to contact your county assessor or check your state's program details.

How to apply

Most applications go to your county or local tax assessor's office. Steps usually include:

1. 1
   Step 1: Find your assessor's officeSearch online for "[your county] property tax assessor" or "[your county] tax collector."
2. 2
   Step 2: Get the applicationAsk for the application form for your state's property tax relief program. Many are available online.
3. 3
   Step 3: Fill it outProvide your name, address, property details and proof of eligibility (age, income, disability status, etc.).
4. 4
   Step 4: Submit itMail it or deliver it in person by the deadline. Some counties accept online applications.
5. 5
   Step 5: Follow upAsk about timeline. The assessor will let you know if you're approved.

Deadlines vary by state and county. Some have annual deadlines in the spring or fall. Others accept applications year-round. Check with your assessor to avoid missing the cutoff.

What documents you may need

Common documents requested include:

• Proof of ownership: Your deed or mortgage statement
• Proof of residency: A utility bill, lease, or tax return showing your address
• Income verification (if income-based): Recent tax return, Social Security statement, or pension letter
• Age, disability or veteran status: Birth certificate, disability award letter, or discharge papers
• Property tax bill: Your current assessment notice

Ask your assessor's office which documents are required for your program.

What happens after you apply

You'll receive a notice telling you whether you're approved or denied. If approved, the relief is usually applied to your next property tax bill. If denied, the notice should explain why and may tell you how to appeal.

Renewals

Many programs require you to reapply each year. Some are permanent once approved. Check your approval letter or contact your assessor to find out if you need to renew.

If you must renew, mark your calendar with the deadline so you don't lose your benefit.

Related help

If you own your home, you may also qualify for:

• Tax creditsSome people can claim credits on their federal income tax return. Check tax credits you might receive.
• Help with other housing costsPrograms exist for utility bills, home repairs and other expenses. Browse all programs to see what's available.
• Unclaimed property or moneyIf you've lived in multiple states, you may have unclaimed funds. Search for unclaimed money.

Getting more information

To learn about programs in your state, find your state. Most states have details about eligibility, amounts, deadlines and how to apply.

You can also contact your county assessor's office directly. They can answer questions about local programs and walk you through the application process.

Remember: applying is free, and only the assessor decides whether you qualify.