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Over 65 property tax exemption in Texas

As you may already know, Texas does not have a state property tax, the property tax rates are locally assessed. Property taxes are the major source of revenue and bring in most of the money to provide services offered by the local government. The Texas government offers special protections for the property owners in Texas and one such protection is the over 65 exemption. 

What is the property tax exemption for over 65?

Homeowners aged 65 years or older qualify for this exemption. All homeowners aged 65 years or older qualify for a standard $25,000 homestead exemption. Other than this, the Texas school districts offer a $10,000 exemption for qualifying homeowners aged over 65. An additional exemption of $3,000 is offered by many cities and counties as well. Get to know about the additional exemptions by contacting the appraisal district.

When do I qualify?

You qualify for this exemption on the day you turn 65. To claim for this exemption all you have to do is submit proof of your age. This can be either a copy of your driving license or your birth certificate. In situations where the 65 or older homeowner dies, the surviving spouse continues to receive the exemption. However, the spouse has to be 55 years or older, must live in the house, own it, and apply for the exemption. In the case of a disabled person who is 65 or older, he/she can receive both the exemptions during the same year, but the taxing units must differ.

Applying for the additional $10,000 exemption

You have up to one year’s time after you turn 65 to apply to your appraisal district. Once your application is approved by the appraisal district you will receive the exemption for the entire year you turned 65. Ever since 2005, if your DOB is mentioned on the original homestead application form or any other written document submitted to the appraisal district about your homestead, you will automatically receive this exemption without applying. But you must be entitled to a general homestead exemption.

Types of exemptions 

There are different types of exemptions available to people who are aged 65 or older. These include:

  • School district taxes

Homeowners are allowed a $25,000 exemption from the value of their home for school district taxes.

  • County tax

In situations where the county appraisal districts collect tax for flood control, etc, homeowners are allowed $3,000 as an exemption on the county taxes. In cases of an optional exemption, homeowners will receive only a local option exemption.

  • Age 65 & disabled exemption

Homeowners qualify for a $10,000 homestead exemption in addition to the $25,000 for school districts. In cases where the owner qualifies for both age 65 and disabled exemption, the homeowner can choose only one among the two for the school district taxes. Both the exemptions cannot be received.

  • Optional percentage exemption

The taxing units decide if the exemption can be offered and the percentage at which it can be offered. However, this has to be decided prior to July 1st of the tax year. The exemption cannot be less than $5,000, it can be up to 20% of the residence homestead value. 

  • Optional age 65 or older or disabled exemptions

As per this exemption, the taxing units have the option to offer an extra homestead exemption of at least $3,000 for those aged 65 or older.

Benefits of qualifying for an over 65 property tax exemption

For those who qualify for the over 65 exemption, there is something called the property tax ceiling. This automatically limits the school taxes to the amount you paid in the year you qualified for an over 65 property tax exemption. If your county, city, or junior college adopts the tax ceiling they might limit the taxes for an over 65 exemption. In situations where there are improvements made to the home, the tax ceiling increases. If there are no improvements made the school taxes might go down the tax ceiling but not above.

Apart from this, if you purchase or shift to a different residence in Texas, you have the option to transfer the percentage of the school taxes you paid. This will be based on the previous home’s school tax ceiling and is termed Ceiling Transfer. For this, you will have to relocate only within the same taxing unit. If the new house is in a different district, a certificate from the appraisal district for the previous home is required and it has to be taken to the appraisal district where the new house is located.

No one will enjoy paying a lot of property taxes. Having a little knowledge about the exemptions will help you save money every year. Read more on how Texas seniors can limit the impact of property taxes.

Blog Author


Patrick O’Connor, MAI, Owner and President
Patrick O’Connor has been active in reducing property taxes, providing expert witness testimony and appraising commercial real estate property since 1983. Pat is active in publishing analyses and data with respect to the real estate market, while being a highly regarded media spokesperson for the real estate community. He holds a MAI, the highest achievable designation from the Appraisal Institute, and is a licensed senior property tax consultant. Pat earned a Master of Business Administration from Harvard University. In 2001, he authored the first definitive consumer guide to Texas property taxes, Cut Your Texas Property Taxes.

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