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Property Tax Exemptions
Texas Property Tax - Homestead Exemptions
General Homestead Exemption Made Simple
If you own and live in your home as your primary residence, you may qualify for a General Homestead Exemption that lowers your property taxes. Every homeowner in Texas receives at least a $100,000 reduction from school district taxes, and some counties or cities may offer up to an additional 20% exemption.
To qualify, you must live in the home as your main residence and not claim the exemption on any other property. Even if you bought your home after January 1, you may still get a prorated exemption if the previous owner didn’t already use it. This exemption helps make homeownership more affordable by reducing the taxable value of your property.
Other Homestead Exemptions You May Qualify For
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Disabled Person Exemption
If you are 100% disabled, you may qualify for extra property tax savings in Texas. To apply, you’ll need proof of disability such as a Social Security award letter or doctor’s statement. ​This exemption reduces your home’s taxable value by at least $10,000 for school taxes and also freezes (caps) the amount of school taxes you’ll pay in the future. Some local entities, like Montgomery County, Lone Star College, and the City of Conroe, also apply this freeze for added savings
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​Age 65 or Older Exemption
If you are 65 or older, you qualify for extra property tax savings starting January 1 of the year you turn 65, or immediately if you purchase a home at age 65 or older. ​Every school district must reduce your home’s taxable value by at least $10,000 and freeze (cap) the amount of school taxes you’ll pay moving forward. Locally, Montgomery County, the City of Conroe, the City of Roman Forest, and Lone Star College District also apply this tax freeze, with some jurisdictions offering additional exemptions.
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Surviving Spouse of individual who qualified for Age 65 or Older Exemption
A surviving spouse may qualify for this exemption if: (1) the deceased spouse died in a year in which he or she qualified for the exemption; (2) surviving spouse was 55 years of age or older when the spouse died; and (3) the property was their residence homestead when the spouse died and remains the surviving spouse’s residence homestead.
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100% Disabled Veteran's Homestead Exemption
Veterans who are rated as 100% disabled (or deemed unemployable due to a service-connected disability) may qualify for a total exemption from property taxes on their primary residence. This exemption applies to all taxing entities, eliminating property taxes entirely on the homestead. ​The exemption can begin as soon as you qualify, even mid-year, and will continue as long as eligibility requirements are met.
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Surviving Spouse of Disabled Veteran who Qualified for the 100% Disabled Veteran's Exemption
A surviving spouse may receive a full property tax exemption if their late spouse was a 100% disabled veteran at the time of death, the home was their primary residence, and the spouse has not remarried.
To apply, the surviving spouse must provide a death certificate and VA documentation. This exemption applies to all taxing jurisdictions.
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Donated Residence Homestead of Partially Disabled Veteran
This exemption may be granted for a disabled veteran with a service-connected disability rating less than 100% if their residence homestead was donated to them by a charitable organization at no cost to the disabled veteran. This exemption applies to all taxing jurisdictions.
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Surviving Spouse of Disabled Veteran who Qualified for the Donated Residence Homestead Exemption
​This exemption may be granted for a disabled veteran with a service-connected disability rating less than 100% if their residence homestead was donated to them by a charitable organization at no cost to the disabled veteran. This exemption applies to all taxing jurisdictions.
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Surviving Spouse of Member of Armed Forces Killed in Action
​​A person may qualify for this exemption if (1) they are the surviving spouse of a member of the United States armed services who was killed in action and (2) they have not remarried since the death of the member of the armed services. This exemption exempts 100% of the surviving spouse’s residence homestead property. Applicant must provide a copy of death certificate and current VA letter identifying him/her as surviving spouse. This exemption applies to all taxing jurisdictions.
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