Do Seniors Get a Property Tax Break in Texas?

Understanding the “Senior Freeze” & Other Property Tax Breaks for Seniors

  • Do you want to apply for an over 65 homestead exemption but aren’t sure now?
  • For more information on homestead exemptions for seniors read below!

Property Tax Breaks for Seniors in Texas: What You Need to Know

Property taxes can be a significant burden for seniors living on a fixed income. Fortunately, Texas offers several property tax relief programs specifically designed to help older homeowners lower or delay their tax bills. One of the most valuable is the senior property tax freeze, often referred to as the “senior freeze exemption.”

In this guide, we’ll explain how these programs work, who qualifies, how to apply—and what options exist if you’re struggling to pay your property taxes.

Homestead Exemption for Seniors – Who Is Eligible and How to Apply

Every Texas homeowner can apply for a general homestead exemption, which reduces the taxable value of their primary residence. Seniors age 65 and older qualify for additional exemptions that can further reduce their property tax bill.

  • The general homestead exemption reduces the taxable value of a home by $25,000.

  • Seniors 65+ receive an additional $10,000 exemption, totaling at least $35,000–$38,000 in reduced taxable value depending on the taxing unit.

To qualify, the homeowner must:

  • Be 65 years of age or older, and

  • Occupy the property as their principal residence

  • File the exemption form with their county appraisal district

What Is the Property Tax Exemption for Over 65 in Texas?

The Over-65 Property Tax Exemption is an added homestead exemption available to seniors in Texas. Here’s how it works:

  • It reduces the taxable value of your home by at least $10,000 (in addition to the general homestead exemption).

  • It qualifies you for a property tax ceiling (senior freeze) on school district taxes, meaning those taxes cannot increase after the year you turn 65—unless you make major home improvements.

  • You must file a Form 50-114 (Application for Residence Homestead Exemption) and check the box for age 65+ exemption.

This exemption can result in significant tax savings, especially in areas with high school district tax rates.

Senior Freeze Tax – Freezing School District Taxes at Age 65

The senior tax freeze, or homestead tax ceiling, prevents school district property taxes from increasing once a homeowner turns 65. Here’s what it does:

  • Freezes the school district portion of your property tax bill at the amount you paid the year you turned 65.

  • If school tax rates decrease in future years, your bill may go down—but it won’t go up.

  • The only way school taxes increase is if you make substantial improvements (like adding a room or a pool—not regular maintenance).

This freeze applies only to school taxes, but it provides long-term protection for seniors against rising tax rates.

Senior Property Tax Deferral in Texas

In addition to exemptions and freezes, Texas seniors may also defer property taxes until the estate is settled after death.

To qualify, you must:

  • Be 65 or older

  • Occupy the home as your primary residence

  • File an application with your local appraisal district (Form 50-126)

This program allows qualifying homeowners to postpone paying property taxes, but it’s important to know that interest will accrue, and taxes will need to be paid eventually—usually from the estate.

Do Some States Waive Property Taxes for Seniors?

While Texas doesn’t eliminate property taxes based on age alone, some states offer broader exemptions. For example:

  • Delaware, Hawaii, and Louisiana offer full or partial exemptions for qualifying seniors.

  • Florida and Tennessee provide income-based exemptions for seniors, but rules vary by county or municipality.

In Texas, seniors may not be fully exempt, but programs like the over-65 exemption, tax ceiling, and deferral offer significant relief.

How to Apply for the Senior Freeze or Over-65 Property Tax Exemption

To take advantage of these senior tax relief programs:

  1. Contact your county appraisal district

  2. Submit the appropriate form (Form 50-114 for homestead and over-65 exemptions)

  3. Apply by April 30 of the tax year, though late applications may be accepted

  4. Provide proof of age (driver’s license, state ID, etc.)

You only need to apply once, and your exemptions will automatically carry forward each year as long as you remain eligible.

Need Help Paying Your Property Taxes?

Even with these helpful programs, some seniors may still struggle to keep up with property tax payments—especially in high-tax areas.

That’s where Home Tax Solutions can help. We offer affordable property tax loans to Texas seniors, helping cover overdue tax bills so you can avoid penalties, interest, and potential foreclosure.

With flexible repayment plans and a fast, stress-free process, our team makes it easy to stay current on your taxes—and stay in your home.

Get Property Tax Relief Today

If you’re over 65 and looking for property tax relief in Texas, don’t wait. Explore your eligibility for exemptions, the senior tax freeze, or deferment—and if you need support, contact Home Tax Solutions today.

We’re here to help you protect your home and your peace of mind.