Do Seniors Get a Property Tax Break in Texas?

Do Seniors Get a Property Tax Break in Texas

Yes, Texas does present a property tax break for seniors—but not everyone acknowledges how much relief is available or steps on how to claim it.

Once homeowners turn 65, they fulfill the qualification for specific types of exemptions and freezes that lower their taxation bill and shield them from future increases on school taxes. The total benefit changes in parallel to where the home is located instead of one-size-fits-all deductions. Yet for most, the savings are considerable—and permanent. Within this context, seniors in Texas might claim the elements below:

  • A $10,000 exemption from school district property taxes (in addition to the standard homestead exemption)

  • A freeze on school taxes at the amount owed the year the homeowner turns 65

  • Optional local senior exemptions, generally between $3,000 and $25,000 in line with the city or county

  • In specific regions, an extra $12,000 homestead exemption for seniors

Each exemption directly lowers the home’s taxable value—not just the rate. And that makes a lasting difference, particularly for seniors living on fixed incomes.

Example: How a $10K Exemption Works

Let’s assume that the home is valued at $300,000.

  • The general homestead exemption: $40,000

  • Senior school district exemption: $10,000

The taxable value drops to $250,000. And if the local authority presents an extra exemption or freeze, even more savings follow. And once the school tax is frozen at age 65, it will not increase unless the homeowner adds major improvements to the property.

How to Apply

It should be noted that Texas does not grant the exemption automatically at age 65. The following actions should be taken in order to receive the benefits:

  • Submitting Form 50-114 to the local County Appraisal District

  • Including proof of age with the matching home address

  • Applying by April 30 to lock in benefits for the current tax year

  • Missed it? Retroactive application is possible for up to two years

Once approved, the exemption remains in effect as long as the property is your main residence.

What About the $12,000 Exemption?

Indeed, it is not statewide. Specific local governments prevent a flat $12,000 senior exemption—or a percentage-based reduction on the assessed value. These vary by jurisdiction. Therefore, it should be checked with the local appraisal district to see if this added benefit applies.

Final Word

So, do seniors get a property tax break in Texas? Absolutely. Between the $10,000 school tax exemption and freeze on school district rates alongside optional local benefits, Texas gives seniors meaningful relief at a time when every dollar matters. If you are unsure about what applies where you live or how to apply, Dimov Partners is ready to present professional assistance. Contact us today to schedule your initial consultation.

George Dimov