Texas Over-65 & Disabled Person Property Tax Exemption

Texas Comptroller / Harris Central Appraisal District (HCAD)

Available Home Repair

About This Program

Texas Over-65 & Disabled Person Property Tax Exemption is available to homeowners in Houston, TX.

Texans age 65 or older, or those with a qualifying disability, receive an additional $60,000 school district property tax exemption on top of the standard homestead exemption, plus a school tax ceiling (freeze) that prevents school taxes from increasing. Harris County offers an additional $10,000 exemption for seniors/disabled. Property taxes on the homestead may be deferred entirely until the property is sold.

Additional $60,000 exemption at ~2.2% = ~$1,320 additional savings; plus tax ceiling locks school taxes at current level for life.

Official program page checked live on 2026-06-22.

Data last verified 2026-04-03. How we verify our data.

In Houston, TX, you can combine this program with other local help to cut your cost:

Key Details

  • Must be 65+ or have qualifying disability as of January 1
  • Additional $60,000 school district exemption on top of $100,000 homestead exemption
  • School property tax freeze, never increases once cap is established
  • Harris County adds $10,000 extra exemption for seniors/disabled
  • Option to defer all property taxes until home is sold

How to Apply

Get free help applying Visit Official Program Page Track this program

713-578-2000

A grant-savvy contractor in Houston, TX can handle the paperwork, inspections, and timelines so your funding releases on schedule. Getting matched is free.

You will likely need a contractor to apply

Projects like this almost always need a licensed contractor, and many grants ask for a written estimate as part of your application. Lining up a contractor in Houston early keeps your application moving.

Get matched with a contractor

Each program sets its own contractor rules. Check the official program page for exact requirements.

Your application paperwork

Documents you will likely need

  • Your federal tax return for the year of the work (this benefit is claimed on your taxes, not through a separate application).
  • Proof you own and live in the home (deed, recent mortgage statement, or property tax bill).
  • A government-issued photo ID for every owner on title.
  • Documentation of disability (award letter or a physician's statement) if the program is disability-based.
  • A written estimate from a licensed contractor for the work (many programs require this to apply).
  • The program's own application form, completed (use the official link or phone number on this page).
Download this checklist (PDF)

Requirements vary by program and locality. Confirm the exact rules on the official program page. We can help you prepare your paperwork, but you submit it yourself.

Deadline: April 30

Questions about this program?

Ask us. It is free, and a real person answers within a business day.

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Frequently asked questions

Who qualifies for Texas Over-65 & Disabled Person Property Tax Exemption in Houston?

Texas Over-65 & Disabled Person Property Tax Exemption is open to homeowners in Houston, TX. It has no income limit. It serves seniors.

How do I apply for Texas Over-65 & Disabled Person Property Tax Exemption in Houston, TX?

Apply directly with Texas Comptroller / Harris Central Appraisal District (HCAD) using the official program link on this page or call 713-578-2000. There is no middleman and no fee. Deadline: April 30.

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Find More Programs in Houston, TX

This is just one of many grants, rebates, and free programs available. Stack them together to maximize your savings.

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