NYC Senior Citizen Homeowners' Exemption (SCHE)

NYC Department of Finance

Available Home Repair

About This Program

NYC Senior Citizen Homeowners' Exemption (SCHE) is available to homeowners in New York City, NY.

SCHE provides a property tax exemption of up to 50% for senior homeowners age 65 and over with combined annual income of $58,399 or less. The exemption amount decreases on a sliding scale as income increases.

Up to 50% reduction on property taxes; sliding scale by income

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

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

In New York City, NY, you can combine this program with other local help to cut your cost:

Key Details

  • Up to 50% property tax exemption for seniors 65+
  • Combined annual income must be $58,399 or less
  • Sliding scale: lower income = higher exemption
  • Must own and occupy property as primary residence
  • Apply by March 15 each year through NYC Finance

How to Apply

Get free help applying Visit Official Program Page Track this program

311

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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 New York City early keeps your application moving.

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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.
  • Household income proof (recent pay stubs, last year's tax return, or benefit award letters for everyone in the home).
  • Proof of age (driver's license or birth certificate) if the program is age-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: March 15 annually

Questions about this program?

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Frequently asked questions

How much can NYC Senior Citizen Homeowners' Exemption (SCHE) provide in New York City, NY?

Up to 50% property tax reduction.

Who qualifies for NYC Senior Citizen Homeowners' Exemption (SCHE) in New York City?

NYC Senior Citizen Homeowners' Exemption (SCHE) is open to homeowners in New York City, NY. It serves seniors.

How do I apply for NYC Senior Citizen Homeowners' Exemption (SCHE) in New York City, NY?

Apply directly with NYC Department of Finance using the official program link on this page or call 311. There is no middleman and no fee. Deadline: March 15 annually.

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