Indiana Homestead Standard Deduction

St. Joseph County Auditor

Available Property Tax Relief

About This Program

Indiana Homestead Standard Deduction is available to homeowners in South Bend, IN.

Indiana homestead standard deduction reduces property taxes for owner-occupied primary residences. Provides a deduction of up to 60% of assessed value (up to $48,000 maximum deduction). Available to all owner-occupants regardless of income.

Annual property tax savings based on home value and local tax rate

Data last verified 2026-05-25. How we verify our data.

In South Bend, IN, you can combine this program with other local help to cut your cost:

Key Details

  • Reduces property taxes for primary residence
  • Up to 60% of assessed value deducted
  • Maximum $48,000 deduction
  • No income restrictions
  • File annually by June 1

How to Apply

Get free help applying Visit Official Program Page Track this program

(574) 235-9544

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

Your application paperwork

Form to file: Claim for Homestead Property Tax Standard / Supplemental Deduction (State Form 5473 / HC10)

The Homestead Standard Deduction lowers the taxable assessed value of the Indiana home you own and occupy as your principal residence, and it unlocks an additional supplemental deduction. You file the homestead claim (State Form 5473, the HC10) once with your county auditor and do not reapply each year.

Steps to apply

  1. Confirm you own and occupy the Indiana home as your principal place of residence and do not claim a homestead elsewhere.
  2. Get the Homestead Deduction claim form (State Form 5473 / HC10) from the Indiana DLGF.
  3. Complete it with the property and owner information, including the last five digits of the owner's ID.
  4. File it with your county auditor by the December 31 deadline to apply to the next year's bill.
Get the official form

Documents you will likely need

  • Proof you own and occupy the home as your principal residence.
  • The owner's Social Security number and driver license or state ID (last digits) as the form requires.
  • The property's parcel or key number.
  • The completed homestead claim form.
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: File by June 1 for current pay year

Questions about this program?

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

Email us about this program

Frequently asked questions

How much can Indiana Homestead Standard Deduction provide in South Bend, IN?

Up to 60% of assessed value.

Who qualifies for Indiana Homestead Standard Deduction in South Bend?

Indiana Homestead Standard Deduction is open to homeowners in South Bend, IN. It has no income limit.

How do I apply for Indiana Homestead Standard Deduction in South Bend, IN?

Apply directly with St. Joseph County Auditor using the official program link on this page or call (574) 235-9544. There is no middleman and no fee. Deadline: File by June 1 for current pay year.

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