More Tax Relief for Texas Seniors
Texas homeowners aged 65 and older are receiving major property tax relief thanks to Senate Bill 23 (SB 23). It is part of the Texas Over-65 property tax exemption strategy. This law adds an extra $50,000 to the homestead exemption for qualifying seniors and disabled homeowners.
This means the total exemption for Texans over 65 can now reach up to $200,000 in school property tax savings depending on location and prior exemptions. This Texas Over-65 property tax exemption is a substantial relief.
For many seniors living on retirement income, these savings make a real difference in staying in their homes.
What SB 23 Changes
Before SB 23, seniors already received ample relief but home values have climbed fast across Texas, making the Texas Over-65 property tax exemption more necessary.
SB 23 increases protection by ensuring seniors are not forced out due to rising property taxes.
Here’s what’s included:
| Benefit | Amount |
|---|---|
| Standard homestead exemption | $100,000 |
| Additional exemption for seniors/disabled | +$50,000 |
| SB 23 supplemental relief | +$50,000 |
| Total possible exemption | Up to $200,000 |
That reduction directly cuts their school district tax bill, supporting the Texas Over-65 property tax exemption which forms the largest portion of Texas property taxes.
Retroactive Savings Included
One of the biggest wins:
✅ It applies retroactively for the upcoming tax year.
Homeowners who already had their homestead exemption before the change will see the savings appear automatically on their updated property tax bill.
Who Qualifies?
You must meet at least one requirement:
✔️ Age 65 or older
✔️ Classified as a disabled homeowner
✔️ The property must be your primary residence (homestead)
How to Claim the Exemption
Most homeowners with an existing homestead won’t need to reapply.
But if newly eligible, follow these steps:
- Gather proof of age or disability
- Confirm your home has a homestead exemption filed
- Submit the Over-65 or Disabled Person Exemption form to your County Appraisal District
If approved, savings reflecting the Texas Over-65 property tax exemption will show on your next tax bill.
Pro Tip
✅ Seniors can also request a property tax deferral delaying payments until the home is sold.
(This protects homeowners experiencing extreme financial hardship.)
Why This Matters for Texas Communities
When seniors can afford to remain in their homes, neighborhoods stay stronger:
- Less displacement due to taxes
- More housing stability
- Healthier property values long-term
SB 23 strengthens the promise that Texans should not be taxed out of their homes after decades of contribution.
Key Takeaway
SB 23 is a powerful expansion of protections for seniors and disabled homeowners.
If you, or someone you know, qualifies now is the perfect time to confirm your status for the Texas Over-65 property tax exemption and claim the savings.
