Many Texas homeowners expected to see the new $140,000 homestead exemption on their January 2026 statements.
Instead, some statements still show the old $100,000 exemption.
This has become one of the most common property tax concerns this month. The good news is that most cases have a clear and fast fix.
Why the Old $100,000 Exemption Still Appears
Proposition 13 increased the homestead exemption to $140,000. However, the change does not always appear instantly on every record.
Several issues can cause the old amount to show.
Automatic Application vs. Manual Verification
Most homeowners receive the new exemption automatically. Appraisal districts apply it using existing homestead records.
Still, automatic updates do not catch every situation.
You may need to verify or update your record if:
- Ownership details changed recently
- The homestead exemption was filed late
- The property record contains errors
- The district has not finished updating
When this happens, the system defaults to the old exemption.
Why You Should Act Quickly
Escrow accounts rely on early tax data. If the exemption is missing now, your lender may calculate payments using higher taxes.
Fixing the issue early can prevent:
- higher monthly escrow payments
- incorrect tax estimates
- delays in refunds
January gives you the best window to correct the record.
Step-by-Step: How to Fix the Exemption Issue Fast
Step 1: Check Your Appraisal Record
Visit your county appraisal district website. Look for the homestead exemption line.
If it still shows $100,000, move to the next step.
Step 2: Confirm Your Homestead Status
Make sure your record shows:
- the correct owner name
- your primary residence address
- an active homestead exemption
Small data errors can block updates.
Step 3: Submit a Verification or Correction
If needed, submit a homestead verification or correction request.
This process usually takes less time than a formal protest and can resolve the issue quickly.
Step 4: Save Proof for Your Lender
Keep confirmation emails or screenshots. If escrow adjusts early, this proof helps your lender correct future calculations.
What If the Issue Is Not Fixed Right Away?
Even if the exemption does not update immediately, you still have options.
Once the exemption applies, you may qualify for:
- corrected tax calculations
- adjusted escrow payments
- refunds for overpayments
The key is to document your actions.
How TexasPVP Helps Homeowners
TexasPVP helps homeowners by:
- reviewing appraisal records
- identifying missing exemptions
- guiding correction steps
- helping avoid overpayment
Quick action now can save money all year.
Final Reminder
If your January 2026 statement still shows the old $100,000 exemption, do not ignore it.
Most issues have a simple fix. Acting early protects your savings and keeps escrow payments accurate.
TexasPVP is here if you need help reviewing your record.
