Texas Homestead Exemption 2026: What It's Actually Worth

Updated August 2026

Texas's homestead exemption is real and substantial, but the amount most sites quote is outdated. Proposition 13 (approved by voters November 2025) raised the mandatory school-district exemption from $100,000 to $140,000, and SB 23 (April 2025) raised the additional senior/disabled exemption from $10,000 to $60,000.

If you own and occupy your Texas home as your primary residence, you qualify for a mandatory school-district exemption with no income test. Seniors and disabled homeowners qualify for a much larger combined exemption plus a tax ceiling that freezes school taxes at the amount owed the year they first qualify.

Texas's Property Tax Relief Programs

General Homestead Exemption

What it does: $140,000 off assessed value for school district taxes (raised from $100,000). Local taxing units (cities, counties, special districts) may add their own additional exemptions on top.

Who qualifies: Any homeowner who owns and occupies the property as their primary residence as of January 1. No income limit.

Deadline and form: April 30 (Form 50-114). Citation: Texas Tax Code 11.13; Prop 13 (Nov. 2025).

Over-65 / Disabled Additional Exemption + Tax Ceiling

What it does: An additional $60,000 off assessed value for school district taxes (raised from $10,000), for $200,000 combined with the general exemption. School district taxes are also frozen ("ceiling") at the amount owed the year the homeowner turns 65 or first qualifies as disabled.

Who qualifies: Age 65 or older, or disabled, and owns/occupies the home as primary residence.

Deadline and form: Same as general exemption; can be filed the year you turn 65 (Form 50-114). Citation: Texas Tax Code 11.13(c)-(d); SB 23 (Apr. 2025).

An exemption or credit lowers your bill only after the assessed value is set. If that value is too high to begin with, you are overpaying on everything above it regardless of which relief programs you claim. Nobody checks the underlying value unless you do.

See what your county has your home on record at

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How to Apply

Contact your county assessor's (or, where noted above, your state revenue department's) office for the current application form
Gather proof of ownership, occupancy, and, for income-tested programs, your prior-year income documentation
File before the deadline listed above, most jurisdictions do not accept late applications for that tax year
Confirm the relief shows up on your next assessment notice or tax bill

The Bottom Line

Texas's exemption is straightforward and available to every homeowner with no income test, which puts it among the more generous programs nationally, especially combined with the 10% annual cap on assessed value increases for homesteaded property. Apply once; in most counties it renews automatically as long as you continue to own and occupy the home.

Note: Program names, dollar figures, and income limits above are current as of August 2026 and are set or adjusted by the state legislature or department of revenue, not by AppealDesk. Some figures adjust annually, confirm the current-year number with your county or state before applying. AppealDesk helps homeowners identify available relief programs and appeal overassessments.

Most homeowners stack these programs on top of whatever value the assessor assigned and never question the value itself. It came from a mass-appraisal model, not an individual review of your home. It is worth checking once.

Check the value under your exemption

Enter your address to pull your county record free. If it looks too high, your $49 packet gives you everything to challenge it.