Homestead exemption savings calculator

See what a homestead exemption could save using the value and tax rate from your bill.

Currently: selected Texas and Illinois programs. Choose your county for matching rules and official application links.

Starting example: Harris County, TX

Estimate your savings

General residence homestead

Use the amount before this exemption, after any others.

Enter the percent rate from the matching line on your bill.

This amount comes off the value taxed by your school district. Use your school district’s rate.

Possible annual savings Enter your bill details

Enter the value and rate to see what this exemption could save if you qualify.

Estimate only. Not tax, legal or financial advice; confirm with your county.

Official eligibility and application

Check whether you qualify

Ownership interest and use as principal residence; applicant must not claim another residence homestead exemption in or outside Texas.

Do you have an ownership interest and use this home as your principal residence?
Is this your only claimed residence homestead exemption?
Eligibility source
To qualify for the general residence homestead exemption, a home must meet the definition of a residence homestead and an individual must have an ownership interest in the property and use the property as the individual's principal residence. An applicant is required to state that he or she does not claim an exemption on another residence homestead in or outside of Texas.

Official source. Officially published Checked Oct 24, 2026.

Savings source
Tax Code Section 11.13(b) requires school districts to provide a $140,000 exemption on a residence homestead

Official source. Officially published Checked Oct 26, 2026.

Age 65 or older residence homestead exemption

Use the amount before this exemption, after any others.

Enter the percent rate from the matching line on your bill.

Additional exemption for qualifying homeowners age 65 or older. Use your school district’s rate.

Possible annual savings Enter your bill details

Enter the value and rate to see what this exemption could save if you qualify.

Estimate only. Not tax, legal or financial advice; confirm with your county.

Official eligibility and application

Check whether you qualify

Age 65 or older, ownership interest, and use as principal residence.

Are you 65 or older?
Do you live in this home as your main residence?
Do you have an ownership interest in the home?
Eligibility source
To qualify for the age 65 or older residence homestead exemption, the individual must be age 65 or older, have an ownership interest in the property and live in the home as his or her principal residence.

Official source. Officially published Checked Oct 24, 2026.

Savings source
For persons age 65 or older or disabled, Tax Code Section 11.13(c) requires school districts to provide an additional $60,000 residence homestead exemption.

Official source. Officially published Checked Oct 26, 2026.

Disabled-person residence homestead exemption

Use the amount before this exemption, after any others.

Enter the percent rate from the matching line on your bill.

Additional exemption for qualifying homeowners with a disability. Use your school district’s rate. The age and disability exemptions cannot both apply to the same taxing unit.

Possible annual savings Enter your bill details

Enter the value and rate to see what this exemption could save if you qualify.

Estimate only. Not tax, legal or financial advice; confirm with your county.

Official eligibility and application

Check whether you qualify

A disabled homestead claimant must meet the Social Security disability-insurance definition; another program's disability finding does not automatically qualify.

Do you meet the Social Security disability definition described below?
Eligibility source
A disabled person must meet the definition of disabled for the purpose of receiving disability insurance benefits under the Federal Old-Age, Survivors and Disability Insurance Act administered by the Social Security Administration. Disability benefits from any other program do not automatically qualify you for the exemption.

Official source. Officially published Checked Oct 24, 2026.

Savings source
For persons age 65 or older or disabled, Tax Code Section 11.13(c) requires school districts to provide an additional $60,000 residence homestead exemption. An eligible disabled person age 65 or older may receive both exemptions in the same year, but not from the same taxing units.

Official source. Officially published Checked Oct 26, 2026.

General Residence Homestead Exemption

Possible annual savings Enter your bill details

Enter the value and rate to see what this exemption could save if you qualify.

Estimate only. Not tax, legal or financial advice; confirm with your county.

Official eligibility and application

Check whether you qualify

Owners occupying the property as their principal residence and not claiming a residence homestead elsewhere.

Does this describe you?
Eligibility source
The property owner must occupy the property as the owner’s primary residence and the owner cannot claim a residence homestead exemption on any other property.

Official source. Officially published Checked Oct 24, 2026.

100 percent disabled veteran residence homestead exemption

Possible annual savings Enter your bill details

Enter the value and rate to see what this exemption could save if you qualify.

Estimate only. Not tax, legal or financial advice; confirm with your county.

Official eligibility and application

Check whether you qualify

Veterans receiving 100% service-connected disability compensation with a 100% rating or individual-unemployability determination from the U.S. Department of Veterans Affairs.

Does this describe you?
Eligibility source
If you’re a disabled veteran awarded 100 percent disability compensation due to a service-connected disability and a rating of 100 percent disabled or a determination of individual unemployability from the U.S. Department of Veterans Affairs, you are entitled to an exemption from taxation of your residence homestead's total appraised value.

Official source. Officially published Checked Oct 24, 2026.

100% disabled-veteran homestead exemption

Possible annual savings Enter your bill details

Enter the value and rate to see what this exemption could save if you qualify.

Estimate only. Not tax, legal or financial advice; confirm with your county.

Official eligibility and application

Check whether you qualify

Disabled veteran awarded 100% service-connected disability compensation and rated 100% disabled or individually unemployable by VA; applies to residence homestead.

Does this describe you?
Eligibility source
Tax Code Section 11.131 entitles a disabled veteran awarded 100 percent disability compensation due to a service-connected disability and a rating of 100 percent disabled or of individual unemployability to a total property tax exemption on the disabled veteran's residence homestead, as determined by the U.S. Department of Veterans Affairs.

Official source. Officially published Checked Oct 24, 2026.

What this estimate leaves out

Full-year marginal estimates before tax ceilings, special charges or mid-year changes. Enter the taxable value before this exemption to avoid subtracting it twice. Estimates are separate. Do not add them together; eligibility, taxing units and restrictions can overlap.

    How much could a homestead exemption save?

    Savings = the value removed × your tax rate (%) ÷ 100. The value removed cannot be more than the taxable value you enter. Use the rate for the tax covered by the exemption, such as school tax.

    Programs included in this calculator

    General residence homestead (TX)

    $140,000 reduction. This amount comes off the value taxed by your school district. Use your school district’s rate.

    Last verified . Official savings rule

    Age 65 or older residence homestead exemption (TX)

    $60,000 reduction. Additional exemption for qualifying homeowners age 65 or older. Use your school district’s rate.

    Last verified . Official savings rule

    Disabled-person residence homestead exemption (TX)

    $60,000 reduction. Additional exemption for qualifying homeowners with a disability. Use your school district’s rate. The age and disability exemptions cannot both apply to the same taxing unit.

    Last verified . Official savings rule

    Homestead exemption for persons with disabilities (IL)

    $2,000 reduction. Each year, this amount comes off your equalized assessed value (EAV). Use the tax rate applied to EAV.

    Last verified . Official savings rule

    Compare one exemption at a time. Ask your assessor which exemptions can be used together.

    How to apply for a homestead exemption

    Sources

    Checked to .

    Read the source quotations (15)
    https://comptroller.texas.gov/taxes/property-tax/exemptions/
    Residence Homestead

    Checked .

    https://comptroller.texas.gov/taxes/property-tax/exemptions/
    To qualify for the general residence homestead exemption, a home must meet the definition of a residence homestead and an individual must have an ownership interest in the property and use the property as the individual's principal residence. An applicant is required to state that he or she does not claim an exemption on another residence homestead in or outside of Texas.

    Checked .

    https://comptroller.texas.gov/taxes/property-tax/exemptions/
    Tax Code Section 11.13(b) requires school districts to provide a $140,000 exemption on a residence homestead

    Checked .

    https://comptroller.texas.gov/taxes/property-tax/exemptions/
    Tax Code Section 11.13(b) requires school districts to provide a $140,000 exemption on a residence homestead

    Checked .

    https://comptroller.texas.gov/taxes/property-tax/exemptions/
    To qualify for the general residence homestead exemption, a home must meet the definition of a residence homestead and an individual must have an ownership interest in the property and use the property as the individual's principal residence. An applicant is required to state that he or she does not claim an exemption on another residence homestead in or outside of Texas.

    Checked .

    https://comptroller.texas.gov/taxes/property-tax/exemptions/
    An applicant is required to state that he or she does not claim an exemption on another residence homestead in or outside of Texas.

    Checked .

    https://comptroller.texas.gov/taxes/property-tax/exemptions/
    Age 65 or Older or Disabled Persons

    Checked .

    https://comptroller.texas.gov/taxes/property-tax/exemptions/
    To qualify for the age 65 or older residence homestead exemption, the individual must be age 65 or older, have an ownership interest in the property and live in the home as his or her principal residence.

    Checked .

    https://comptroller.texas.gov/taxes/property-tax/exemptions/
    For persons age 65 or older or disabled, Tax Code Section 11.13(c) requires school districts to provide an additional $60,000 residence homestead exemption.

    Checked .

    https://comptroller.texas.gov/taxes/property-tax/exemptions/
    For persons age 65 or older or disabled, Tax Code Section 11.13(c) requires school districts to provide an additional $60,000 residence homestead exemption.

    Checked .

    https://comptroller.texas.gov/taxes/property-tax/exemptions/
    A disabled person must meet the definition of disabled for the purpose of receiving disability insurance benefits under the Federal Old-Age, Survivors and Disability Insurance Act administered by the Social Security Administration. Disability benefits from any other program do not automatically qualify you for the exemption.

    Checked .

    https://comptroller.texas.gov/taxes/property-tax/exemptions/
    For persons age 65 or older or disabled, Tax Code Section 11.13(c) requires school districts to provide an additional $60,000 residence homestead exemption. An eligible disabled person age 65 or older may receive both exemptions in the same year, but not from the same taxing units.

    Checked .

    https://tax.illinois.gov/localgovernments/property/taxrelief.html
    Homestead Exemption for Persons with Disabilities

    Checked .

    https://tax.illinois.gov/localgovernments/property/taxrelief.html
    This exemption is an annual $2,000 reduction in the EAV of the primary residence that is occupied by a person with a disability who is liable for the payment of property taxes. The person with a disability must be an owner of record of the property or have a legal or equitable interest in the property as evidenced by a written instrument.

    Checked .

    https://tax.illinois.gov/localgovernments/property/taxrelief.html
    This exemption is an annual $2,000 reduction in the EAV of the primary residence that is occupied by a person with a disability who is liable for the payment of property taxes. The person with a disability must be an owner of record of the property or have a legal or equitable interest in the property as evidenced by a written instrument.

    Checked .