Texas Homestead Exemptions

This content has been updated as of February 2026.

Key takeaways: 

• The Texas homestead exemption is available to all homeowners in the state and could be your ticket to significant tax savings. 
• The exemption reduces the taxable value of your home by $140,000 — and in some cases, more. 
• You must live in the residence you’re claiming as homestead exempt, and the process to apply is simple and free.

Everyone in Texas who owns a home is entitled to the homestead exemption. This exemption can help you save significant amounts of money on your taxes — so there’s no reason not to take advantage of it.

The homestead exemption is available in every county in Texas, providing relief from school and property taxes based on your location. All you have to do is designate your home as a homestead. 

But it’s not just about tax breaks. This exemption also protects you from certain liabilities. After designating your home as a homestead creditors won’t be able to come after your home in the case of litigation.

If you’re on a home with large acreage, you might have a combination of a homestead exemption and an ag exemption on your property. These two exemptions have different tax benefits. Your homestead exemption only applies to the home and the immediate land around it. An agriculture exemption might be more beneficial for the surrounding acreage. 

In order to qualify for the homestead exemption, you just need to live in the property. If you have two homes, you can only designate one of those as the homestead. To secure your exemption, you’ll need to go down to your appraisal district and fill out some forms. This is not something that’s handled at closing, but it can be done right afterwards. 

If you have any questions about homestead exemptions, just contact your county tax commissioner.

Frequently Asked Questions

How much do you save with a homestead exemption?

The amount a person can save with a homestead exemption in Texas depends on the value of your home and the area it is located. Section 11.13 (b) of the Texas tax code requires public school districts to offer a $140,000 exemption on residence homesteads (primary residences) located within their districts. There’s also an additional exemption of up to $60,000 if an adult is disabled or at least 65 years old. 

As a result, homestead exemptions in Texas can save homeowners hundreds or even thousands of dollars on their property tax bill.

What does it mean to be homestead exempt?

In Texas being homestead exempt, means that you have received a tax break based on home ownership. The homestead exemption reduces the appraised value of your home by $140,000. So, if your home is valued at $300,000 and qualifies for the exemption, you will only pay property taxes as if the home is valued at $160,000. 

Do I need to apply for a homestead exemption every year?

In general, no. The homestead exemption is a one-time exemption and there is no need to re-apply every year. However, a new law passed in 2024 that requires appraisal districts to regularly review and verify homestead exemptions. If you receive a letter asking you to reconfirm your eligibility, you may have to submit a new application.

How to apply for a homestead exemption

If you meet the basic eligibility requirements, applying for the exemption is fairly straight-forward. The process in Texas varies by county, but applicants should begin by visiting the tax appraisal website for their county. There, you will find your homestead exemption application and instructions for submission. Submitting an application is free. 

Can you do your homestead exemption online in Texas? 

Yes! This will depend on the county in which you’re applying. But most counties have a portal you can use to electronically submit your exemption application. Check with your local appraisal office to see if this option is available in your area.

Does a homestead in Texas lower property tax? 

Yes. The exemption lowers the amount of your home’s value that’s subject to taxation. Since there is no state property tax in Texas, the amount you’ll save in property taxes depends on your specific county’s local taxation rate.