How to File Your Texas Homestead Exemption

by Candace Carew

Why this matters

A homestead exemption is one of the first money-saving items a Texas homeowner should check after buying their primary residence. Not only does it cap the county appraisal district’s percentage increased on the improved value of your home at a maximum of 10%, it also protects your home from creditors.

What to do

Confirm the property is your principal residence and review the eligibility rules for your county.
Apply directly with the county appraisal district. The exemption filing itself is free, so if you get mail soliciting filing your taxes, just disregard.
After filing, save your confirmation and later verify that the exemption appears on your property record.
Recheck your exemption after major ownership changes, refinancing-related paperwork, or if your tax record does not look right.

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Frequently asked questions

Does it cost money to file a Texas homestead exemption?

The official application through the county appraisal district is free. Use the links below to complete your homestead exemption(s) in your county. Prior to filing, you will want to make sure your Texas DL's address is changed to your home address where you're filing.

Do I need to reapply every year?

Not usually, but appraisal districts can request updated information and ownership or eligibility changes can matter. Verify the exemption remains on your property record. You are required to file your homestead exemption every 5 years.

Where should I verify current rules?

Use your county appraisal district and current Texas Comptroller guidance.

Bottom line

The purpose of how to file your texas homestead exemption can save you thousands and protect you at the same time. Property taxes make up a significant portion of your mortgage payment in the state of Texas, because we don’t have a state tax. If you don’t have a mortgage payment or have elected to pay your property taxes separately from your mortgage payment, it’s even more of a blow when you have to write a check to the appraisal district for the annual tax bill.