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Property Tax Deductions

Harris County Property Tax – Over 65 Exemptions

If you are 65 or older and live in a house in Harris County, you definitely need to remember to file for the over 65 exemption.

Benefits of the over 65 exemptions:

  • Deductions for your home appraisal value for school, county and even MUD taxes
  • School taxes are capped at the amount you paid the first year you qualify (unless you add-on to your house)
  • You do NOT need to be 65 years old at the first of the year to qualify
  • Over 65 deductions on top of your deductions you get with your homestead exemptions

Here are the current deduction amount for Cy-Fair School District:

  • Cy-Fair ISD: $25,000
  • Harris County: $160,000
  • Lone Start College: $75,000
  • MUD: Most range between $10,000 to $20,0000

I explained how the homestead exemption worked in Cy-Fair in this blog post.  The below table expands on that example with the addition of the over 65 deductions on a $250,000 appraised value home in Coles Crossing MUD #365.

Appraised Value
Tax RateTaxes (Pre-Homestead)Post-Homestead Taxable ValueOver 65 ExemptionsOver 65 Taxable ValueTaxes (Over 65)
CYPRESS-FAIRBANKS ISD1.43%$3,575.00$185,000.00$25,000.00$160,000.00$2,288.00
HARRIS COUNTY0.39%$970.13$200,000.00$160,000.00$40,000.00$155.22
HARRIS CO FLOOD CNTRL0.03%$73.05$200,000.00$160,000.00$40,000.00$11.69
PORT OF HOUSTON AUTHY0.02%$51.35$200,000.00$160,000.00$40,000.00$8.22
HARRIS CO HOSP DIST0.19%$480.40$200,000.00$160,000.00$40,000.00$76.86
HARRIS CO EDUC DEPT0.01%$16.45$200,000.00$160,000.00$40,000.00$2.63
LONE STAR COLLEGE SYS0.12%$294.00$245,000.00$75,000.00$170,000.00$199.92
HC MUD 3650.52%$1,300.00$250,000.00$20,000.00$230,000.00$1,196.00
HC EMERG SRV DIST 90.06%$150.00$250,000.00$0.00$250,000.00$150.00
TOTAL:$6,910.38$5,656.72OVER 65 TOTAL:$4,088.54
Effective Tax %:2.76%2.26%Effective Tax %:1.64%

About Jim Mulholland

Jim Mulholland is the broker of Mulholland Realty. He has been a REALTOR in the Cypress, TX area since 2005 focusing mainly on the larger master planned communities in the area such as Blackhorse Ranch, Bridgeland, Coles Crossing, Fairfield, Longwood Village, Northlake Forest, Rock Creek, Stone Gate, and Towne Lake. Call Jim at 713-446-1018 to discuss your real estate needs! View all posts by Jim Mulholland

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