Property Tax Deductions

Harris County Property Tax – Over 65 Exemptions

Jim Mulholland Blog Leave a Comment

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 Value250000     
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%

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