Indiana Property Tax Relief: Exemptions & How to File
Indiana has 9 main property tax relief programs, administered through your County Auditor. Filing is free.
Biggest benefit
For the 2025 assessment date (2025 pay 2026): lesser of 60% of assessed value or $48,000. Being phased out by SEA 1 (2025): $40,000 for 2026 assessment, $30,000 for 2027, $20,000 for 2028, $10,000 for 2029, and $0 for the 2030 assessment date and thereafter (fully eliminated).
Earliest common deadline
January 15
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Never pay to file a property tax exemption
Applying for a homestead, senior, veteran, or disability exemption is always free through your County Auditor. You do not need a middleman, and no one can file it "faster" for a fee.
Be skeptical of official-looking letters offering to file your homestead exemption, "designate" your homestead, or send you a copy of your deed for $50–$200. These are private solicitations, not government notices. When in doubt, contact your County Auditor directly using the phone number on your tax bill.
Indiana property tax relief programs
Amounts, eligibility, deadlines, and the official source for each program.
| Program | Benefit | Who qualifies | Deadline | Source |
|---|---|---|---|---|
| Homestead Standard DeductionHomestead | For the 2025 assessment date (2025 pay 2026): lesser of 60% of assessed value or $48,000. Being phased out by SEA 1 (2025): $40,000 for 2026 assessment, $30,000 for 2027, $20,000 for 2028, $10,000 for 2029, and $0 for the 2030 assessment date and thereafter (fully eliminated). | Property must be the individual's principal place of residence (homestead) in Indiana; owned or being bought under contract. | Deadline varies — confirm locally | Official source ↗IC 6-1.1-12-37Homestead Deduction Application (HC10 / State Form 5473) ↗ |
| Supplemental Homestead DeductionHomestead | A percentage of the homestead's assessed value remaining after the Homestead Standard Deduction: 40% for taxes due 2026, 46% (2027), 52% (2028), 57% (2029), 62% (2030), 66.7% (2031 and thereafter). May not exceed 75% of the property's gross assessed value. | Must qualify for and receive the Homestead Standard Deduction on the same property. | Deadline varies — confirm locally | Official source ↗IC 6-1.1-12-37.5 |
| Supplemental Homestead Credit (New under SEA 1 2025)Tax Credit | The lesser of (a) 10% of the homestead property tax liability first due and payable for the year, or (b) $300. | Must qualify for the Homestead Standard Deduction under IC 6-1.1-12-37 (or be married at death to a deceased spouse who qualified) on the homestead. | Deadline varies — confirm locally | Official source ↗IC 6-1.1-20.6-7.7 |
| Over 65 Credit (replaces the repealed Over 65 Deduction)Senior (65+) | Up to $150 credit against property tax liability (reduced if joint tenants/tenants in common other than a spouse are not all at least 65). | Age 65+ · Income: Federal AGI (for the year two years before taxes are due/payable) not over $60,000 if filing single, or not over $70,000 for a joint return or for individuals sharing ownership as joint tenants/tenants in common · Must own or be buying the property under contract for at least 1 year; surviving un-remarried spouse at least 60 (where deceased was 65 at death) may qualify. | January 15 | Official source ↗IC 6-1.1-51.3-1Application for Senior Citizen Property Tax Benefits ↗ |
| Over 65 Circuit Breaker CreditAssessment Freeze | Limits the increase in the homestead's property tax liability to no more than 2% over the prior year's liability (functions as a cap on year-over-year increases). | Age 65+ · Income: Federal AGI not over $60,000 (single) or $70,000 (joint return with spouse) for the 2025 pay 2026 year; beginning 2026 pay 2027 these thresholds are adjusted annually by the Social Security COLA (DLGF issues an annual threshold memo) · Must qualify for the homestead standard deduction on the property; no assessed-value limit as of Jan 1, 2025. | January 15 | Official source ↗IC 6-1.1-20.6-8.5Application for Senior Citizen Property Tax Benefits ↗ |
| Disabled Veteran Deduction - Partial Disability (Service-Connected)Veteran | $24,960 reduction in assessed value. | At least 10% service-connected disability (VA or Indiana DVA documentation); honorable discharge; wartime service · Indiana property owned or being bought under contract; may include mobile/manufactured homes. | Deadline varies — confirm locally | Official source ↗IC 6-1.1-12-13Application for Tax Deduction for Disabled Veterans and Surviving Spouses of Certain Veterans (State Form 12662) ↗ |
| Disabled Veteran Deduction - Totally Disabled or Age 62+ with Partial DisabilityVeteran | $14,000 reduction in assessed value. | Total disability at any age (service or non-service connected), OR age 62+ with at least 10% service-connected disability; honorable discharge; 90+ days service · Property assessed value must not exceed $200,000; Indiana property owned or being bought under contract. | Deadline varies — confirm locally | Official source ↗IC 6-1.1-12-14Application for Tax Deduction for Disabled Veterans and Surviving Spouses of Certain Veterans (State Form 12662) ↗ |
| Blind or Disabled Person Credit (converted from the former deduction by SEA 1 2025)Disability | Up to $125 credit against property tax liability. The former deduction under IC 6-1.1-12-11 (which reduced assessed value by up to $12,480) was repealed as of the January 1, 2025 assessment date. | Blind as defined in IC 12-7-2-21(1); OR disabled (unable to engage in substantial gainful activity due to a medically determinable physical/mental impairment expected to result in death or last at least 12 continuous months) · Income: None · Property must be principally used and occupied as the applicant's residence; owned or being bought under contract. | January 15 | Official source ↗IC 6-1.1-51.3-2 (new credit); former deduction IC 6-1.1-12-11 repealed for assessment dates on/after Jan 1, 2025Blind/Disabled Deduction/Credit Application (form prescribed by DLGF; formerly State Form 43710) ↗ |
| Mortgage Deduction (repealed effective 2023)Homestead | Amount adjusted annually — confirm with your County Auditor | Not applicable; deduction repealed. | Deadline varies — confirm locally | Official source ↗Former IC 6-1.1-12-1 (repealed effective Jan 1, 2023 by HEA 1260-2022) |
For veterans
In most states a higher VA disability rating unlocks a larger — often total — property tax exemption.
Trusted Resources
Trusted tools to help you claim what you've earned
VA Claims Academy
A 100% VA disability rating unlocks full property tax exemptions in most states. VA Claims Academy helps veterans pursue the rating increases they may be owed.
Visit VA Claims Academy →*
* Affiliate disclosure: GovSifter may earn a commission from links above. This does not affect program listings or editorial content.
For seniors
Planning ahead protects your exemption and your home.
Trusted Resources
Trusted tools to help you claim what you've earned
CareSifter — Find trusted senior care
Property tax relief is one piece of aging in place affordably. CareSifter helps families compare in-home care, assisted living, and senior services.
Explore CareSifter →*Trust & Will — Estate planning made simple
Keeping a homestead exemption in the family often depends on how the home is titled. Trust & Will makes wills, trusts, and transfer-on-death deeds affordable and online.
Start with Trust & Will →*
* Affiliate disclosure: GovSifter may earn a commission from links above. This does not affect program listings or editorial content.
Indiana property tax relief FAQ
What property tax exemptions are available in Indiana?
Indiana offers 9 main property tax relief programs: Homestead Standard Deduction, Supplemental Homestead Deduction, Supplemental Homestead Credit (New under SEA 1 2025), Over 65 Credit (replaces the repealed Over 65 Deduction), Over 65 Circuit Breaker Credit, Disabled Veteran Deduction - Partial Disability (Service-Connected), Disabled Veteran Deduction - Totally Disabled or Age 62+ with Partial Disability, Blind or Disabled Person Credit (converted from the former deduction by SEA 1 2025), Mortgage Deduction (repealed effective 2023). Each is administered through your County Auditor.
How do I apply for a property tax exemption in Indiana?
You apply through your County Auditor — for free. Most exemptions require a one-time application by the deadline; check each program for its form and cutoff date. You never need to pay a third party to file.
Is filing for a Indiana property tax exemption free?
Yes. Filing is always free through your County Auditor. Letters offering to file your homestead exemption for a fee are private solicitations, not government notices.
Compare Indiana to other states by relief type
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