Indiana property tax exemptions can lower your bill — there are breaks for owner-occupants, seniors, veterans, and homeowners with disabilities, and many people who qualify never claim them. That is money left on the table every year. Below are the Indiana property tax exemptions that exist, who qualifies, and how to apply. Amounts and income limits change over time and some are set locally, so treat each figure as a
starting point and confirm the current number with your local assessor.
Indiana Property Tax at a Glance
| Homestead & Primary-Residence Relief | Available — see below |
| Senior Relief (Age 65+) | Available — see below |
| Veteran & Disabled-Veteran Relief | Available — see below |
| Disability Relief | Available — see below |
Verified from official state and county sources.
In This Indiana Guide:
Indiana Property Tax Exemptions & Relief
An exemption lowers the value your tax is figured on (or, in some states, gives you a credit or caps how fast your value can rise) — so the same tax rate produces a smaller bill. Here is each of the Indiana property tax exemptions available to homeowners.
Relief does not look the same everywhere. Some states knock a flat dollar amount off your home’s value; others give a credit on the tax itself, cap how much your assessed value can rise each year, or freeze the bill for qualifying seniors. A few offer an income-based rebate instead of a value exemption. The point is the same — a lower bill for people who qualify — but the
form differs, so read each program below for how it actually works rather than assuming it is a simple dollar discount.
Homestead & Primary-Residence Relief
Standard Homestead Deduction for an owner-occupied primary residence, plus a Supplemental Homestead Deduction on the remaining value; new for 2026, an automatic homestead credit on the tax bill. File the standard/supplemental deductions once with the county auditor (deadline about January 5 of the year after the assessment).
How much / how it works: Standard deduction is the lesser of 60% of assessed value or $48,000; the supplemental is 40% of the value left after the standard; plus a new automatic 10% bill credit (up to $300) for 2026. Confirm current figures with your county auditor.
Senior Relief (Age 65+)
Over-65 Deduction and the Over-65 Circuit Breaker Credit (which caps a qualifying senior’s yearly property-tax increase at 2%), both with income and assessed-value limits. 2025 SB 1 converted several over-65/disabled deductions into credits with wider eligibility.
How much / how it works: Over-65 deduction up to about $14,000 of assessed value (income-limited); the circuit-breaker credit caps yearly increases at 2%. Confirm current limits with your county auditor.
Veteran & Disabled-Veteran Relief
Disabled-veteran deductions: a partially-disabled wartime-veteran deduction, a total-disability (or 62+ with 10%+) deduction with a home-value cap, and a deduction scaled to the VA rating for homes given to the veteran by a nonprofit. Apply with the county auditor or county veteran service office.
How much / how it works: Set by statute – for example about $24,960 (wartime service) and $14,000 (total disability, home value up to $240,000) – or scaled to the VA rating. Confirm current figures with your county auditor.
Disability Relief
Blind or disabled homeowner’s deduction that reduces assessed value.
How much / how it works: A set deduction of assessed value; confirm the current amount with your county auditor.
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Not sure which Indiana breaks you qualify for?
How to Apply for Indiana Property Tax Exemptions
Indiana property tax exemptions are almost never automatic — you have to file for them, usually with your local assessor, and usually by a set date each year. Apply once for most breaks and they carry forward, but a few (like some senior or income-based programs) must be renewed. If you just bought your home, or just turned 65, or your disability or veteran status changed, that is the moment
to file.
Even one missed exemption can cost hundreds of dollars a year, so it is worth ten minutes to check.
Don’t want to appeal your Indiana taxes yourself? A property tax appeal service can file everything for you and usually only charges if it wins — typically a share of what it saves you. It is one option; you can also appeal on your own for free.
Frequently Asked Questions
What Indiana property tax exemptions are available?
Indiana has relief for owner-occupants (homestead), seniors 65+, veterans and disabled veterans, and homeowners with disabilities. The details, amounts, and income limits are covered above — and each is worth checking, because they can stack.
Who qualifies for a homestead exemption in Indiana?
Generally an owner who lives in the home as their primary residence. Exact rules — and whether the state uses a dollar exemption, a credit, or an assessment cap — are described in the homestead section above.
How do I apply for Indiana property tax exemptions?
File the application with your local assessor, usually by a set date each year. Most exemptions carry forward once approved; some must be renewed. Confirm the current form and deadline with your assessor.
Can I claim more than one of the Indiana property tax exemptions?
Often yes — for example a homestead break plus a senior or veteran break — though some programs interact. The sections above note where that applies; your assessor can confirm what stacks.
Indiana Property Tax Sources & Data
- Tax Foundation — Property Taxes by State & County: taxfoundation.org
- U.S. Census Bureau (American Community Survey): census.gov/acs
- Lincoln Institute of Land Policy (property tax data): lincolninst.edu
Exemption details for Indiana on this page were verified from official Indiana state and county sources and last
checked in July 2026. Amounts, income limits, and deadlines change and many are set locally — confirm the current
figures and forms with your local assessor before you rely on them.
More Property Tax Guides
- Property Tax Rates by State
- Property Tax by County
- Are You Overpaying? Over-Assessment Checker
- Property Tax Exemption Finder
Disclaimer: This guide is informational only and is not legal, tax, or financial advice. Know Property Tax is an independent educational resource. It is not a government agency, not a county assessor, and not a tax-appeal service. Property tax rates, bills, exemptions, and deadlines change over time and vary by county and property. Confirm anything that affects your taxes with your county assessor or a licensed professional before you act.