Veterans Property Tax Exemptions: Where and How to Apply?

Property taxes shouldn’t feel like a penalty for serving your country. Unfortunately, many 100% disabled veterans overpay on property taxes simply due to a lack of awareness about exemptions they’ve earned.

This 2025 guide outlines where you may qualify for a $0 property tax bill, how to apply, and how to combine this benefit with a VA home loan for maximum financial efficiency.

Key Takeaways

• Full Exemptions: States like Texas, Florida, and Michigan offer 100% disabled veterans full property tax exemptions, saving thousands annually.
• Application Required: Exemptions are not automatic. Veterans must apply through their county assessor's office with proof of disability and residence.
• State Variability: Some states offer benefits for disability ratings as low as 10%, while others require 100%.
• Maximize with VA Loan: Combine your property tax exemption with a VA loan (no down payment, no PMI) to minimize overall homeownership costs.
• Watch the Deadlines: Most applications must be submitted in spring—don’t miss out due to timing.
  
  

What Are Property Tax Exemptions for Disabled Veterans?

A property tax exemption reduces or eliminates the annual taxes paid on your home’s assessed value. For disabled veterans, these are state- and sometimes county-level benefits.

How They Work:

• Apply to your primary residence only
• Most require a VA-certified disability rating (often 100%)
• Some states offer partial relief starting at 10–15%

Pro Tip: If you’re rated 100% Permanent & Total (P&T), you may qualify for a full exemption in many states.

State Variations You Should Know

• Texas, Florida, Michigan: Full exemption for 100% disabled veterans
• New York: Tiered exemption starting at 15%; varies by county
• California: Exempts up to $150,000 in home value, adjusted annually
• Important Note: The VA does not issue the exemption—your local assessor's office does, based on VA documentation
  

Do Veterans Pay Property Taxes?

Generally, yes – unless a property tax exemption is in place.

Common Myths:

• “VA pays my taxes.” — False
• “All veterans qualify.” — Only with certain disability ratings
• “It’s automatic.” — You must apply through your local assessor

Helpful Tip:

If you’re using a VA loan, working with a VA loan expert like Be My Neighbour ensures you don't miss applying for exemptions during closing.

State-by-State Disabled Veterans Property Tax Exemptions (2025)

Sources: VA.gov, State Assessor’s Offices (2025 updates)

How to Apply for Your Veterans Property Tax Exemption?

It’s simpler than you think.

Step-by-Step Checklist:

1. Verify Your VA Disability Rating
   
   • Access your Benefits Summary Letter at eBenefits.va.gov
2. Gather Required Documents
   DD-214 (Discharge Documents)
   
   • VA Rating Letter
   • Proof of Homeownership (e.g., property deed)
   • Photo ID + Proof of Primary Residence
3. Contact Your Local Assessor
   Search "[Your County] + property tax exemption"
4. Apply Before the Deadline
   
   • Most states have spring deadlines (March–April)
   • Late applications can delay your benefits by a year‍

Maximize Benefits: Combine VA Loan + Tax Exemption

Let’s say you’re buying a $300,000 home as a 100% disabled veteran:

• $0 down payment with VA loan
• $0 in real estate commissions using reAlpha’s commission-free buying model
• $0 in property taxes with your exemption

Add potential lender credits or waived origination fees, and your homeownership cost is among the lowest possible.

Need help? Combine reAlpha + Be My Neighbour for unmatched savings.

FAQs: Veterans & Property Taxes

Do I qualify if I’m not 100% disabled?‍

Some states begin benefits at 10%, 50%, or 70% disability levels.

Is the exemption automatic?‍

No. You must apply through your county’s tax office.

Can I use both a VA Loan and property tax exemption?‍

Absolutely. These are separate programs that work together to reduce your costs.

Does this affect my home’s resale value?‍

No. The exemption doesn’t alter your home’s market value—it only reduces your tax bill.

Ready to Own a Home Tax-Free?

If you’re a 100% disabled veteran, you could be steps away from ultra-low-cost homeownership.

• Use reAlpha for commission-free buying
  
  
• Get expert help from Be My Neighbour (NMLS ID: 1743790)
  
  

This exemption is your earned right. Claim it and maximize it.