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Senior property tax breaks on the Nature Coast
Florida is kind to older homeowners, and stacking the exemptions can cut a property tax bill a lot. Here are the breaks every senior should check, the income limit for the 65-and-older exemption, and how to apply in Citrus, Hernando, and Pasco County.
Last reviewed: August 10, 2026
The short version:
- Homestead exemption: up to $50,000 off the taxable value of your permanent home.
- Save Our Homes cap: once you have homestead, your assessed value can rise no more than 3% a year.
- Extra break at 65+: most counties add a senior exemption (up to $50,000) for owners 65+ under an income limit.
- Income limit is yearly: about $37,000-$38,000, adjusted each year -- confirm the current figure.
- Apply by March 1 with your county Property Appraiser. You only apply once.
Common questions
- What property tax breaks do Florida seniors get?
- The homestead exemption (up to $50,000 off taxable value) and the Save Our Homes 3% cap for every permanent home, plus, in most counties, an additional exemption for owners 65+ under an income limit, and extra exemptions for widows/widowers, disability, and veterans.
- What is the additional homestead exemption for seniors 65 and older?
- Under Florida law (196.075), counties may offer owners 65+ with limited income an extra exemption up to $50,000, and, for 25-year long-term residents whose home is worth under $250,000, an exemption equal to the home's assessed value. Each county chooses which to offer.
- What's the income limit for the senior exemption?
- A household-income limit set by the state and adjusted yearly -- $37,694 for 2025, and $38,686 for 2026 in Pasco. Confirm the current figure with your county Property Appraiser.
- Does my county offer the senior exemption?
- Most do. Pasco has adopted the additional $50,000 senior exemption; Citrus and Hernando also offer senior exemptions. Confirm the exact amount and income limit with each county's Property Appraiser below.
- How do I apply, and what's the deadline?
- Apply through your county Property Appraiser, usually by March 1. At least one owner must be 65 on January 1, with proof of age and income. You apply once and it renews while you qualify.
- What other property tax exemptions exist?
- A $5,000 widow/widower exemption, a $5,000 (or full) disability exemption, and veterans' exemptions -- including a full exemption for veterans totally and permanently disabled from service. Ask your Property Appraiser.
The breaks every senior should stack
| Break | What it does |
|---|---|
| Homestead exemption | Up to $50,000 off the taxable value of your permanent main home. |
| Save Our Homes cap | Limits your assessed-value increase to 3% a year (or inflation, if lower). |
| Portability | Carry up to $500,000 of built-up Save Our Homes savings to a new Florida home. |
| Senior exemption (65+) | An extra exemption (up to $50,000) for owners 65+ under the income limit -- if your county offers it. |
| Long-term resident 65+ | For 25-year residents with a home under $250,000, an exemption equal to the assessed value -- if adopted locally. |
The senior exemption, in plain terms
Beyond the standard homestead, Florida lets each county and city offer an additional exemption for homeowners 65 and older whose household income falls under a state limit. The limit is adjusted every year -- it was $37,694 for 2025, and Pasco County lists $38,686 for 2026. Pasco has adopted the full $50,000 senior exemption. Citrus and Hernando also offer senior breaks; the exact amount your county grants, and this year's income limit, are set locally, so confirm with your Property Appraiser before you apply.
Apply through your county Property Appraiser
Applications are usually due March 1. Start on your county's official Property Appraiser site (August 2026):
| County | Property Appraiser |
|---|---|
| Citrus | citruspa.org -- exemptions & senior filing |
| Hernando | hernandopa-fl.us -- low-income senior exemption |
| Pasco | pascopa.com -- senior (65+) exemption |
Sources
- Florida Statutes 196.075 -- Additional homestead exemption for persons 65 and older. https://www.flsenate.gov/Laws/Statutes/2025/196.075
- Florida Department of Revenue -- Property Tax Benefits for Persons 65 or Older (PT-110) & exemptions. https://floridarevenue.com/property/Documents/pt110.pdf
- Florida Department of Revenue -- Two Additional Homestead Exemptions for Persons 65 and Older. https://floridarevenue.com/property/Documents/AdditionalHomesteadExemptions.pdf
- County Property Appraisers: citruspa.org, hernandopa-fl.us, pascopa.com.
Please read: Nature Coast Senior Home is an independent guide, not a tax authority, and this is general information, not tax or legal advice. Exemption amounts, income limits, and which breaks each county offers change and are set locally -- confirm everything with your county Property Appraiser and the Florida Department of Revenue before you rely on it. We don't collect or sell your information.