Over-65 Exemption

Turning 65 freezes your school taxes in Smith County

Once you qualify for the over-65 homestead exemption, your school taxes cannot go higher than the amount you paid in your first qualifying year.

Smith County Money & Taxes

Texas law sets a school tax ceiling for homeowners who are 65 or older. After you qualify, the school portion of your tax bill is locked at that year's amount. It cannot rise even if the school district raises its rate or your value goes up.

This ceiling stays in place as long as you own and live in the home. If you add a room or make major improvements, the ceiling can be adjusted upward. Apply with Smith CAD when you turn 65. Check the current rules at the district's website because details can change.

Source to confirm: Smith CAD — Exemptions FAQ

More Smith County notes

Property Tax Basics

Two offices handle your property tax in Smith County

The Smith County Appraisal District sets your property value; a separate tax office collects what you owe.

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Homestead Exemption

File a homestead exemption to lower your Smith County tax bill

If your home is your primary residence, you can file a homestead exemption with Smith CAD to reduce the taxable value.

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Appraisal Protest

You can protest your property value in Smith County

If you think Smith CAD valued your property too high, you have the right to protest — and the deadline is printed on your appraisal notice.

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Tax Rate Layers

Smith County has 24 separate taxing units on your tax bill

Your property tax bill in Smith County can include charges from up to 24 different taxing units depending on where your land sits.

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