Property Tax · Disability Exemption
Most states reduce or eliminate property taxes on the primary home of a veteran with a service-connected disability. Because the benefit is set by each state — and usually administered by your county — the rules, amounts, and deadlines differ by where you live. A higher VA disability rating generally unlocks a larger benefit, and a 100% permanent and total (P&T) rating often qualifies for the most complete exemption a state offers. This is a state benefit, separate from the federal VA funding fee exemption. Start with your state below, then confirm the current rule with your county.
A disabled veteran property tax exemption lowers, or in some cases fully removes, the property tax owed on a veteran's primary residence. It is separate from the one-time VA funding fee exemption: the funding fee exemption is tied to a VA loan, while a property tax exemption is an ongoing benefit on the home itself. Two veterans with the same rating can receive very different benefits depending on the state and county.
Many states tie the size of the exemption to your VA disability rating. As a general pattern — not legal or tax advice — a higher rating tends to unlock a larger benefit, and a 100% P&T rating often qualifies for the most complete exemption a state offers. Some states also provide partial relief at lower ratings, and several extend a benefit to surviving spouses.
This page is general educational information, not legal or tax advice. Rules and dollar amounts change — always confirm the current rule with your state or county before relying on it.
| State | Benefit (general) | Income limit? | File with | Primary source |
|---|---|---|---|---|
| Florida | Full homestead exemption for a service-connected permanent & total disability; a separate $5,000 partial exemption at 10%+ (F.S. 196.081 / 196.24). FL details → | No (for the P&T exemption) | County Property Appraiser | FL Dept. of Revenue |
| Ohio | Enhanced homestead exemption for 100% service-connected disabled veterans (shields a set amount of market value; amount set by statute — confirm current figure with your county). OH details → | No (for the disabled-veteran enhanced exemption) | County Auditor (Form DTE 105I) | Ohio Dept. of Taxation |
| Tennessee | Property tax relief on up to $175,000 of market value for qualifying disabled veterans (T.C.A. 67-5-704). TN details → | No (for disabled veterans) | County Trustee | TN Comptroller |
Figures and rules are set by each state and can change; the linked official source is the authority — confirm locally before relying on any figure.
Property tax is one of the four parts of a monthly mortgage payment (principal, interest, taxes, insurance). An exemption a veteran is eligible for changes the tax portion — which changes the real cost of owning the home. When I review a veteran's file, I check whether a property tax benefit is in play, because it can change the numbers we're planning around. It's a state benefit you claim with your county, not something a lender grants.
— Chad Evers, Mortgage Loan Originator, NMLS #2822744. Educational, not individualized advice.
Related: VA funding fee exemption · entitlement restoration · two VA loans at once · Next Duty Vet home
Have a question about your VA benefit or a property tax exemption? Ask for an educational review.
Thanks — we serve this state. Start your educational Financial Brief or book a 30-minute review. Property tax exemptions are filed with your county; we can talk through how it fits your housing costs.
We currently serve Ohio, Maryland, Tennessee, and Florida. For other states, your county property appraiser or assessor is the authority on disabled-veteran property tax exemptions.
Educational only — not a commitment to lend, an offer of credit, a determination of eligibility, or tax/legal advice. Loans are originated through Focus Home Mortgage Inc., NMLS #2769672. Equal Housing Lender. Currently serving OH, MD, TN, FL.
It depends on the state. Many states offer a partial or full property tax exemption to veterans with a service-connected disability, and some fully exempt veterans rated 100% permanent and total. Rules, amounts, and qualifying ratings vary by state and are often administered at the county level.
No. Property tax exemptions for disabled veterans are set by each state and frequently administered by individual counties, so eligibility thresholds, exemption amounts, and the application process differ from one state to the next.
In many states a 100% permanent and total service-connected rating qualifies a veteran for a full homestead property tax exemption, but this is not universal. Some states cap the exempt amount or use different criteria, so you should confirm the rule with your state or county.
Applications are generally filed with your local county property appraiser or assessor, usually with your VA disability award letter and proof of residency. Filing deadlines vary by state, so check your county office for the current year deadline.
