Owning a home is one of the biggest milestones for veterans and their families. In Texas, one of the ways the state shows its appreciation is through significant property tax exemptions for disabled veterans. Understanding these exemptions can save veterans thousands of dollars each year, but the rules can feel overwhelming at first glance. This guide breaks down the process, the eligibility requirements, and how to make sure you maximize the benefits you’ve earned.

Why Property Tax Exemptions Matter for Disabled Veterans

Texas property taxes are some of the highest in the nation, averaging around 1.6% of a property’s assessed value. For many homeowners, this can add up to thousands annually. Disabled veterans, however, may qualify for major tax relief depending on their VA disability rating. This exemption doesn’t just ease financial stress—it provides long-term housing stability for those who served.

For veterans living on a fixed income or adjusting to civilian life with service-connected disabilities, the savings from these exemptions can make a meaningful difference.

Who Qualifies for a Texas Disabled Veteran Property Tax Exemption?

Eligibility depends largely on your VA disability rating and the status of your homeownership. Here’s the breakdown:

• 100% Disability Rating or Unemployability (TDIU): Veterans with a 100% permanent and total rating—or those with Individual Unemployability recognized as 100% disabled—receive a 100% property tax exemption on their primary residence. That means no property taxes at all.
• Disability Ratings from 10% to 90%: Veterans with ratings in this range qualify for partial exemptions on their home’s assessed value. The higher the rating, the larger the exemption. For example, a 70% rating provides a bigger exemption than a 30% rating.
• Surviving Spouses and Dependents: In certain cases, surviving spouses of disabled veterans or those who died in the line of duty may also qualify for property tax relief. These protections ensure families of veterans are supported even after their loved one has passed.

How Much Can Veterans Save?

The amount depends on both your VA disability rating and the property’s appraised value. Let’s consider an example:

• A veteran with a 70% disability rating may receive an exemption of $12,000 off the property’s value. If their home is valued at $200,000, they will only be taxed as if it were worth $188,000.
• For a veteran with a 100% rating, no property tax is due at all, regardless of the home’s value.

These exemptions apply only to a veteran’s primary residence. Investment or rental properties are not eligible.

County Variations and Local Benefits

Although exemptions are mandated at the state level, Texas property taxes are collected locally, so rules and applications may vary slightly by county. Some counties even offer additional property tax relief for disabled veterans beyond what state law requires. Checking with your county appraisal district is always a smart step.

How to Apply for the Texas Disabled Veteran Property Tax Exemption

1. Gather Documentation: You will need your VA disability rating letter and proof of ownership for your home.
2. Contact Your County Appraisal District: Applications are typically available online or at your county office.
3. Complete Form 50-114: This is the Texas Comptroller’s official form for homestead and disabled veteran exemptions.
4. Submit Before the Deadline: Applications are generally due by April 30th of each year, but check your county for exact dates.

Once approved, the exemption continues annually, though the county may occasionally request verification.

Common Questions Veterans Ask

Can I transfer my exemption if I move?
Yes. If you sell your home and purchase another primary residence in Texas, you can transfer your exemption to the new property.

What if my disability rating changes?
If your rating increases, you may qualify for a larger exemption. You’ll need to notify your appraisal district and provide updated VA paperwork.

Do surviving spouses qualify?
Yes. If you are the surviving spouse of a veteran who qualified for the exemption, you may continue receiving the benefit as long as you remain in the same home.

Tips for Maximizing Your Benefits

• File Early: Submitting your application well before the deadline helps avoid delays.
• Double-Check Local Perks: Some counties provide extra reductions for disabled veterans beyond the state requirement.
• Combine with Other Exemptions: Veterans may also qualify for a general homestead exemption, which can add to the savings.
• Seek Guidance if Needed: The rules can be confusing. Partnering with a veteran-focused organization like Warrior Allegiance can help ensure you don’t miss benefits.

Why This Matters for Texas Veterans

For many, housing is the largest monthly expense. Property tax exemptions provide real financial relief and reward veterans for their service and sacrifice. But too often, veterans miss out because they don’t know the benefits exist—or because the paperwork feels overwhelming.

At Warrior Allegiance, we’re here to make the process easier. We understand the challenges of navigating complex government systems because we’ve been there ourselves. Built by veterans and run by veterans, our mission is to help you secure the benefits you’ve earned, whether it’s through property tax exemptions, VA disability claims, or transition support.

Final Thoughts

Texas disabled veteran property tax exemptions are one of the most valuable state-level benefits available to veterans. If you’re rated at 10% or higher, you may be entitled to significant savings that directly impact your family’s financial security. The key is knowing your eligibility, filing the proper forms, and following through with your local appraisal district.

If you’re feeling overwhelmed, remember—you don’t have to go through this process alone. Warrior Allegiance can help guide you every step of the way.