Florida offers one of the most generous homestead exemptions in the country, providing significant property tax relief for homeowners. For Florida seniors, additional exemptions may be available, reducing annual property taxes and helping older residents stay in their homes. As an experienced Florida elder law attorney, I help seniors navigate their legal and financial options to protect their assets.
Here’s what you need to know about Florida’s homestead exemption and how it benefits seniors in Florida.
What Is Florida’s Homestead Exemption?
The Florida Homestead Exemption is a property tax benefit that reduces the taxable value of a primary residence. Eligible homeowners can receive up to a $50,000 exemption, applied as follows:
✔ First $25,000 applies to all property taxes, including school district taxes.
✔ Second $25,000 applies to non-school taxes for properties assessed over $50,000.
This exemption can significantly lower a senior homeowner’s annual property tax bill, making homeownership more affordable in retirement.
Additional Homestead Exemptions for Florida Seniors
Seniors 65 and older may qualify for additional exemptions, depending on their county or city of residence. These include:
✔ Senior Limited-Income Exemption – Some Florida counties offer an additional $50,000 exemption for seniors who meet income requirements. In 2025, the income cap is adjusted annually for inflation.
✔ Long-Term Residency Exemption – Seniors who have lived in their homestead property for at least 25 years, have an income within the set limit, and own a home worth less than $250,000 may qualify for a full exemption from property taxes in certain counties.
✔ Veteran and Disability Exemptions – Florida also offers property tax discounts for senior veterans, disabled individuals, and surviving spouses of first responders.
How to Apply for the Florida Homestead Exemption
To claim the homestead exemption, you must:
- Own and occupy your Florida home as your primary residence by January 1st of the tax year.
- File an application with your county property appraiser’s office by March 1st.
- Provide proof of residency, such as a Florida driver’s license, voter registration, or utility bill.
Seniors applying for income-based exemptions must submit proof of income each year.
Consult And Work With A Florida Elder Law Attorney
The homestead exemption is a powerful tool for seniors looking to reduce their property tax burden and protect their homes. With the assistance of a knowledgeable elder law attorney like Heidi Friedman, Esq. at Friedman Elder Law and Estate Planning Department, you can navigate the process smoothly.
Please remember that Friedman Elder Law & Estate Planning are not financial advisors or professional accountants. We provide information as a resource to your tax planning and highly suggest you work with a trusted professional accountant that is familiar with this type of care.
For assistance with estate planning in Florida, more information on the Homestead Exemption in Florida, and all aspects of Elder Law in South Florida, the offices of Friedman Elder Law & Estate Planning Department can help you with the process from start to finish at any stage in your life.
Our Elder Law and Estate Planning team in Broward County and our Elder Law and Estate Planning team in Palm Beach County are here to answer any questions you may have about elder law and estate planning in Florida.
Contact our office today to begin building your legacy with love. Together, we’ll create a plan that safeguards your wishes and ensures your loved ones are cared for when they need it most.
To schedule a free consultation, please call 954-866-1055 or contact us through our website here.
Friedman Elder Law and Estate Planning Department
11555 Heron Bay Blvd
Suite 200
Coral Springs, FL 33076
904-329-7242
Elder Law and Estate Planning in Broward County, Florida
Elder Law and Estate Planning in Palm Beach County, Florida
Elder Law and Estate Planning in Miami-Dade County, Florida
