Three federal or ballot items hit the house or the premium this year. Under them, the ordinary homestead break in all 50 states.
Texas. Proposition 13 passed in November 2025. The school-district homestead exemption is $140,000 for this tax year, up from $100,000. No state income tax. The bill is the house.
Florida. Amendment 3 is on the November 3, 2026 ballot. It would raise the non-school homestead exemption to $150,000 in 2027 and $250,000 in 2028. School taxes keep today's exemption. On a Citizens policy the premium already beats the tax bill in 29 of 67 counties.
Part B. Standard premium stays $202.90 if 2024 income was $109,000 or under on a single return, $218,000 joint. One dollar over and it is $284.10. A Roth conversion or a house sale in the lookback year is how people walk into it.
| Single MAGI | Joint | Part B / month |
|---|---|---|
| $109,000 or under | $218,000 or under | $202.90 |
| to $137,000 | to $274,000 | $284.10 |
| to $171,000 | to $342,000 | $405.80 |
| to $205,000 | to $410,000 | $527.50 |
| to $500,000 | to $750,000 | $649.20 |
| $500,000 and up | $750,000 and up | $689.90 |
Homestead, all 50
Ordinary owner-occupant property-tax break for 2026. Senior, veteran, and disability add-ons are usually larger and are not in this column. Confirm with the county assessor before you file.
| State | General break | File |
|---|---|---|
| Alabama | $4,000 state + $2,000 county off assessed value | File by Dec. 31 |
| Alaska | No statewide exemption. Local residential break up to $50,000 | Town sets the date |
| Arizona | No exemption. Homeowner rebate cuts school tax about 40%, cap $600 | Automatic |
| Arkansas | Up to $600 credit, plus a 5% assessment cap | Oct. 15 |
| California | $7,000 off taxable value. Prop 13 caps the assessment rise at 2% | Feb. 15 |
| Colorado | No general exemption. Senior and veteran only | — |
| Connecticut | No general exemption | — |
| Delaware | No general exemption. Senior school-tax credit only | April 30 for that credit |
| Florida | $50,000 off assessed value. Save Our Homes caps the rise at 3% | March 1 |
| Georgia | $2,000 off assessed value on the standard exemption | April 1 |
| Hawaii | County figure. Honolulu is about $120,000 | Honolulu Sept. 30 |
| Idaho | Half the home value, capped at $125,000 | April 15 if not already coded |
| Illinois | $10,000 EAV in Cook, $6,000 most other counties | One filing, then it renews |
| Indiana | $48,000 standard deduction plus a supplemental | Dec. 31, then it renews |
| Iowa | 10% of taxable value, floor $5,500, cap $20,000 | July 1 |
| Kansas | No general exemption. Means-tested refund only | Refund due April 15 |
| Kentucky | No general exemption. Age 65 or disabled: about $49,100 | Apply in the tax year |
| Louisiana | First $75,000 of value exempt | Parish sets the date |
| Maine | $25,000 off valuation, adjusted by the town ratio | April 1 |
| Maryland | Credit caps the taxable assessment rise at 10% a year | One-time application |
| Massachusetts | No statewide exemption. A few towns offer a local one | About April 1 where offered |
| Michigan | Principal residence exemption, up to 18 school mills | June 1 and Nov. 1 |
| Minnesota | Market-value exclusion up to $38,000, phases out near $517,200 | Dec. 31 |
| Mississippi | Credit up to $300 if you are under 65 | April 1 |
| Missouri | No general exemption. Circuit-breaker for seniors and disabled | Automatic for that credit |
| Montana | Lower class rate on a primary residence | March 1 |
| Nebraska | No general exemption. Seniors, disabled, veterans, income-tested | June 30 |
| Nevada | 3% cap on the annual tax-bill increase | Card after you buy |
| New Hampshire | No statewide exemption. Local elderly, veteran, disabled only | April 15 where offered |
| New Jersey | No exemption. ANCHOR rebate and Senior Freeze | ANCHOR filed each year |
| New Mexico | $2,000 off taxable value for a head of family | End of February |
| New York | Basic STAR on school taxes. Amount is local | Register with the state |
| North Carolina | No general exemption. Senior, disabled, veteran only | June 1 for those |
| North Dakota | Primary residence credit up to $1,600 | April 1 |
| Ohio | No general exemption. 2.5% owner-occupancy credit for everyone | Dec. 31 |
| Oklahoma | $1,000 off assessed value | March 15 |
| Oregon | No exemption. Measure 5 and 50 caps do the work | — |
| Pennsylvania | Local homestead exclusion, paid with gaming money | March 1 |
| Rhode Island | No statewide exemption. Some towns opt in | Town sets the date |
| South Carolina | Owner-occupants assessed at 4%, other property at 6% | Before Jan. 15 |
| South Dakota | No value cut. Owner-occupied class lowers the school levy | March 15 |
| Tennessee | No general homestead exemption | — |
| Texas | $140,000 school-district exemption, plus a 10% appraisal cap | April 30 |
| Utah | 45% residential exemption. Taxed on 55% of value | Automatic in most counties |
| Vermont | No value cut. Homestead declaration lowers the education rate | April 15 |
| Virginia | No general property-tax homestead exemption | — |
| Washington | No general exemption. Senior and disabled programs are local | — |
| West Virginia | None for a working-age owner. $20,000 if 65 or disabled | Dec. 1 for that break |
| Wisconsin | No value cut. Lottery credit, about $150 to $350 | Automatic |
| Wyoming | 25% off fair market value, first $1,000,000, tax years 2025 and 2026 | March 1 |