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Taxes
Property tax relief for seniors in Indiana
Indiana has 2 programs that can lower property taxes for older adults: Over 65 Circuit Breaker Credit and Over 65 Credit. Each one has its own rules and deadline.
Over 65 Circuit Breaker Credit
If you are 65 or older and your income is under the limit, Indiana keeps the property tax on your home from rising more than 2% over the year before. You apply once with your county auditor, on the same form as the Over 65 Credit.
How to apply
- In person
- File State Form 43708 with your county auditor by January 15 of the year the tax is due, with your federal Form 1040 from two years before
Who may qualify
| Age | 65 or older by December 31 of the year before |
|---|---|
| Income limit, single (2026 pay 2027 tax bills; 2025 federal adjusted gross income) | $61,680 |
| Income limit, married filing jointly (2026 pay 2027 tax bills) | $71,960 |
| Home | Your homestead, which got the homestead standard deduction last year and still qualifies this year |
Source: Indiana Department of Local Government Finance (source 2)
What you may get
| What it does | The tax on your home can't rise more than 2% over the previous year's tax |
|---|
Source: Indiana Department of Local Government Finance (source 2)
Dates, renewals and waiting lists
| Application deadline | January 15 of the year the tax bill is due (for example, January 15, 2027 for 2026 pay 2027 bills) |
|---|---|
| Do you reapply? | No, only if the home is sold or the title changes |
Source: Indiana Department of Local Government Finance (source 1)
How Indiana is different
Where Indiana's rules differ from the federal rules for Property tax relief for seniors.
- The income limits rise each year with the Social Security cost-of-living adjustment; for 2026 pay 2027 bills they are $61,680 single and $71,960 married
Source: Indiana Department of Local Government Finance (source 3)
Good to know
- The income limits were raised in 2025, from $30,000 and $40,000 to $60,000 and $70,000, starting with 2026 tax bills.
Source: Indiana Department of Local Government Finance (source 3)
Over 65 Credit
Indiana takes $150 off the property tax bill of homeowners 65 or older with income under $60,000 (single) or $70,000 (married). You need to have owned the home for at least a year. You apply once with your county auditor.
How to apply
- In person
- File State Form 43708 with your county auditor by January 15 of the year the tax is due
Who may qualify
| Age | 65 or older by December 31 of the year before (or a surviving spouse 60 or older who hasn't remarried, if the person who died was 65) |
|---|---|
| Income limit, single return (federal adjusted gross income from two years before the tax is due) | $60,000 |
| Income limit, joint return or co-owners | $70,000 |
| Home | You own (or are buying under a recorded contract) the home, mobile home or manufactured home, and have for at least one year |
Source: Indiana Department of Local Government Finance (source 2)
What you may get
| Credit | $150 off your property tax bill (less if a co-owner other than your spouse is under 65) |
|---|
Source: Indiana Department of Local Government Finance (source 2)
Dates, renewals and waiting lists
| Application deadline | January 15 of the year the tax bill is due |
|---|---|
| Do you reapply? | No, only if the home is sold or the title changes |
Source: Indiana Department of Local Government Finance (source 2)
How Indiana is different
Where Indiana's rules differ from the federal rules for Property tax relief for seniors.
- You can't lose the credit just because you are away in a nursing home or hospital
Source: Indiana Department of Local Government Finance (source 2)
Good to know
- Indiana's homestead standard deduction for all homeowners is shrinking each year, from $48,000 in 2025 to $40,000 in 2026 and $30,000 in 2027, and to $0 starting with the 2030 assessment date.
Source: Indiana Department of Local Government Finance (source 2)
Free help
Free help with this in Indiana
Bureau of Better Aging (BBA)
Your local Area Agency on Aging can help with meals, rides, help at home, caregiver support and applying for benefits.
More help in Indiana
Property tax relief in another state
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- District of Columbia
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
Sources
- Indiana Department of Local Government Finance, Deductions and Credits (official government site). Checked Oct 28, 2026.
- Indiana Department of Local Government Finance, Indiana Property Tax Benefits, State Form 51781 (R20 / 8-25) (official government site). Checked Oct 28, 2026.
- Indiana Department of Local Government Finance, Over 65 Circuit Breaker Income Threshold Calculation for Pay 2027 (memo of April 20, 2026) (official government site). Checked Oct 28, 2026.
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