Maryland · Property tax exemptions for seniors · Updated Oct 2026

Maryland property tax exemptions for seniors (2026)

Every statewide property tax break for older homeowners in Maryland that our guide lists: extra exemptions, freezes, deferrals and age-based credits. What each is worth, the starting age, the income limit, the deadline and how to apply.

Short answer

The main property tax break for seniors in Maryland is the Local senior and veteran credits (county option). Counties and Baltimore City may add their own credits.

Worth: See the rules
Age: See who qualifies
Income limit: Depends on the county.
Deadline: Set locally

Property tax breaks for seniors in Maryland

Seniors

Local senior and veteran credits (county option)

Counties and Baltimore City may add their own credits. Example, Montgomery County: a Senior Property Tax Credit for people 65+ who qualify for the State Homeowners' Tax Credit or the county supplement; a 20% county tax credit for 7 consecutive years for people 65+ who have owned and lived in the home 40+ consecutive years (assessment $700,000 or less) or are retired military (assessment $550,000 or less); and a disabled-veteran credit of 25% (50%-74% rating) or 50% (75%+ rating) of county tax.

Who qualifies: Depends on the county. See your county finance office.
Income limit: Depends on the county.
How to apply: Montgomery County: the senior credit is claimed on the State Homeowners' Tax Credit application; the 65+/retired military and disabled veteran credits are separate applications to the County Department of Finance.
Deadline: Montgomery County: April 1 for the 65+/retired military credit and the disabled veteran credit (April 1, 2026).
Renewal: Depends on the credit.
Law: Montgomery County Bills 42-16, 13-17, 21-19, 6-24; local credits authorized under Md. Code, Tax-Property Title 9

Source: official page

How to apply, step by step

Local senior and veteran credits (county option)

Montgomery County: the senior credit is claimed on the State Homeowners' Tax Credit application; the 65+/retired military and disabled veteran credits are separate applications to the County Department of Finance.

Deadline: Montgomery County: April 1 for the 65+/retired military credit and the disabled veteran credit (April 1, 2026).

Renewal: Depends on the credit.

Savings estimate for Maryland

None of these breaks is one fixed dollar amount taken off your home's value, so we can't estimate the savings here. What each one is worth is on its card above.

Eligibility finder for Maryland

Answer a few questions to see which property tax breaks may fit you. Nothing you type here is sent anywhere.

Pre-set for seniors: you own and live in the home, age 65. Change any answer to your own.

Do you own the home and live in it as your main home?

Your age, or the year you were born

Leave empty if you'd rather not say.

Are you a veteran?

Do you have a permanent disability?

Are you the surviving spouse of a veteran, service member or first responder?

Yearly household income ($)

Everyone in the home, before taxes. Optional: used only to compare with income limits.

Do you own and live in the home?Answer the first question to see results.

A first check, not a decision: only your county, city or town assessor decides. We read ages, ratings and income limits only where the official rule states them plainly; otherwise we show the rule for you to check.

Document checklist for Maryland

Pick the breaks you plan to apply for. You get a checklist of forms, documents, steps and deadlines to print or keep on your phone.

Questions about seniors property tax breaks in Maryland

Who qualifies for property tax breaks for seniors in Maryland?

Local senior and veteran credits (county option): Depends on the county. See your county finance office.

Is there an income limit for seniors' property tax breaks in Maryland?

Local senior and veteran credits (county option): Depends on the county.

When is the deadline for seniors to apply in Maryland?

Local senior and veteran credits (county option): Montgomery County: April 1 for the 65+/retired military credit and the disabled veteran credit (April 1, 2026).

Do seniors have to reapply every year in Maryland?

Local senior and veteran credits (county option): Depends on the credit.

Where do seniors apply for property tax breaks in Maryland?

The State Department of Assessments and Taxation (SDAT) runs the Homestead Tax Credit and the Homeowners' Tax Credit (you apply to SDAT online or by mail) and decides the disabled-veteran and blind exemptions (you send those applications to SDAT's local assessment office in your county). Extra local credits are run by each county or Baltimore City finance office. For the Local senior and veteran credits (county option): Montgomery County: the senior credit is claimed on the State Homeowners' Tax Credit application; the 65+/retired military and disabled veteran credits are separate applications to the County Department of Finance.

More for Maryland homeowners

Seniors in nearby states

Sources

Last checked: Oct 2026.