At What Age Do You Stop Paying Property Taxes in North Carolina?

Property taxes are a significant part of homeownership in North Carolina, but as you age, you may wonder if there are exemptions or relief programs that can help reduce this financial burden. In this blog post, we will actively explore property tax exemptions based on age in North Carolina, providing valuable insights into when you may become eligible for tax relief. Planning for your financial future includes understanding the tax benefits available to seniors in the Tar Heel State.

The Property Tax Exemptions Based on Age in North Carolina
The Property Tax Exemptions Based on Age in North Carolina

Relief for Seniors and Disabled Individuals

What Is the Elderly or Disabled Exclusion?

In North Carolina, the Elderly or Disabled Exclusion is a property tax relief program that benefits senior citizens aged 65 and older, as well as individuals with disabilities. It allows eligible homeowners to exclude a portion of their property’s appraised value from taxation, reducing the overall property tax bill.

Age and Disability Eligibility

To qualify for the Elderly or Disabled Exclusion, you must be at least 65 years old as of January 1st of the tax year in question or totally and permanently disabled as of that date. The disability must be verified by the Social Security Administration or the Veterans Administration.

The Circuit Breaker Tax Deferment

Preventing Excessive Tax Burdens

The Circuit Breaker Tax Deferment program in North Carolina provides property tax relief to eligible seniors and disabled individuals whose property taxes exceed a certain percentage of their income. It helps prevent excessive tax burdens by deferring a portion of property taxes until a later date, typically when the property is sold or transferred.

Age and Income Requirements

To qualify for the Circuit Breaker Tax Deferment, you must be at least 65 years old as of January 1st of the tax year and have an income not exceeding a specified limit. The income limit varies each year, so it’s essential to check the current guidelines.

The Circuit Breaker Tax Deferment
The Circuit Breaker Tax Deferment

Disabled Veterans Exclusion

Honoring Service

North Carolina offers property tax relief to disabled veterans. To qualify for this exemption, a veteran must have a permanent and total service-connected disability rating from the U.S. Department of Veterans Affairs (VA). This exemption allows disabled veterans to be exempt from paying property taxes on their primary residence. The exemption applies to both the home and up to one acre of land associated with the residence.


Eligibility for this exemption is based on the disability rating provided by the VA. Veterans with a 100% permanent and total disability rating from the VA are eligible for this exemption. To receive the Disabled Veterans Exclusion, veterans need to apply through their county’s tax office. They will typically need to provide documentation that verifies their disability rating.

Application Process

Applying for Exemptions

To benefit from these property tax exemptions and deferments, you must apply through your county’s tax office. The application process typically involves providing documentation to prove your age, disability status, and income. Be sure to check with your local tax office for specific requirements and deadlines.

As you age in North Carolina, you may become eligible for property tax relief through programs like the Elderly or Disabled Exclusion and the Circuit Breaker Tax Deferment. These tax benefits can significantly reduce your property tax liability, allowing you to better plan for your financial future.

It’s essential to stay informed about the eligibility criteria, income limits, and application process for each program to take full advantage of the tax relief opportunities available to you. By leveraging these tax benefits, you can enjoy the benefits of homeownership while ensuring that property taxes remain manageable during your retirement years.

Helpful Links:

North Carolina Department of Revenue – Property Tax Relief Programs

North Carolina General Statutes – Circuit Breaker Tax Deferment

North Carolina Department of Revenue – Disabled Veterans Exclusion

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