How to apply for Property Tax Deferral Program (seniors and active military)
Colorado Department of the Treasury (applications through the County Treasurer)
Who it's for
The Property Tax Deferral Program lets homeowners 65 or older (by December 31, 2026) put off paying their property taxes. The state pays the tax, and the deferred amount becomes a simple-interest loan (4.238% for the 2026-27 tax year) repaid when the home is sold, rented, or transferred. All past taxes must be paid, and all mortgages and liens must total 75% or less of the home's value. Get the application from your County Treasurer and file it between January 1 and April 1. Active military members may also qualify.
A loan, not forgiveness: deferred taxes and interest are repaid from the home. Reverse mortgages are not allowed, prior taxes must be paid in full, and liens must be 75% or less of the home's value. You must reapply each year between January 1 and April 1.
People who qualify for one senior program often qualify for others. See everything you may qualify for — free, no SSN, about five minutes.
Find my benefitsWhat you'll need
- Deferral application from the County Treasurer
- Current mortgage balance
- Proof of age
Where to apply
Apply online: official application
By phone: 1-303-866-5327
What to say when you call
"Hello, I'm calling to ask about Property Tax Deferral Program (seniors and active military). I'd like to know whether I may qualify, what documents I need, and whether I can apply online, by mail, by phone, or in person. I understand I may need deferral application from the County Treasurer, current mortgage balance, proof of age — is anything else required? What is the best next step?"
Tip: have a pen ready, ask for the person's name, and write down any case or reference number they give you.
Renewals
annual
Not sure if you qualify? Run a free check first.
Find my benefitsNot legal or financial advice. The agency makes the final eligibility decision.