How to apply for Senior Citizens Property Tax Deferral

Who it's for

Lets homeowners 65 or older (if married, one spouse 65+ and the other at least 62) with household income of $96,000 or less defer part of their homestead property tax. The deferred tax becomes a low-interest state lien paid back when the home is sold. Payments are capped at 3% of income while enrolled.

What you'll need

• Deferral application
• Proof of age
• Household income records

Where to apply

What to say when you call

"Hello, I'm calling to ask about Senior Citizens Property Tax Deferral. 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, proof of age, household income records — 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.

Step by step

1. Confirm you meet the basic requirements: you must be 65 or older (if married, one spouse must be 65+ and the other at least 62), your household income must be $96,000 or less, and you must have owned your home for at least 15 years.
2. Gather your required documents: a completed deferral application, proof of age for all qualifying spouses, and household income records.
3. Choose how to apply — submit your application online through the Minnesota Department of Revenue or call them at 1-651-556-4803 for assistance.
4. Submit your completed application and all supporting documents through your chosen method.
5. Renew your deferral application every year to stay enrolled in the program.

What to expect: After submitting, the Minnesota Department of Revenue will review your application. Processing times vary, so contact the agency directly for an estimate. If approved, part of your homestead property tax will be deferred each year, with your payments capped at 3% of your household income while enrolled. Keep in mind that this program is a deferral, not forgiveness — the deferred amounts accrue interest and are placed as a low-interest state lien on your home, to be repaid from your home equity when the home is sold. Because renewal is required every year, watch for notices from the agency and reapply on time to avoid a gap in coverage.

Renewals

annual