How to apply for Senior Citizens Property Tax Deferral in Minnesota

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, and once accepted you do not need to reapply yearly.

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), have a household income of $96,000 or less, and have owned and lived in the home as your homestead for the last 5 years.
2. Gather your required documents: a completed deferral application, proof of age, and household income records.
3. Apply online through the Minnesota Department of Revenue or call them at 1-651-556-4803 to apply by phone.
4. Submit your application and documents through your chosen method — online or by phone with a Department of Revenue representative.

What to expect: After submitting, the Minnesota Department of Revenue will review your application. Processing times vary, so contact the agency at 1-651-556-4803 for an estimate. If approved, your annual property tax payments will be capped at 3% of your household income while enrolled — the rest is deferred. There is no need to reapply each year once accepted. Keep in mind that this is a deferral, not forgiveness: the deferred amounts accrue interest and are repaid from your home equity when the home is sold.

Renewals

none