You — or Someone You Love — Could Be Overpaying Property Taxes.

If you're an Arizona homeowner 65 or older — or you're helping a parent who is — the state has real tax breaks most people never claim: a value freeze, exemptions, and a refund credit. The catch? None are automatic, and you have to apply. Let me help you fix that.

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Frank Martin Jr. · Realtor®

Tax Relief Programs

65+

Age to Qualify

$502

Possible Refund

Cost to Get Help

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The One Thing Nobody Tells Arizona Seniors

There is no automatic exemption just for turning 65 — but there are three programs that can lower or freeze what you owe. You have to apply, and you have to hit the deadline.

Quick gut-check: Are you — or a parent — 65 or older and living in an Arizona home? If yes, at least one of these programs almost certainly applies — keep reading.

Your Options, In Plain English

3 Arizona Tax Breaks for Seniors

Here's exactly what each program does, who qualifies, and how to apply (2026 figures).

The Big One

Senior "Freeze"

Senior Valuation Protection

Locks the home value your taxes are based on for 3 years, so it can't keep climbing.

At least one owner age 65+
Primary residence, owned 2+ years
Income under $47,712 (one owner) or $59,640 (two or more)
Renewable every 3 years

File: Form 82104 • Deadline: Sept 1

A True Exemption

Widow / Widower / Disability

Removes assessed value directly off the tax bill for those who qualify.

Widow, widower, or totally & permanently disabled
Exempts $4,873 of assessed value (2026)
AZ property value under $36,454
Income under $39,865 ($47,826 w/ minor children)

File: Form 82514 • Window: Jan 2 – Mar 1

Money Back

Senior Refund Credit

A refundable state income-tax credit for lower-income seniors.

Homeowner or renter age 65+
Worth up to $502 back
Based on income + property tax or rent paid
Claimed with your AZ income tax return

File: Form 140PTC

Bonus: in some counties (like Maricopa), seniors approved for the Freeze automatically get an extra school-tax reduction through the Elderly Assistance Fund — no separate application.

2026 Numbers At A Glance

The Figures That Decide Who Qualifies

Income is averaged from all sources — including Social Security — over the prior three years.

$47,712Senior Freeze income limit — one owner ($59,640 for two or more)

$4,873Assessed value exempted under the widow / widower / disability exemption

$502Maximum refundable credit for lower-income seniors (Form 140PTC)

Not Sure Which One Fits? Let's Find Out.

Deadlines are easy to miss and the rules vary by county. Tell me a little about the situation and I'll point you to the right program — whether it's for you or for a parent. Free, no pressure.

(602) 857-7723

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7616 W Thunderbird Rd, Peoria, AZ 85381

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Disclaimer: This page is for general educational purposes only and is not legal, tax, or financial advice. Program rules, dollar limits, and deadlines are based on 2026 figures, can change, and vary by county. Always confirm eligibility and current requirements with your county assessor or a qualified tax professional before applying.