Bexar County TX Homestead Exemption: Rules & Savings

Bexar County property-tax guide • 2026 rules and current BCAD process

Bexar County TX Homestead Exemption: Rules & Savings

If your Bexar County home is your principal residence, the residence homestead exemption can reduce taxable value and may also activate Texas’ 10% residence-homestead appraisal cap in later years. For 2026, the general school-district homestead exemption is $140,000, while qualifying homeowners age 65 or older or disabled receive an additional $60,000 school exemption.

You apply through the Bexar Central Appraisal District (BCAD), not the Bexar County Tax Assessor-Collector and not the Texas Comptroller. BCAD approves exemptions and appraises property; the Tax Assessor-Collector later calculates and collects tax bills using certified taxable values and adopted tax rates.

Reviewed Aug. 23, 2026 BCAD + Texas Comptroller sources Application fee: $0
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Start here

Bexar County Homestead Exemption Quick Facts

Apply with Bexar Central Appraisal District BCAD
General school exemption $140,000 Current Texas school-district amount
65+ / disabled school add-on $60,000 Additional mandatory school exemption
General filing deadline April 30 Generally due no later than this date
Homestead appraisal cap 10% per year Plus qualifying new improvements
Application fee $0 BCAD says exemption filing is free
Important 2026 name change:

If older paperwork says “Bexar Appraisal District,” it refers to the same appraisal district. The agency changed its public name to Bexar Central Appraisal District effective January 1, 2026; the change did not alter its legal structure or responsibilities.

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Avoid the wrong office

BCAD vs. Bexar County Tax Office: Who Handles Your Homestead?

Homestead questions frequently get sent to the wrong office because “property tax” involves several agencies. Use this routing rule.

Exemption + value

Bexar Central Appraisal District

  • Approves or denies homestead exemptions
  • Determines market/appraised value
  • Applies appraisal caps
  • Handles appraisal protests
  • Maintains property and exemption records
Official BCAD website
Bill + payment

Bexar County Tax Assessor-Collector

  • Calculates tax bills from certified values/rates
  • Collects property-tax payments
  • Provides tax statements
  • Administers qualifying payment plans
  • Does not set property values
Bexar County Tax Office
State rules + forms

Texas Comptroller

  • Publishes statewide property-tax guidance
  • Publishes Form 50-114
  • Explains statewide exemption statutes
  • Does not approve your Bexar application
Texas exemption guidance
Practical rule:

Need to add or fix the exemption? Contact BCAD. Need to pay the bill or ask about a payment plan? Contact the Bexar County Tax Assessor-Collector.

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What the exemption actually changes

How Much Can the Bexar County Homestead Exemption Save?

There is no single Bexar County “homestead savings amount.” Your final reduction depends on the taxing units attached to your property, each unit’s exemption rules, your taxable/appraised value and the tax rate adopted for that year.

Mandatory school homestead exemption $140,000 Subtracts up to $140,000 from taxable value for school-district taxation.
Extra school exemption if 65+ or disabled +$60,000 Qualifying homeowners can receive the additional mandatory school exemption.

Simple school-tax example

If a qualifying home has a $300,000 value before the school homestead exemption and no other limitation changes the example, the $140,000 school exemption would leave $160,000 subject to that school tax. The actual tax bill still depends on the school district’s adopted rate.

Illustrative Bexar homestead taxable-value comparison Shows an official BCAD example using 220,000 dollars of assessed value: 220,000 before exemption, 160,000 for taxing units with a 20 percent local option based on the 300,000 dollar market value in the example, and 80,000 for the school district after the 140,000 dollar school homestead exemption. BCAD 2026 explanatory example: taxable-value comparison $300,000 market value • $220,000 assessed/capped value in BCAD example Before exemption $220,000 20% local-option example* $160,000 School $140k exemption $80,000 *BCAD’s example applies a $60,000 local-option amount (20% of $300,000) to selected taxing units.

What BCAD’s own 2026 example shows

In an April 2026 BCAD explanation, a hypothetical property with a $300,000 market value and $220,000 assessed value was shown with different exemptions by taxing unit. In that example, Bexar County, University Health and the City of San Antonio each used a 20% local-option homestead exemption; San Antonio River Authority used 4%; Alamo College used 1%; Bexar County Road & Flood used both a $3,000 state-mandated amount and 20% local option; and Northside ISD used the $140,000 school exemption.

BCAD illustrative example — not a universal tax bill
Taxing unit in BCAD example Exemption used in example Taxable value shown
Bexar County Road & Flood $3,000 + 20% local option $157,000
San Antonio River Authority 4% local option $208,000
Alamo College 1% local option $217,000
University Health 20% local option $160,000
Bexar County 20% local option $160,000
City of San Antonio 20% local option $160,000
Northside ISD $140,000 school homestead $80,000
Do not copy those percentages onto your own tax bill.

Your city, school district and special districts may be different, and local-option exemptions can change. Use your BCAD property record and the official tax-rate/exemption information for your actual taxing units.

Practical tool

Taxing-Unit Savings Estimator

Use this after you know the taxable/appraised value before the specific exemption, the exemption amount applying to that taxing unit and that unit’s tax rate. This is an estimator, not an official tax bill.

Estimated taxable value $80,000.00
Estimated tax before $2,210.78
Estimated tax after $803.92
Estimated reduction $1,406.86
Default values reproduce the Northside ISD portion of BCAD’s published explanatory example. Change the inputs for your taxing unit. Actual calculations can differ because of appraisal caps, local exemption rules, tax ceilings, prorations and other statutory adjustments.
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Core eligibility

Who Qualifies for the Bexar County Residence Homestead Exemption?

For the general residence homestead exemption, BCAD identifies three core requirements:

1 Principal residence

You must live in the property as your primary residence.

2 Ownership interest

You must own an interest in the property. Special rules can apply to trusts, heir property and manufactured homes.

3 No second homestead

You cannot claim a residence homestead exemption on another residence in Texas or outside Texas.

What can count as the homestead?

Texas guidance allows the residence homestead to include the house and up to 20 acres of land used for residential purposes. If part of the property is used to produce income, Form 50-114 asks for the income-producing percentage because the exemption applies to the residential portion rather than automatically exempting unrelated business use.

Bought the home after January 1?

You may qualify for the residence homestead exemption for the applicable portion of that tax year after you acquire and occupy the property if the prior owner was not already receiving the same exemption for that year. This is one reason not to assume you must wait until the next January 1.

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BCAD online workflow

How to Apply for the Bexar County Homestead Exemption Online

BCAD encourages property owners to use its Online Services Portal. The portal is also used for protests and electronic notices, but the exemption application is a separate task inside the account.

  1. 1

    Confirm the property is listed with BCAD

    Use BCAD Property Search to locate the property. Check the property address, owner information, Property ID and current exemptions before you apply.

    Open BCAD-linked Property Search
  2. 2

    Open BCAD Online Services

    Use the Online Services page on bcad.org. Create an account if you do not already have one.

    BCAD Online Services
  3. 3

    Have your Owner/Agent ID and PIN ready

    BCAD says the ID and case-sensitive PIN are printed on your appraisal notice and accompanying letter. A prior-year notice can also be used if the credentials are still valid for the account.

  4. 4

    If you do not have the PIN, request it early

    BCAD will not provide the PIN by phone. You can request that it be mailed by calling Customer Service at 210-242-2432 or using the Help Center.

    Waiting for a PIN does not extend the exemption deadline.

  5. 5

    Log in and select the residence-homestead exemption service

    Select the correct property/account. Do not accidentally file against another property if you own more than one parcel.

  6. 6

    Complete the eligibility questions

    Be ready to provide ownership information, acquisition date, date the property became your principal residence, previous homestead information, ownership percentage and any special exemption category requested.

  7. 7

    Upload a matching Texas driver’s license or Texas ID

    BCAD normally requires the address on the ID to match the property for which you are requesting the homestead exemption, subject to statutory exceptions discussed below.

  8. 8

    Upload special supporting documents if your situation requires them

    Examples include deed/ownership evidence, trust documentation, heir-property documents, TDHCA manufactured-home ownership information, Social Security disability evidence or VA documentation.

  9. 9

    Review before submitting

    Form 50-114 contains an affirmation that the information is true, that you meet the applicable qualifications and that you are not claiming another residence homestead.

  10. 10

    Keep your submission evidence

    Save the confirmation page, ticket, PDF or other proof showing what you submitted and when. Then monitor the BCAD property record and any notices sent to you.

You do not need to pay a company to file.

BCAD repeatedly states that applying for property-tax exemptions and using appraisal-district services is free. A private solicitation that looks official is not the BCAD application simply because it knows your address or property information.

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Document checklist

Documents BCAD May Require for a Homestead Application

The exact packet depends on the applicant and ownership type. BCAD’s 2026 required-document guidance is more specific than many generic homestead articles.

Most applicants

Texas driver’s license / ID

Provide a current Texas driver’s license or Texas identification card showing the homestead property address, unless a statutory exception or waiver applies.

BCAD ownership not updated

Recorded deed

If BCAD does not yet list the property in your name, BCAD asks for a copy of the recorded deed so ownership can be updated.

Property held in trust

Trust documentation

BCAD asks for a Certificate of Trust or relevant trust section showing that the applicant is a trustor or beneficiary, including the signed and notarized portion.

Deceased prior owner

Death + inheritance documents

BCAD may require death certificate(s), a recorded affidavit of heirship or a probated will, depending on how title passed.

Manufactured home

TDHCA ownership record

BCAD asks for a Texas Department of Housing and Community Affairs Statement of Ownership; other ownership evidence can apply under Form 50-114 rules.

Disabled person

SSA benefit verification

BCAD’s current guidance requests a current Social Security Administration Benefit Verification Letter indicating disability benefits; BCAD describes “current” as dated within two years in its required-document article.

100% disabled veteran

VA documentation

BCAD asks for a current VA letter confirming 100% service-connected disability compensation or individual unemployability, together with the standard homestead identification requirements.

New 2026 surviving-spouse category

Marriage, death and VA/DIC evidence

For the new Tax Code §11.136 exemption, BCAD lists a marriage certificate, death certificate, completed homestead application and VA letter confirming DIC/service-connected cause of death, plus matching Texas ID.

BCAD can ask for more information.

Form 50-114 states that the chief appraiser may request additional information needed to evaluate an application. The form says the property owner must comply within 30 days of the request unless an extension applies; otherwise the application can be denied.

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Deadlines and late filing

Bexar County Homestead Exemption Deadline and Late Applications

General deadline April 30

Form 50-114 and BCAD guidance state that the general application is due no later than April 30 / before May 1 for the tax year requested.

Late general homestead Up to 2 years

Texas allows a late residence-homestead application, including qualifying age-65-or-older or disabled applications, within the statutory late-filing period.

Certain disabled-veteran late filings Up to 5 years

Different late-filing provisions apply to certain disabled-veteran exemptions under Texas law.

Texas Tax Code §11.431 requires the chief appraiser to accept and approve or deny a qualifying late residence-homestead application filed within the statutory period. If the exemption is approved after the appraisal roll has been approved and tax has already been paid, the law provides a mechanism for the collector to issue the resulting refund without requiring a separate refund application under that subsection.

If you purchased the home after January 1

Texas law separately permits qualifying post-January-1 purchasers to receive the residence homestead exemption for the applicable portion of the year when the previous owner did not receive that same exemption. Do not assume the ordinary April 30 calendar is the only rule that matters after a mid-year purchase; file promptly and ask BCAD which deadline applies to your acquisition date.

Do not wait just because late filing may be possible.

Late filing can create delayed corrections, refund processing and confusion across multiple taxing units. File as soon as you qualify and have the required documentation.

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Second benefit people often miss

How the Texas 10% Homestead Appraisal Cap Works in Bexar County

The residence homestead exemption can do more than subtract an exemption amount. Once the appraisal limitation applies, Texas law limits how quickly the appraised value used for taxation can rise from year to year.

Maximum limited appraised value Prior-year appraised value + 10% + value of new improvements The appraised value is still limited to the lesser of this calculation or the property’s market value.

When it starts

BCAD and the Texas Comptroller explain that the homestead appraisal limitation begins on January 1 of the tax year after the first year the homeowner qualifies the property for the residence homestead exemption.

What it does not cap

It does not freeze market value, does not cap the tax rate and does not guarantee that the tax bill itself will rise by no more than 10%. Tax rates and exemption amounts still matter.

Example

If last year’s appraised value was $300,000 and this year’s market value rises to $390,000 with no new improvements, the cap calculation would ordinarily limit the current appraised value to $330,000 rather than $390,000, subject to the statutory rules.

New improvements are treated differently.

The market value of qualifying new improvements is added on top of the capped calculation. Ordinary repairs and maintenance are not treated the same as a new improvement under Tax Code §23.23.

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Extra exemptions

Age 65+, Disabled, Veterans and Surviving-Spouse Benefits in Bexar County

Age 65 or older

Additional $60,000 school exemption

Texas requires school districts to provide an additional $60,000 residence-homestead exemption to qualifying homeowners age 65 or older. BCAD also explains that qualifying 65+ homeowners receive a school tax ceiling and that some Bexar-area local taxing units have adopted additional ceilings.

You may apply during the year you turn 65. BCAD says it may add the exemption automatically if it already has an accurate date of birth on file.

Disabled person

Additional $60,000 school exemption

The mandatory school exemption also applies to qualifying disabled homeowners. BCAD generally looks for eligibility under the Social Security disability standard and requests supporting documentation.

A tax ceiling can also apply to school taxes and to local taxing units that have adopted one.

100% disabled veteran

100% residence-homestead exemption

A veteran with qualifying 100% service-connected disability compensation or individual unemployability can receive a total exemption on the qualifying residence homestead under Tax Code §11.131.

Disabled veteran 10%–90%+

$5,000–$12,000 partial exemption

BCAD lists the separate disabled-veteran partial exemption under Form 50-135: $5,000 for 10%–29%, $7,500 for 30%–49%, $10,000 for 50%–69%, and $12,000 for 70%–100% service-connected disability ratings, subject to the statutory eligibility rules.

New for tax year 2026

Surviving spouse of certain qualifying veterans

Tax Code §11.136 now provides a 100% residence-homestead exemption for certain surviving spouses of veterans who died from qualifying service-connected conditions or diseases, even if the veteran did not have a 100% disability rating at death, provided all statutory conditions are met and the spouse has not remarried.

Other total exemptions

Qualifying surviving spouses

Texas also provides total residence-homestead exemptions in specified circumstances for surviving spouses of qualifying service members killed or fatally injured in the line of duty and qualifying first responders killed or fatally injured in the line of duty.

65+ and disabled are not simply “extra discounts” added together for the same taxing unit.

Texas Comptroller guidance states that an eligible person who is both disabled and age 65 or older may receive both exemptions in the same year, but not from the same taxing units. Ask BCAD which combination applies to your account.

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Tax freeze / ceiling

Over-65 or Disabled Tax Ceiling: What It Freezes—and What It Doesn’t

BCAD uses the terms tax ceiling and freeze for a limitation that can apply to qualifying homeowners age 65 or older or disabled.

It can limit tax from participating units

School-district taxes receive the state-mandated ceiling. BCAD says some cities, the county and the junior college district in Bexar County have also adopted a ceiling.

It does not freeze your market value

The property can continue to be appraised. The ceiling limits the applicable tax amount under the statutory rules; major new improvements can affect the ceiling.

Moving to another Texas homestead?

A qualifying 65+ or disabled homeowner can potentially transfer the percentage benefit of a tax ceiling to a new Texas residence homestead. BCAD says that if you move from another Texas county, you should contact the prior appraisal district to remove the old exemptions and request the appropriate tax-ceiling certificate. If you move from another Bexar County home, include a request to remove the exemption from the old property and provide the move-out date with the new application.

BCAD tax-ceiling transfer instructions
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Ownership situations often missed online

Multiple Owners, Trusts, Heir Property and Manufactured Homes

Multiple owners

If only one co-owner occupies the property and qualifies, the exemption can be limited to that owner’s ownership interest rather than automatically applying to 100% of the property. BCAD gives the example of a 50% owner who qualifies while another owner does not live there; only the qualifying share may receive the exemption benefit.

Property in a trust

A home held through a qualifying beneficial trust can still qualify when the individual occupies it as a principal residence and is a qualifying trustor or beneficiary. BCAD asks for the relevant trust documentation to establish that relationship.

Heir property

Texas provides a route for inherited property acquired by will, transfer-on-death deed or intestacy. If the applicant is not shown as owner on a recorded instrument, Form 50-114/50-114-A can require an ownership affidavit, prior owner’s death certificate, recent utility bill and any available court-record citation relating to ownership. Other resident heirs may need authorization affidavits.

Manufactured/mobile home on leased land

BCAD confirms that you can qualify on a manufactured/mobile home even when you do not own the land, as long as you own the home, use it as your principal residence and meet the other requirements. If the land is not yours, the exemption applies to the home rather than automatically to the leased land.

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Temporary move does not always end eligibility

Can You Keep the Homestead Exemption While Temporarily Away?

Texas rules can allow a residence to remain a homestead during a temporary absence if the owner does not establish another principal residence, intends to return and meets the statutory conditions.

General temporary absence

BCAD’s exemption overview describes a general temporary-absence period of less than two years when the homeowner has not established another principal residence and intends to return.

Military / qualifying care facility

The two-year limit does not apply in the same way to homeowners in military service or certain facilities providing services related to health, infirmity or aging. Contact BCAD for the documentation that applies to your situation.

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ID-address exceptions

What If Your Texas ID Does Not Show the Homestead Address?

The normal rule is that the Texas driver’s license or state ID address must correspond to the property address. But Form 50-114 and BCAD identify limited statutory exceptions or waiver situations.

  • Resident of a qualifying facility providing services related to health, infirmity or aging.
  • Participant in the Texas Attorney General’s Address Confidentiality Program.
  • Active-duty U.S. armed services member or spouse of an active-duty member, subject to BCAD’s alternative-document requirements.
  • Holder of certain protected-address driver’s licenses described by Texas Transportation Code provisions, with the required supporting application/documentation.
Active-duty military alternative:

BCAD states that an active-duty service member who does not have a matching Texas driver’s license/ID may submit qualifying military identification and a utility bill for the homestead property. Contact BCAD if your facts differ from the standard application.

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After you file

How to Check Whether Your Bexar Homestead Exemption Is on the Property

  1. 1

    Search your BCAD account

    Use BCAD Property Search and open the correct property record.

  2. 2

    Review exemption information

    Look for the residence-homestead exemption and any special exemption that should apply to the tax year.

  3. 3

    Compare owner and mailing information

    A name, ownership or mailing-address change can trigger additional review or a canceled/reduced exemption notice.

  4. 4

    Read every BCAD verification request

    Do not ignore a Homestead Audit Verification letter or request for additional information.

  5. 5

    Contact BCAD if the exemption is missing or reduced

    Use the Help Center or call 210-242-2432 and have your Property ID, owner name and filing details ready.

Homestead Audit Verification

Texas now requires appraisal districts to periodically review homestead exemptions. BCAD explains that residential homesteads must be reviewed at least once every five years. A verification letter does not automatically mean your exemption has been denied, but BCAD says you generally must return the signed verification and required documentation within 30 days to keep the exemption.

Do not ignore a canceled or reduced exemption notice.

BCAD says common reasons include ownership changes, mailing-address changes, replacement of one exemption type with another, death of an applicant, or failure to respond to a homestead-audit request. Review the notice and correct the record promptly if you still qualify.

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Two separate protections

Homestead Exemption vs. Property-Value Protest

An exemption and a protest are not the same action.

Exemption

Reduces taxable value / activates protections

Apply when you qualify for residence-homestead treatment or another exemption category.

Protest

Challenges appraisal issues

Use the appraisal-review process if you believe the property value or another protestable appraisal matter is incorrect.

BCAD reported that the 2026 standard protest deadline was May 15, 2026, or 30 days after the date on an applicable notice when that later deadline controlled. The 2026 deadline has passed as of this page’s review date, but the distinction remains important for future years: receiving a homestead exemption does not prevent you from protesting a value, and filing a protest does not substitute for applying for the exemption.

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From appraisal to final bill

How Your Exemption Reaches the Bexar County Property-Tax Bill

BCAD appraises property BCAD applies exemptions/caps Values certified Taxing units adopt rates Tax Assessor-Collector bills/collects

BCAD explains that taxing units generally adopt tax rates later in the year using certified values. The Tax Assessor-Collector then calculates and collects property taxes. This is why the homestead application goes to BCAD even though the eventual bill may come from the Bexar County Tax Office.

Taxable value is not automatically the same for every taxing unit.

Different units can offer different local exemptions and tax ceilings. A single property can therefore show different taxable values for the school district, city, county, hospital district and other units.

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Local filing help

Bexar Central Appraisal District Address, Hours and Contact

BCAD — exemptions and appraisal

Bexar Central Appraisal District

Physical:
411 North Frio Street
San Antonio, TX 78207

Mail:
P.O. Box 830248
San Antonio, TX 78283-0248

Phone: 210-242-2432
Fax: 210-242-2454 / 210-242-2453

Hours: Monday–Friday, 8:00 a.m.–5:00 p.m., subject to posted holiday closures.

Tax bills and payments

Bexar County Tax Assessor-Collector

Main office:
Vista Verde Plaza Building
233 N. Pecos La Trinidad
San Antonio, TX 78207

Phone: 210-335-2251

Hours: Monday–Friday, 8:00 a.m.–4:45 p.m.; Wednesdays until 6:30 p.m., subject to county holidays.

Tax Office locations & hours
BCAD map

411 North Frio Street, San Antonio

If you plan to file in person because of a complicated trust, heir-property, veteran or ownership issue, bring copies of all supporting documents and call first if you are unsure what BCAD will need.

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Practical failure points

Common Bexar Homestead Exemption Mistakes

Paying a third party unnecessarily

The BCAD application itself is free.

Sending Form 50-114 to the Comptroller

The form must be filed with BCAD for Bexar County property.

Applying to the Tax Assessor-Collector

The Tax Office collects taxes; BCAD determines homestead exemption eligibility.

ID address does not match

Resolve the mismatch or document a statutory exception instead of submitting an incomplete application.

Ownership not updated

Provide the recorded deed or other required ownership documents when BCAD still shows the prior owner.

Assuming previous owner’s homestead transfers

Your eligibility is personal to you; a new owner generally needs their own qualification/application.

Claiming two residence homesteads

Form 50-114 requires the applicant to affirm they are not claiming another residence homestead in or outside Texas.

Ignoring a verification letter

BCAD’s five-year audit process can remove exemptions when a homeowner fails to provide required verification.

Confusing the 10% cap with a 10% tax-bill cap

The limitation applies to appraised value, not directly to tax rates or the final bill.

Using only the school exemption to estimate the whole bill

Each taxing unit can have a different exemption and taxable value.

Waiting for a portal PIN

BCAD expressly says waiting for mailed credentials does not extend filing deadlines.

Not checking the property record later

Verify that BCAD actually shows the exemption and correct ownership after processing.

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Detailed answers

Bexar County Homestead Exemption FAQs

How much is the Bexar County homestead exemption in 2026?

For school-district taxes, Texas currently requires a $140,000 general residence-homestead exemption. Other Bexar County taxing units can provide local-option exemptions, so the amount reducing taxable value can differ by taxing unit. BCAD’s 2026 explanatory example shows several local units using percentage exemptions, but you should verify the exemptions attached to your own property.

Where do I apply for a homestead exemption in Bexar County?

Apply with the Bexar Central Appraisal District (BCAD). You can use BCAD Online Services, submit required documents through its approved channels, mail the application, fax it or file in person according to BCAD’s current instructions. Do not file Form 50-114 with the Texas Comptroller.

Is Bexar Central Appraisal District the same as Bexar Appraisal District?

Yes. The appraisal district changed its public name to Bexar Central Appraisal District effective January 1, 2026. The agency states that the change did not alter its legal structure, responsibilities or operations.

Does it cost money to apply for the Bexar homestead exemption?

No. BCAD states that there is no fee to apply for property-tax exemptions or use appraisal-district services. You do not need to pay a private company merely to submit the standard application.

What is the filing deadline?

The general deadline is April 30 of the tax year for which the exemption is requested. Texas also provides late-filing rules for residence homestead exemptions and separate deadlines in certain veteran and post-acquisition situations, so file promptly even if the ordinary deadline has passed.

Can I file late if I missed April 30?

Yes, Texas law provides a late-application procedure for residence homestead exemptions. General residence-homestead applications, including qualifying age-65-or-older or disabled applications, can be filed within the statutory late-filing period. Certain disabled-veteran applications have a different, longer period. BCAD decides qualification based on the applicable tax year and documentation.

I bought my Bexar County home after January 1. Do I have to wait until next year?

Not necessarily. Texas law allows a qualifying owner who acquires a home after January 1 to receive the general residence-homestead exemption for the applicable portion of that tax year if the previous owner did not already receive the same exemption for that year. Apply promptly and provide the acquisition and occupancy dates.

What documents do I need for the normal application?

Most applicants need Form 50-114 or the equivalent online application and a Texas driver’s license or Texas ID showing the property address. Depending on the ownership, BCAD may also require a recorded deed, trust documentation, heir-property affidavits, TDHCA manufactured-home documentation or other evidence.

What if my driver’s license address does not match my house?

The general rule is that the Texas driver’s license or ID address must correspond to the homestead property. Statutory exceptions or waivers exist for certain active-duty military households, qualifying care-facility residents, Address Confidentiality Program participants and certain protected-address license holders. Contact BCAD rather than submitting unsupported information.

Do I have to reapply every year?

Usually no. Once BCAD approves the exemption, it generally continues while you remain qualified unless BCAD requires a new application or verification. You are responsible for reporting changes that affect eligibility.

Why did BCAD send me a Homestead Audit Verification letter?

Texas law requires appraisal districts to periodically verify homestead exemptions. BCAD says each residence homestead must be reviewed at least once every five years. A verification letter is not itself a denial, but you must return the requested affirmation and documents by the stated deadline to avoid removal.

Does the homestead exemption cap my home’s market value increase at 10%?

No. The residence-homestead cap limits the appraised value used for taxation under Tax Code §23.23. BCAD can still show a higher market value. The limited appraised value is generally the lesser of market value or the prior appraised value plus 10% plus qualifying new improvements.

When does the 10% homestead cap start?

It generally begins January 1 of the tax year after the first year the owner qualifies the property for the residence-homestead exemption. It does not necessarily protect a newly acquired home from a market-value reset in the first qualifying year.

What extra exemption is available when I turn 65?

Texas currently requires school districts to provide an additional $60,000 residence-homestead exemption to qualifying homeowners age 65 or older. A school tax ceiling also applies, and some local Bexar County taxing units have adopted additional ceilings. BCAD says you can apply during the year you turn 65.

What is the disabled-person homestead exemption?

A qualifying disabled homeowner can receive the additional $60,000 school exemption and applicable tax-ceiling protections. BCAD generally requires evidence that the applicant meets the Social Security disability standard and requests a current SSA benefit-verification letter.

Can a 100% disabled veteran get a full exemption?

Yes. Texas Tax Code §11.131 provides a total residence-homestead exemption for a qualifying veteran receiving 100% service-connected disability compensation or individual unemployability, subject to the statutory requirements and VA documentation.

What changed for surviving spouses of certain veterans in 2026?

Beginning with tax year 2026, Tax Code §11.136 provides a total residence-homestead exemption to certain surviving spouses of veterans whose deaths resulted from qualifying service-connected conditions or diseases, regardless of the veteran’s disability rating at death, if all statutory requirements are met and the surviving spouse has not remarried.

Can I get a homestead exemption on a mobile home if I rent the land?

Yes, BCAD states that a qualifying owner of a manufactured/mobile home can receive the general homestead exemption on the home even when the land is leased, as long as the home is owned by the applicant and is the applicant’s principal residence. The exemption does not automatically extend to land the applicant does not own.

Can heir property qualify for a homestead exemption?

Yes. Texas provides an heir-property process. When the resident heir is not shown as the owner in a recorded deed or other instrument, additional affidavits and ownership evidence can be required, including the prior owner’s death certificate, recent utility bill and any available court record relating to ownership.

Can a home in a trust qualify?

Potentially. A residence owned through a qualifying beneficial trust can qualify when the applicant occupies it as a principal residence and has the required trust interest. BCAD requests documentation showing the applicant is a trustor or beneficiary.

What happens if only one co-owner lives in the house?

BCAD explains that the exemption may apply only to the qualifying resident owner’s ownership interest. For example, if one qualifying resident owns 50% and the other co-owner does not qualify, the exemption may be limited to the qualifying share rather than the whole property.

Does the exemption automatically transfer when I buy a house?

No. Do not rely on the prior owner’s exemption. A new owner must establish their own qualification. If you moved from another homestead, Form 50-114 also asks about the previous residence and whether you are transferring an exemption or tax limitation.

How can I check if BCAD applied my exemption?

Search the property through BCAD Property Search and review the exemption information for the correct tax year. If the expected exemption is missing, reduced or canceled, use BCAD’s Help Center or call 210-242-2432 with your Property ID and application details.

Can I still protest my value if I have a homestead exemption?

Yes. The homestead exemption and an appraisal protest are separate protections. The exemption reduces taxable value and can trigger appraisal limitations; a protest challenges a value or another protestable appraisal issue.

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Primary-source research

Official Bexar County and Texas Sources Used

The details above were synthesized from current government and appraisal-district guidance so a homeowner does not have to open a dozen pages just to understand the process. Use the links below for the final filing, verification or payment action.

BCAD — Homestead Exemption: How to Apply Eligibility, online filing, ID and contact procedure BCAD — Property Tax Exemptions Overview 2026 exemption amounts, special categories and statewide rules BCAD — Required Documents Ownership, ID, trust, heir, mobile-home, disability and veteran documents BCAD Online Services Online exemption filing, PIN/Owner ID instructions BCAD Forms Homestead and other exemption forms BCAD — Homestead Cap 10% appraisal limitation and examples BCAD — Multiple Owners Ownership-percentage effect on exemptions BCAD — Mobile Homes on Leased Land Eligibility and TDHCA documentation BCAD — Age 65 & Older Application and tax-ceiling information BCAD — Disabled Person Eligibility and SSA documentation BCAD — 100% Disabled Veteran Total homestead exemption and VA documentation BCAD — Transfer Tax Ceiling Moving a 65+/disabled ceiling to another homestead BCAD — New §11.136 Exemption 2026 qualifying-veteran surviving-spouse total exemption BCAD — Homestead Audit Verification Five-year review cycle and 30-day response BCAD — Canceled / Reduced Exemptions Why exemption status can change Texas Comptroller — Property Tax Exemptions Statewide legal guidance and exemption amounts Texas Form 50-114 Current Residence Homestead Exemption Application Texas Comptroller — Valuing Property Residence-homestead 10% appraisal-cap formula Bexar County Tax Assessor-Collector Tax billing, payments and payment plans Bexar Tax Office Locations Current tax-office addresses and hours
Editorial verification standard

This guide separates statewide Texas law from Bexar-specific administration; BCAD appraisal/exemption functions from Tax Assessor-Collector billing functions; general homestead benefits from special age/disability/veteran exemptions; and market value from capped appraised value. Tax rates, local-option exemptions, filing interfaces and individual eligibility can change, so final action should use the current BCAD or Texas government source.

Independent Property-Tax Guide: This website is an independent educational resource. It is not operated by, affiliated with or endorsed by the Bexar Central Appraisal District, Bexar County Tax Assessor-Collector, Bexar County, Texas Comptroller of Public Accounts or another government agency.

The information here explains publicly available homestead-exemption rules and official processes. It is not legal, tax or financial advice and does not determine whether a particular property or owner qualifies. For filing, deadlines, exemption status and consequential tax decisions, verify the current record and requirements directly with BCAD and the applicable taxing authority.

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