VA Loan GuideGuide № 13 · By state
VA loans, state by state.
Every state has its own property tax curve, base concentration, and often its single most valuable local benefit: a property tax exemption for disabled veterans. All 50 states are live.
TLDR - The Short Version
Your state decides one of the most valuable pieces of this: whether a disabled veteran pays property tax at all. All 50 are on this page, each checked against the state's own source.
They don't work alike. Plenty tie the break to a 100% permanent and total rating and exempt the home outright. Others scale it to your rating. Some take a flat dollar amount off the assessed value, or let your city or town set the real number. A few run a credit or a refund instead. And in some states there's no general exemption to claim at all.
So read your own state's line, not what a veteran in another state told you.
Two things to keep in mind. Exemption law moves every legislative session, so a page can be right in July and stale by spring. And your county assessor has the final word on your bill, whatever the state statute says.
Property-tax exemptions by state
- Full exemption at 100% P&T
- Partial or capped exemption
- Credit, refund, or freeze instead
The District of Columbia is shown on the map but not yet covered by this guide.
Select a state to see its one-line rule.
In plain words: tap or click your state to see its one-line rule, then open the full state page. Darker green means a bigger benefit at a 100% rating.
Source: Each state's official source, listed on its page · verified July 16, 2026
AL
→Alabama
- · 100% P&T: fully exempt, home plus up to 160 acres
- · Median property tax ~0.41% (lowest tier)
- · Bases: Redstone Arsenal, Maxwell-Gunter AFB
AK
→Alaska
- · 50%+: first $150,000 of assessed value exempt, statewide mandate
AZ
→Arizona
- · 100% service-connected: fully exempt starting tax year 2026
- · Median property tax ~0.63%
- · Bases: Fort Huachuca, Luke AFB, Davis-Monthan AFB, MCAS Yuma
AR
→Arkansas
- · 100% P&T (or loss of limb/blindness): homestead and personal property exempt
CA
→California
- · 100%: $180,671 off assessed value ($271,009 low-income), indexed yearly
- · Median property tax ~0.74% (Prop 13 capped)
- · Bases: Camp Pendleton, Travis AFB, NAS Lemoore
CO
→Colorado
- · 100% P&T: 50% of the first $200,000 of home value exempt
- · Median property tax ~0.51%
- · Bases: Fort Carson, USAFA, Buckley SFB
CT
→Connecticut
- · 100% P&T: home fully exempt, new law effective October 2024
DE
→Delaware
- · 100% P&T: school taxes wiped out by a state credit
FL
→Florida
- · 100% P&T: homestead totally exempt; smaller breaks start at 10%
- · Median property tax ~0.79%
- · Bases: Eglin AFB, MacDill AFB, NAS Jacksonville, NAS Pensacola
GA
→Georgia
- · 100% (or unemployable): ~$121,812 off assessed value, adjusts annually
- · Median property tax ~0.91%
- · Bases: Fort Moore, Robins AFB, Hunter AAF
HI
→Hawaii
- · Totally disabled: home exempt except a small minimum tax (county-run)
- · Median property tax ~0.27% (lowest in the nation)
- · Bases: JB Pearl Harbor-Hickam, Schofield Barracks, MCB Hawaii
ID
→Idaho
- · 100% service-connected: up to $1,500 off the bill each year
IL
→Illinois
- · 70%+: first $250,000 of EAV exempt; $2,500/$5,000 tiers below that
IN
→Indiana
- · Totally disabled: full exemption from the 2026 assessment (in transition)
IA
→Iowa
- · 100% (or IU at the 100% rate): credit wipes the whole homestead bill
KS
→Kansas
- · No exemption: a base-year refund program for 50%+, with limits
KY
→Kentucky
- · Totally disabled: $49,100 off assessed value (2025–26, adjusts biennially)
- · Median property tax ~0.83%
- · Bases: Fort Campbell, Fort Knox
LA
→Louisiana
- · 100% (or unemployable): fully exempt; extra homestead tiers from 50%
ME
→Maine
- · $6,000 off home value at 100% (or wartime 62+); $50,000 for SAH recipients
MD
→Maryland
- · 100% P&T: fully exempt from property tax
- · Median property tax ~1.09%
- · Bases: Fort Meade, NSA Bethesda
MA
→Massachusetts
- · Flat exemptions ($400 to $1,000+), with 2024 law letting towns double them
MI
→Michigan
- · 100% P&T, unemployability, or SAH grant: fully exempt, one-time filing
MN
→Minnesota
- · 100% P&T: $300,000 of market value excluded; 70%+: $150,000
MS
→Mississippi
- · Service-connected total disability: homestead fully exempt
MO
→Missouri
- · No general exemption: former POWs only, plus an income-tested credit
MT
→Montana
- · 100% P&T: tax rate cut 50% to 100%, on an income scale
NE
→Nebraska
- · 100% service-connected: fully exempt, but you must re-file every year
NV
→Nevada
- · 60%+: tiered exemption, $17,700–$35,400 of assessed value (2025–26)
- · Median property tax ~0.55%
- · Bases: Nellis AFB, NAS Fallon, Creech AFB
NH
→New Hampshire
- · Total disability: $700 credit minimum, towns often raise it into the thousands
NJ
→New Jersey
- · 100% P&T: fully exempt from property tax
NM
→New Mexico
- · Exemption proportional to your rating: 60% rated, 60% exempt; 100% fully exempt
NY
→New York
- · Alternative Veterans Exemption: 15% + combat + disability, locality by locality
NC
→North Carolina
- · 100% P&T: first $45,000 of appraised value excluded
- · Median property tax ~0.82%
- · Bases: Fort Liberty, Camp Lejeune, Seymour Johnson AFB
ND
→North Dakota
- · 50%+: credit equal to your rating, against the first ~$200,000 of value
OH
→Ohio
- · 100% (or IU): enhanced homestead shields $50,000+ of value, no income test
- · Median property tax ~1.53%
- · Bases: Wright-Patterson AFB
OK
→Oklahoma
- · 100% P&T: fully exempt on the homestead's full value
- · Median property tax ~0.89%
- · Bases: Fort Sill, Tinker AFB, Vance AFB, Altus AFB
OR
→Oregon
- · 40%+: a modest assessed-value exemption that grows 3% a year
PA
→Pennsylvania
- · 100% wartime service-connected + financial need: fully exempt
- · Median property tax ~1.49%
- · Bases: Carlisle Barracks, Tobyhanna Army Depot
RI
→Rhode Island
- · State sets minimums; your city or town sets the real number
SC
→South Carolina
- · 100% P&T: fully exempt, home plus up to five acres
- · Median property tax ~0.56%
- · Bases: Fort Jackson, JB Charleston, Parris Island, Shaw AFB
SD
→South Dakota
- · 100% P&T: first $200,000 of the home's value exempt
TN
→Tennessee
- · 100% P&T: state pays the tax on the first $175,000 of value
- · Median property tax ~0.71%
- · Bases: Fort Campbell (KY/TN), Arnold AFB
TX
→Texas
- · 100% or IU: totally exempt. Partial ratings: $5,000–$12,000 tiers
- · Median property tax ~1.74% (high)
- · Bases: Fort Cavazos, JBSA, NAS Corpus Christi
UT
→Utah
- · Exemption scales with your rating, up to $535,459 of taxable value
VT
→Vermont
- · 50%+ receiving compensation: $10,000 minimum, up to $40,000 by town vote
VA
→Virginia
- · 100% P&T: fully exempt, dwelling plus at least one acre
- · Median property tax ~0.85%
- · Bases: Norfolk NS, Fort Belvoir, Quantico, JB Langley-Eustis
WA
→Washington
- · 80%+ or total disability: income-based exemption, thresholds set per county
- · Median property tax ~0.84%
- · Bases: JBLM, NAS Whidbey, Fairchild AFB
WV
→West Virginia
- · 90%+ (P&T from service): homestead taxes refunded through a state credit
WI
→Wisconsin
- · 100% or unemployability: property taxes refunded through a state credit
WY
→Wyoming
- · $6,000 of assessed value, doubled by 2024 law, claimed each year
Exemptions at a glance: what a 100% P&T rating gets you
| State | The benefit |
|---|---|
| Alabama | 100% P&T: fully exempt, home plus up to 160 acres |
| Alaska | 50%+: first $150,000 of assessed value exempt, statewide mandate |
| Arizona | 100% service-connected: fully exempt starting tax year 2026 |
| Arkansas | 100% P&T (or loss of limb/blindness): homestead and personal property exempt |
| California | 100%: $180,671 off assessed value ($271,009 low-income), indexed yearly |
| Colorado | 100% P&T: 50% of the first $200,000 of home value exempt |
| Connecticut | 100% P&T: home fully exempt, new law effective October 2024 |
| Delaware | 100% P&T: school taxes wiped out by a state credit |
| Florida | 100% P&T: homestead totally exempt; smaller breaks start at 10% |
| Georgia | 100% (or unemployable): ~$121,812 off assessed value, adjusts annually |
| Hawaii | Totally disabled: home exempt except a small minimum tax (county-run) |
| Idaho | 100% service-connected: up to $1,500 off the bill each year |
| Illinois | 70%+: first $250,000 of EAV exempt; $2,500/$5,000 tiers below that |
| Indiana | Totally disabled: full exemption from the 2026 assessment (in transition) |
| Iowa | 100% (or IU at the 100% rate): credit wipes the whole homestead bill |
| Kansas | No exemption: a base-year refund program for 50%+, with limits |
| Kentucky | Totally disabled: $49,100 off assessed value (2025–26, adjusts biennially) |
| Louisiana | 100% (or unemployable): fully exempt; extra homestead tiers from 50% |
| Maine | $6,000 off home value at 100% (or wartime 62+); $50,000 for SAH recipients |
| Maryland | 100% P&T: fully exempt from property tax |
| Massachusetts | Flat exemptions ($400 to $1,000+), with 2024 law letting towns double them |
| Michigan | 100% P&T, unemployability, or SAH grant: fully exempt, one-time filing |
| Minnesota | 100% P&T: $300,000 of market value excluded; 70%+: $150,000 |
| Mississippi | Service-connected total disability: homestead fully exempt |
| Missouri | No general exemption: former POWs only, plus an income-tested credit |
| Montana | 100% P&T: tax rate cut 50% to 100%, on an income scale |
| Nebraska | 100% service-connected: fully exempt, but you must re-file every year |
| Nevada | 60%+: tiered exemption, $17,700–$35,400 of assessed value (2025–26) |
| New Hampshire | Total disability: $700 credit minimum, towns often raise it into the thousands |
| New Jersey | 100% P&T: fully exempt from property tax |
| New Mexico | Exemption proportional to your rating: 60% rated, 60% exempt; 100% fully exempt |
| New York | Alternative Veterans Exemption: 15% + combat + disability, locality by locality |
| North Carolina | 100% P&T: first $45,000 of appraised value excluded |
| North Dakota | 50%+: credit equal to your rating, against the first ~$200,000 of value |
| Ohio | 100% (or IU): enhanced homestead shields $50,000+ of value, no income test |
| Oklahoma | 100% P&T: fully exempt on the homestead's full value |
| Oregon | 40%+: a modest assessed-value exemption that grows 3% a year |
| Pennsylvania | 100% wartime service-connected + financial need: fully exempt |
| Rhode Island | State sets minimums; your city or town sets the real number |
| South Carolina | 100% P&T: fully exempt, home plus up to five acres |
| South Dakota | 100% P&T: first $200,000 of the home's value exempt |
| Tennessee | 100% P&T: state pays the tax on the first $175,000 of value |
| Texas | 100% or IU: totally exempt. Partial ratings: $5,000–$12,000 tiers |
| Utah | Exemption scales with your rating, up to $535,459 of taxable value |
| Vermont | 50%+ receiving compensation: $10,000 minimum, up to $40,000 by town vote |
| Virginia | 100% P&T: fully exempt, dwelling plus at least one acre |
| Washington | 80%+ or total disability: income-based exemption, thresholds set per county |
| West Virginia | 90%+ (P&T from service): homestead taxes refunded through a state credit |
| Wisconsin | 100% or unemployability: property taxes refunded through a state credit |
| Wyoming | $6,000 of assessed value, doubled by 2024 law, claimed each year |
Checked against state sources, July 16, 2026. Exemption law changes by legislative session. Each state page links the official source, and your county assessor has the final word.
All 50 states are here,each verified against the state’s own source before publishing. Exemption law moves every legislative session, so if something looks different from what your assessor told you, tell us and we will re-check the source.
The core math works the same in every state, and the full affordability guide walks through it step by step.
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