If you own and occupy your primary residence in Hamilton County, Ohio, and are age 65 or older, permanently disabled, or an eligible surviving spouse, the Homestead Exemption 2026 can provide substantial Property tax relief. For the 2025 tax year, qualified homeowners may receive a $29,000 reduction in taxable property value, while eligible disabled veterans and spouses of fallen public safety officers may qualify for up to a $58,000 reduction, creating meaningful long-term tax savings.
Step 1 – Get the Application Form
- Use DTE 105A, the official form for Hamilton County Homestead Exemption.
- Download: Available on the Hamilton County Auditor website.
- By mail: Call (513) 946‑4099 to have a copy sent if you cannot print it.
Step 2 – Prepare Your Documents
You must attach the correct documentation to avoid delays:
- Proof of Age/Identity: Driver’s license, state ID, passport, or birth certificate.
- Proof of Income (new applicants): Tax return showing 2024 MAGI ≤ $40,000. Social Security is usually excluded.
- Proof of Disability (if applicable): Certificate of Disability (DTE 105E) or Social Security notice of award.
Tip: Make photocopies for your records.
Step 3 – Fill Out the Form
- Include your name, address, and property parcel number (found on your tax bill).
- Provide income and disability information if required.
- Sign in ink electronic signatures are not accepted.
Accuracy is critical to prevent rejection or delays.
Step 4 – Submit Your Application
Mail your completed form and documents to:
Hamilton County Auditor
Attn: Homestead Department
138 East Court Street, Room 310
Cincinnati, Ohio 45202
Ensure the application arrives by December 31 of the tax year.
Keep copies of everything for your records.
Step 5 – Wait for Approval
- The Auditor’s office reviews your application.
- Once approved, the exemption will appear on your next property tax bill.
- Notify the office if your income, residency, or eligibility changes.
Tax Savings You Can Expect
| Applicant Type | Reduction in Taxable Value |
|---|---|
| Standard eligible homeowner | $29,000 |
| Disabled veteran or surviving spouse of public safety officer | Up to $58,000 |
Note: Savings vary depending on your local tax rate.
Enhanced Homestead Exemptions and Special Cases
Hamilton County also offers enhanced Homestead Exemptions for veterans with 100% service-connected disabilities or those receiving full compensation due to unemployability. Surviving spouses of public service officers killed in the line of duty may also qualify. Social Security is excluded from income calculations. Homeowners relocating within Ohio who previously received the exemption can maintain eligibility without meeting income thresholds, using DTE Form 105G to update the Auditor’s records.
Key Tips for a Smooth Application
- Apply early don’t wait until December.
- Verify you have the correct DTE 105A form.
- Double-check all documents before mailing.
- Keep a copy of every document and your submission for records.
Final Words
Following this step-by-step guide ensures you can apply confidently and take advantage of the Hamilton County Homestead Exemption in 2026. Seniors, disabled homeowners, and qualifying spouses can secure meaningful property tax relief saving money and simplifying financial planning for the year ahead.
FAQs
1. Who qualifies for the Homestead Exemption in Ohio?
To qualify, you must own and occupy your home as your primary residence on January 1, be 65 or older, permanently disabled, or a surviving spouse of a qualified homeowner. Disabled veterans with 100% service‑connected disability also qualify for the enhanced exemption.
2. Is there an income limit to qualify?
Yes. For new applicants, the 2024 Modified Adjusted Gross Income (MAGI) must be $40,000 or less for the 2025 tax year. Social Security payments are not counted toward this income limit.
3. Do I need to reapply every year?
If you received an exemption before 2013 and move to a new home in Ohio, you may still qualify at the new address without meeting the income limit again using DTE Form 105G to transfer the exemption.
5. Can I have an exemption on more than one property?
No. You may only receive the Homestead Exemption on one primary residence at a time. If you own multiple properties, only your main home qualifies.
6. If I miss the December 31 deadline, can I still apply?
Typically no applications must be submitted by December 31 of the year you are applying for. Contact your county auditor to check if any late options exist for special cases.
7. Does it eliminate all property taxes?
No. The Homestead Exemption reduces the taxable value of your home but does not eliminate your total property tax bill. You may still owe taxes for other assessments and levies.
8. What documents are required to prove disability?
If applying based on disability, you need a Certificate of Disability (DTE 105E) signed by a doctor, or an official Social Security “Notice of Award.”
