Texas seniors and disabled homeowners have faced some of the toughest financial pressure from rising property values. Fixed incomes, increasing medical costs, and inflation have made housing expenses harder to manage — and property taxes have added to the strain.
Proposition 11 offers meaningful relief by significantly increasing the school district property tax exemption for elderly and disabled Texans. If you or a family member falls into one of these categories, this amendment provides real, measurable help.
What Prop 11 Changed
Proposition 11 increases the school district exemption for qualifying seniors and disabled homeowners from $10,000 to $60,000.
That is a sixfold increase in the amount of home value protected from school district taxes.
In simple terms:
More of your home’s value is exempt → lower taxable value → lower property taxes.
This exemption directly reduces the tax burden for Texans who often have the least ability to absorb higher costs.
Why This Matters for Texas Seniors & Disabled Texans
Home values in Texas have been rising rapidly, and school district taxes make up a large portion of the total property tax bill.
For seniors and disabled individuals, this increase in exemption provides:
- Immediate tax savings
- Greater protection against rising appraisals
- More cash flow for medical expenses
- Relief for those on Social Security or fixed retirement income
- Long-term financial stability while aging in place
This amendment was specifically designed to help the people most affected by rising home values.
Who Qualifies?
You qualify for the increased exemption if:
- You are 65 or older, or
- You are a disabled homeowner (as defined by the Social Security Administration), and
- The home is your primary residence, and you have a homestead exemption on file.
If those apply, the new $60,000 exemption reduces the amount of your home’s value that can be taxed by your school district.
How Much Will Texas Seniors Save?
Savings depend on your local school district tax rate. Here’s a simple example:
If your district tax rate is 1.2%:
- Old exemption: $10,000 × 1.2% = $120 of tax savings
- New exemption: $60,000 × 1.2% = $720 of tax savings
Approximate annual savings: $600 per year, depending on your area.
For those living on fixed incomes, this increase can make a noticeable difference every year.
Watch the YouTube Short Breakdown
I created a quick YouTube Short explaining Prop 11 and how it impacts seniors and disabled Texans.
👉 https://youtube.com/shorts/XN5zvjdwR6w
Are You Missing Other Simple Tax Savings?
Texans often overlook easy tax strategies — especially seniors, homeowners, and families navigating rising costs.
Take my free 5-minute Financial Literacy Quiz to see how tax knowledgeable you really are:
👉 https://go.gundersonsbookkeeping.com/financialliteracyquiz
Your results show whether you’re a Tax Waster, Tax Smart, or a Tax Master — and what steps to take next.
Final Thoughts
Proposition 11 is a meaningful victory for Texas seniors and disabled homeowners. By increasing the exemption from $10,000 to $60,000, the amendment provides much-needed relief and stability for those most impacted by rising home values.
I’ll continue breaking down all the amendments so you know exactly how they affect your home, your business, and your financial planning.
If you’d like personalized tax guidance, or help building a tax strategy that protects your income and your assets, you can always book a Right Fit Meeting with me.