How does Senior Citizen Homeowners' Exemption work?

Apply by March 15th for benefits to begin on July 1st of that year. If March 15th falls on a weekend or holiday, the deadline is the next business day. Requires proof of age, income, and tax deduction. If your property qualifies for SCHE and the Disabled Homeowners Exemption (DHE), you will only be granted SCHE. You cannot get both. All owners of the property must be 65 or older unless the owners are spouses or siblings. If you own the property with a spouse or sibling, only one of you must be 65 or older. Renew every two years by March 15. The Department of Finance will send you a renewal application when it is time to renew. If you do not renew, your property taxes could increase significantly.

Am I eligible for Senior Citizen Homeowners' Exemption?

To be eligible for SCHE, you should be able to answer yes to all of these questions: Are all owners of the property 65 or older? Or , if you own the property with a spouse or sibling, is one of you 65 or older? Is the property your primary residence? Is the combined income for all owners less than or equal to $58,399? Income does NOT include SSI or Cash Assistance benefits. Have you owned your property for at least 12 continuous months?

How do I Apply to Senior Citizen Homeowners' Exemption?

Apply online by March 15th for benefits to begin on July 1st. If March 15th falls on a weekend or holiday, the deadline is the next business day. If you live in a co-op, apply using the SCHE co-ops application . When applying, you will need the borough, block, and lot (BBL) for your home. Use the Property Address Search to get this information. Applications must be postmarked by March 15th for your benefit to begin on July 1st of the same year. Download and print the initial exemption application and fill it in. You can also call 311 to get one mailed to you. When applying, you will need the borough, block, and lot (BBL) for your home. Use the Property Address Search to get this information. Gather your required documents and include copies of them with your application. Your application will not be processed without them. Mail your completed application and required documents to: New York City Department of Finance Homeowner Tax Benefits P.O. Box 311 Maplewood, NJ 07040-0311 Apply in person at a Department of Finance Business Center .

Senior Citizen Homeownersʼ Exemption (SCHE)

1. How it Works

SCHE lowers the property taxes of seniors who own one to three homes, condos, or coop apartments and meet the income requirements.

Apply by March 15th for benefits to begin on July 1st of that year. If March 15th falls on a weekend or holiday, the deadline is the next business day.
Requires proof of age, income, and tax deduction.
If your property qualifies for SCHE and the Disabled Homeowners Exemption (DHE), you will only be granted SCHE. You cannot get both.
All owners of the property must be 65 or older unless the owners are spouses or siblings. If you own the property with a spouse or sibling, only one of you must be 65 or older.
Renew every two years by March 15. The Department of Finance will send you a renewal application when it is time to renew. If you do not renew, your property taxes could increase significantly.

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2. Determine Your Eligibility

2. Determine your eligibility

To be eligible for SCHE, you should be able to answer yes to all of these questions:

Are all owners of the property 65 or older? Or, if you own the property with a spouse or sibling, is one of you 65 or older?
Is the property your primary residence?
Is the combined income for all owners less than or equal to $58,399?
- Income does NOT include SSI or Cash Assistance benefits.
Have you owned your property for at least 12 continuous months?

Take a short survey to see if you might be eligible for this or 30 other programs.

Am I Eligible?

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3. How to Apply

3. How to apply

Here are your options.

Apply online by March 15th for benefits to begin on July 1st. If March 15th falls on a weekend or holiday, the deadline is the next business day.

If you live in a co-op, apply using the SCHE co-ops application.

When applying, you will need the borough, block, and lot (BBL) for your home. Use the Property Address Search to get this information.

Apply online

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Property tax break for senior homeowners

Senior Citizen Homeowners' Exemption (SCHE) | NYC Department of Finance (DOF)

1. How it Works

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More ways to get help with this program

2. Determine your eligibility

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3. How to apply

Here are your options.

More ways to get help with this program

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