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Cash & Expenses

Tax benefit for senior homeowners

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

1. How it Works

SCHE gives property tax help to senior homeowners. It lowers the taxes of seniors who own one to three homes, condos, or coop apartments.

  • Apply online by March 16 for benefits to begin on July 1
  • If you live in a co-op, you can apply online using the SCHE co-ops application
  • 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 meet this age requirement.
  • You must have owned your property for at least 12 continuous months before you file your application
  • Determine the borough, block, and lot (BBL) for your property

2. Determine your eligibility

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

  • 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 meet this age requirement.
  • 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.

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

Am I Eligible?

3. What you need to include

It’s important to include the right documents when you apply. Your documents show whether the program is right for you.

This page can help you choose the right documents for your application.

Proof of who you are

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For each person applying, any one document:

  • Driver license or official photo I.D.
  • Passport
  • Birth certificate (original or certified copy)

Proof of your income

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Proof that can help for deductions

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4. How to Apply

4. How to apply

Here are your options.

Apply online

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  1. Click here to begin filing an online application. If you live in a co-op, use this form.
  2. Create an account and begin filing the form.
  3. Search for your property using your address or borough, block and lot (BBL).
  4. Attach supporting documents to confirm your eligibility and process your application.
  5. Once you have confirmed that your information is correct, print a draft for you records and press “Submit.”

Apply online

Apply by mail

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Come back to it later.
We can send you a link to this page to help you get back to it when you’re ready.

More ways to get help with this program

Visit the website

Visit the SCHE website to learn more.

Email SCHE

If you have questions, email SCHE for more information.

Call 311

Ask for Senior Citizen Homeowners’ Exemption program.

Call SCHE

Call 212-NEW-YORK, or 212-639-9675 for out-of-city, or when using a Video Relay Service (VRS).

Contact SCHE using TTY or Text Telephone at 212-504-4115.

Visit a Department of Finance Business Center (Monday – Friday, 8:30 a.m – 4:30 p.m) to get help in person.