Property Tax Relief

Avoid Property Tax Foreclosure: Low-Income Deferral Options

If you're a low-income homeowner struggling to pay property taxes, you may be eligible for a county property tax deferral program, which can help you avoid foreclosure and associated penalties. Act quickly to explore your options and understand the application process. Your county tax assessor's office can provide specific guidance on available programs and eligibility criteria.

Based on federal consumer protection law and HUD/CFPB public guidance · Last reviewed July 2026

The Direct Answer

County property tax deferral programs allow low-income homeowners to temporarily postpone paying property taxes, with the understanding that the deferred amount, plus interest, will be paid when the property is sold or transferred. These programs vary by county, so it's essential to contact your local tax assessor's office to determine if such a program exists and what the eligibility requirements are.

To qualify, you'll typically need to meet income and age requirements, such as being 65 or older, or disabled, and having an income below a certain threshold, which is usually tied to the federal poverty level or area median income. The application process typically involves submitting documentation, including proof of income, age, and property ownership.

How Deferral Programs Work

Eligibility and Application

Each county's deferral program has its own set of eligibility criteria and application process. Generally, you'll need to provide documentation of your income, age, and property ownership.

Interest and Repayment

The deferred taxes, plus interest, will typically become due when the property is sold or transferred. Understand the terms and conditions before applying.

Alternatives to Deferral

If you're not eligible for a deferral program or prefer not to participate, consider other options, such as installment agreements with your county tax collector's office or seeking assistance from a non-profit credit counseling agency.

Preventing Foreclosure

Ignoring property tax bills can lead to foreclosure. To avoid this, stay in communication with your county tax collector's office and explore all available options, including deferral programs, payment plans, and assistance from local non-profits.

Frequently Asked Questions

What is the typical interest rate on deferred property taxes?

Interest rates on deferred property taxes vary by county, but are often lower than those associated with other types of debt. Check with your county tax collector's office for specific information.

Can I apply for a deferral program if I'm already behind on my property taxes?

It depends on the county's program and your individual circumstances. Some counties may allow you to apply for a deferral even if you're behind on payments, while others may require you to bring your account up to date first. Consult with your county tax assessor's office to determine the best course of action.

How do I find out if my county offers a property tax deferral program?

Contact your county tax assessor's office or visit their website to learn about available programs and eligibility criteria. You can also check with your state's Department of Revenue or local non-profit organizations that provide homeowner assistance.

What happens if I sell my property while I have a tax deferral in place?

When you sell your property, the deferred taxes, plus interest, will typically become due. You may need to pay off the deferred amount from the proceeds of the sale or make arrangements with the buyer to assume the debt. Review your deferral agreement carefully to understand the terms and conditions.