If you’re a senior homeowner in Oregon, you’ve probably wondered: At what age do seniors stop paying property taxes in Oregon?
It’s a common question — especially as the cost of living rises and many retirees are trying to stretch their fixed incomes.
The answer, however, is a bit more nuanced than a simple age cut-off.
Let’s break it down and explain what Oregon law says about property taxes and how seniors may be able to reduce or defer them.
Do Seniors Ever Stop Paying Property Taxes in Oregon?
Technically, seniors in Oregon are not automatically exempt from paying property taxes at any age.
There is no law that says once you hit a certain age — like 62, 65, or 70 — you no longer owe property taxes.
However, the good news is that Oregon offers a Property Tax Deferral Program for seniors starting at age 62, which allows qualifying seniors to delay paying property taxes until a later time (such as when the home is sold or the homeowner passes away).
So while taxes aren’t waived entirely, this program can offer much-needed breathing room for seniors who qualify.
The Senior Property Tax Deferral Program: How It Works
The Oregon Senior and Disabled Property Tax Deferral Program allows the state to pay your property taxes on your behalf.
These deferred taxes are then collected later — usually when the home changes ownership.
You May Qualify If:
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You are 62 years or older by April 15 of the year you apply.
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You live in and own your home (or have a recorded ownership interest).
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Your total household income is below the yearly limit (for example, $55,500 for the 2024–25 year — this amount is adjusted annually).
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You meet certain requirements regarding equity and insurance on your home.
Once approved, the state pays your property taxes directly to your county.
You won’t receive a bill, and you can remain in your home without worrying about losing it due to unpaid taxes.
However, interest will accrue on the deferred amount, and it will need to be paid back eventually.
Important Things to Know
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This is not an exemption or forgiveness program. The taxes are deferred, not canceled.
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You must reapply each year to stay in the program.
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If you move, rent out the home, or your income increases beyond the limit, you may become ineligible.
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When you sell the property or pass away, the deferred taxes (plus interest) must be repaid from your estate or the sale proceeds.
Are There Other Exemptions for Seniors in Oregon?
Although Oregon doesn’t offer an across-the-board exemption for property taxes based on age, there are a few other programs worth mentioning:
1. Disabled Veteran or Surviving Spouse Exemption
This provides a reduction in assessed value for qualified veterans or their surviving spouses, which lowers overall property taxes.
2. Local Tax Assistance Programs
Some counties or municipalities may offer local programs for seniors, such as hardship exemptions or partial rebates.
These vary by location and are worth investigating through your county assessor’s office.
So, When Do Seniors Stop Paying Property Taxes in Oregon?
To sum it up:
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There is no age at which Oregon automatically cancels property taxes for seniors.
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At age 62, you may become eligible to defer your taxes through the Oregon Senior Property Tax Deferral Program.
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You must meet income and residency requirements to qualify.
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Deferred taxes must eventually be repaid, but the program can help you stay in your home without immediate tax pressure.
Final Thoughts
While Oregon doesn’t eliminate property taxes based on age, the state does recognize the financial challenges faced by older residents and offers options to help.
If you’re 62 or older and own your home, applying for the Senior Property Tax Deferral Program could be a wise financial move — especially if you’re living on a fixed income.
Before applying, it’s a good idea to talk to a tax advisor or contact your local tax assessor to get help with eligibility and paperwork.
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Do you have more questions about property taxes, deferrals, or senior benefits in Oregon? Leave a comment below or reach out — we’re always happy to help our readers stay informed and empowered.