Hamilton County Senior Property Tax Deductions & Credits
Last Updated: August 2026
Hamilton County homeowners age 65 and older may qualify for property tax relief through Indiana’s Over-65 Credit or Over-65 Circuit Breaker Credit.
Indiana recently discontinued the old Over-65 Deduction and replaced it with a credit, so older information you find online may no longer be accurate.
Quick Answer
Hamilton County currently offers two primary property tax benefits for qualifying seniors:
- Over-65 Credit – up to $150 per year
- Over-65 Circuit Breaker Credit – limits qualifying property tax increases to no more than 2% over the previous year’s liability
Applications are handled by the Hamilton County Auditor’s Office.
For someone applying in 2026 for taxes payable in 2027, the deadline is January 15, 2027.
Hamilton County Over Age 65 Information
→ View All Property Tax Deductions & Credits
Over-65 Credit
Indiana’s former Over-65 Deduction has been replaced with the Over-65 Credit.
The credit provides up to $150 per year toward qualifying property taxes.
To qualify, you generally must:
- Be at least 65 by December 31 of the year before the credit is claimed
- Have an ownership interest in the property
- Meet the applicable income requirement
For the current program, federal adjusted gross income generally cannot exceed:
Individual: $60,000
Married couple: $70,000
Unlike the former deduction, the new Over-65 Credit does not have an assessed-value limit.
Over-65 Circuit Breaker Credit
Some Hamilton County seniors may also qualify for the Over-65 Circuit Breaker Credit.
This benefit can prevent property tax liability on a qualifying homestead from increasing by more than 2% over the previous year’s tax liability.
For applications filed in 2026 for taxes payable in 2027, Hamilton County lists income limits of:
Individual: $61,680
Married couple: $71,960
Beginning with 2026 Pay 2027, these income thresholds are adjusted annually based on the Social Security cost-of-living adjustment.
Check Hamilton County’s Over Age 65 page for current limits before applying.
How to Apply
Senior property tax benefits are handled through the Hamilton County Auditor’s Real Property Department.
Hamilton County says applicants should be prepared to provide:
- Proof of age, such as a driver’s license or state ID
- Proof of income, such as a federal tax return
- Property information
Hamilton County Auditor – Real Property Department
33 N. 9th Street
1st Floor, Southwest Corner
Noblesville, IN 46060
Phone: 317-770-4412
Don’t Forget the Homestead Deduction
Senior credits are separate from Indiana’s Homestead benefits.
If the property is your primary residence, make sure you are also receiving the Homestead benefits for which you qualify.
→ View Hamilton County Homestead Exemption
You can check the deductions and credits currently attached to your property through Hamilton County Property Reports & Payments.
Other Benefits for Older Homeowners
Some older homeowners may qualify for additional property tax relief because of disability or veteran status.
Hamilton County’s current benefits include a Blind/Disabled Credit and several benefits for qualifying disabled veterans.
→ View Property Tax Deductions & Credits
Check with the Hamilton County Auditor if you’re unsure which benefits may apply to you.
Local Tips
- Don’t use old eligibility information for the former Over-65 Deduction.
- Check both the Over-65 Credit and Over-65 Circuit Breaker Credit.
- Income limits can change, so verify the current amount before applying.
- Check your property record to see which credits and deductions are already applied.
- Make sure your Homestead Deduction is also in place if the property is your primary residence.
- Apply before the deadline rather than waiting for your next tax bill.
Frequently Asked Questions
Does Indiana still have an Over-65 Deduction?
No. The old Over-65 Deduction has been discontinued and replaced with an Over-65 Credit.
How much is the Over-65 Credit?
The current credit is worth up to $150 per year.
What is the Over-65 Circuit Breaker?
It limits the increase in property tax liability on a qualifying homestead to no more than 2% over the previous year’s liability.
Where do I apply?
Applications are handled through the Hamilton County Auditor’s Real Property Department.
Can I have Homestead benefits and a senior credit?
Yes, if you meet the requirements for both programs.
Related Pages
→ Property Records
→ Tax Lookup
→ Property & Taxes
Official Resources
Hamilton County Over Age 65
Current eligibility, income limits and filing information for senior property tax credits.
Hamilton County Property Tax Deductions & Credits
Information about property tax benefits administered by the County Auditor.
Hamilton County Property Tax Deductions & Credits
Indiana DLGF Deductions & Credits
Current statewide property tax benefit information and forms.
Indiana Property Tax Deductions & Credits
Summary
Hamilton County residents age 65 and older may qualify for the Over-65 Credit of up to $150 per year and/or the Over-65 Circuit Breaker Credit, which can limit increases in qualifying property taxes.
Because Indiana recently changed its senior property tax programs, use the current Hamilton County eligibility requirements rather than older information about the former Over-65 Deduction.
Also check Property Tax Deductions to make sure you’re receiving any other benefits for which you qualify.