Can my town lower my property tax because I am a senior?
Short answer: Often, yes. Massachusetts towns offer senior exemptions (Clauses 17D and 41C), a tax deferral (41A) and, in many towns, a work-off programme. You must apply every year, usually by April 1 or three months after the actual bill is mailed. The state Circuit Breaker credit (up to $2,820 for tax year 2025) comes on top.
There are several separate kinds of help, and many people qualify for more than one.
- Senior exemptions (Clauses 17D and 41C) take a fixed amount off the bill if you meet the age, income and asset limits your town has set.
- The 41A deferral lets you postpone the tax until the house is sold or passes on, with interest.
- Senior work-off: many towns let you work for the town in return for a reduction in your bill.
- The Senior Circuit Breaker credit is paid by the state on your Massachusetts tax return (Schedule CB), even if you owe no tax. For tax year 2025 the most was $2,820, and you can claim missed years up to three years back.
Exemptions and deferrals must be applied for every year, usually by April 1 or three months after your town mails the actual tax bill, whichever is later. The assessors cannot accept a late application, so ask your town assessor for this year’s form now.
More: our tax relief guide, and the dates in This month.
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