Connecticut Property Tax Exemptions 2026: Homestead, Senior, Veteran & Disability
Connecticut (CT) homeowners have several ways to legally reduce their property tax bill — homestead reductions, senior credits, veteran exemptions, and disability programs. This page lists every Connecticut property tax exemption available in 2026, who qualifies, dollar amounts, and how to apply.
Quick answer: The most common Connecticut property tax exemption is the general homestead reduction for owner-occupied primary residences. Additional savings stack on top for residents who are age 65+, disabled, a disabled veteran, or a surviving spouse. Most Connecticut exemptions require a one-time application with the local county assessor; some need annual income recertification.
How much can a Connecticut homeowner save with the homestead exemption?
For a median Connecticut home valued at $343,200 (current annual tax $6,575), the general homestead reduction alone is worth roughly:
All Connecticut property tax exemptions at a glance
| Exemption | Who qualifies | Benefit | Typical savings |
|---|---|---|---|
| Homestead (general) | Owner-occupied primary residence | ~$10,000 value reduction | $192/yr est. |
| Senior / Age 65+ | Owner-occupied; age 65+; often income-capped | Additional reduction or freeze | $200 – $2,000/yr |
| Disabled veteran | Service-connected disability rating | Up to 100% exemption in many states | $1,000 – full bill |
| Disability (non-veteran) | Permanent total disability | Reduction + sometimes freeze | $200 – $1,500/yr |
| Surviving spouse | Of veteran, first responder, or senior | Continuation of decedent's exemption | Same as deceased's benefit |
| Agricultural / farm | Active agricultural use | Use-value assessment instead of market | 30% – 80% lower bill |
Estimated savings use Connecticut's effective property tax rate of 1.92% on the median home value of $343,200. Your actual savings depend on your county assessor's millage and how exemptions are applied to assessed (vs. market) value.
Elderly and Disabled Circuit Breaker
Connecticut's flagship senior relief is the state-funded Elderly and Disabled Homeowners' Circuit Breaker. The state pays the credit directly to the municipal tax collector on behalf of qualifying homeowners.
Maximum credit
- Single filers: up to $1,000
- Married couples: up to $1,250
Eligibility
- Age 65+ OR totally disabled (any age)
- Connecticut resident
- Owner of record of the property as primary residence
- Household income meets annual limits (approximately $53,400 single / $65,000 joint for 2026 — indexed annually)
Application
File with the local assessor between February 1 and May 15 annually. Include prior-year federal tax return. State-funded; does not reduce the municipality's revenue, just redirects who pays.
Frequently Asked Questions
What is Connecticut's property tax assessment ratio?
70% of fair market value, applied uniformly statewide under Connecticut General Statutes § 12-62. The mill rate is applied to 70% of market value. Your assessment notice should show both the full market value (or "100% value") and the 70% assessed value.
What is the Connecticut Elderly and Disabled Circuit Breaker?
A state-funded property tax credit delivered directly on the local tax bill. Maximum $1,000 for single filers, $1,250 for married couples. Eligibility: age 65+ or totally disabled, household income under approximately $53,400 single or $65,000 joint for 2026 (indexed). Apply with local assessor between February 1 and May 15.
What is the veterans' property tax exemption in Connecticut?
Honorably discharged veterans receive a $1,500 statewide minimum exemption of assessed value. Additional exemption based on service-connected disability rating: $5,000 for lower disabilities, $10,000 for severe (e.g., loss of two limbs). Local towns may adopt higher enhanced veterans' exemptions ranging from $10,000 to $25,000.
Now check your county's actual rate
Exemptions reduce the taxable amount — but the millage your county charges is what determines the bill. See the 2026 effective rate for every Connecticut county.
Browse Connecticut Counties → Read the full Connecticut guideConnecticut Office of Policy and Management — Property Tax · Connecticut General Assembly — Mandatory Property Tax Relief for Homeowners (2026-R-0027) · Connecticut General Assembly — Veterans Property Tax Exemptions by Town · Connecticut General Statutes Title 12 Chapter 203 (Property Tax) · Connecticut Department of Revenue Services · Darien, CT Assessor's Office — Assessment Exemption Guide. Exemption amounts and filing deadlines verified against the 2025-2026 legislative sessions and official state publications. Always verify with your local assessor before filing — programs change annually. This page is informational and is not tax or legal advice.