Indiana Homeowners Should Review Property Tax Credits Ahead of the January 15 Deadline

Date Posted: January 12, 2026

Indiana homeowners who qualify for certain property tax relief programs are encouraged to review recent changes to state law and confirm their eligibility before January 15. New legislation has restructured how some property tax benefits are applied, and in many cases, a new application is required to avoid losing valuable tax savings.

According to reporting from WDRB News, Indiana has transitioned several long-standing property tax deductions into credits. While this shift expands access for some homeowners, it also means prior deductions do not automatically carry over unless homeowners reapply under the new system.
🔗 Read the full WDRB article here:
https://www.wdrb.com/news/politics/indiana-reminds-eligible-homeowners-to-reapply-for-property-tax-credits-by-jan-15/article_05da8d99-d11e-489f-ad11-c8980b67e4eb.html

Understanding Indiana’s New Property Tax Credit Structure

The updated law replaces certain deductions with direct credits that reduce a homeowner’s total tax bill. Credits currently available to qualifying homeowners include:

• Blind or Disabled Credit

• Over-65 Credit, now available without assessed-value limits

• Over-65 Circuit Breaker Credit, designed to limit increases in property taxes for qualifying seniors

Once approved, these credits are designed to remain in place year over year, provided the homeowner’s eligibility does not change.

More information on Indiana property tax credits and eligibility requirements can be found through the Indiana Department of Local Government Finance (DLGF):
🔗 https://www.in.gov/dlgf/deductions-property-tax/

Why Reapplying Matters — Even for Longtime Homeowners

One of the most common misconceptions is that homeowners who previously qualified for a deduction are automatically covered under the new credit system. In many cases, that is not true.

Homeowners who fail to file the updated application with their county auditor by January 15 may miss out on tax relief that could otherwise reduce their annual obligation by hundreds of dollars. This is especially impactful for seniors, individuals on fixed incomes, and homeowners managing rising household costs.

County auditors can assist with determining eligibility and ensuring applications are completed accurately and on time.

The Importance of Property Tax Awareness During Real Estate Transactions

Property taxes play a meaningful role in both residential and commercial real estate transactions. Understanding available credits can help buyers, sellers, and current homeowners better plan for ownership costs, escrow calculations, and long-term affordability.

At Aristocrat Title, staying informed about changes in property tax law is part of delivering a smooth, transparent closing experience. Knowledge of exemptions, credits, and local requirements helps ensure fewer surprises at the closing table.

Trusted Guidance at Every Stage of Ownership

While Aristocrat Title does not provide tax advice, the company believes informed homeowners are empowered homeowners. Staying aware of deadlines, documentation requirements, and property tax changes is an important part of protecting one of life’s largest investments.

Aristocrat Title provides trusted, locally owned closing services throughout Southern Indiana and Greater Louisville. To schedule a closing, call 812.282.8704.