Property Tax Deferral for Senior Citizens and People with Disabilities
Washington State Department of Revenue
这个项目让符合条件的房主延缓缴纳主要住宅的房产税。它由县评估官管理。您可以延缴当期和欠缴的房产税，以及特别摊派费。延缴的金额按 5% 的单利计息，并由州对该房产设立的留置权作担保。当房屋出售、您去世，或房屋不再是您的主要住宅时，您把这笔款项还清。
谁符合资格
包含哪些内容
费用
怎么申请
如何申请
Contact your county assessor
You file with your county assessor, not through a state portal. Ask about the exemption at the same time, since it is the better deal if you qualify for it.
- Form 64-0011, the deferral application 打开
- Form 63-0036, the Combined Disposable Income Worksheet
- Department of Revenue Property Tax Division 360-534-1400
- Find your county assessor 打开
需要准备的材料
- Completed deferral application, Form 64-0011
- Combined Disposable Income Worksheet, Form 63-0036, plus income records
- Proof that you are 60 or older by December 31, or proof of disability
- Deed or trust documents showing you own and live in the home
- Mortgage, reverse mortgage, and lien balances as of January 1
- Your current fire and casualty insurance policy or statement
- Death certificate, will, and proof you are at least 57
获批后请继续做好这些
这些不是一次性的步骤。有一项疏漏就可能让您失去福利。
- Keep your fire and casualty insurance in force, naming the Department of Revenue as loss payee. This is a continuing condition, not just a document you file once. If it lapses, the deferral cannot exceed the equity in your land alone, and going over that triggers repayment of the whole balance.Check that your policy still names the Department of Revenue as loss payee whenever you renew it.
- If the person with the deferral dies, a surviving spouse, partner, or heir who is at least 57 has only 90 days from the death to file their own application with the county assessor. Miss that window and the entire deferred balance plus interest becomes due immediately. Families should know this in advance rather than discovering it during probate.Tell whoever will handle your estate about this 90 day window now, while it is easy, rather than leaving them to find it.
- The full balance plus 5 percent interest also comes due if you transfer ownership, stop living in the home permanently, or the property is condemned.
值得了解
This is not the exemption. The deferral does not reduce your bill. It postpones it as a lien against your home with 5 percent simple interest, repaid when the home is sold, when the owner dies, or when it stops being the primary residence. Confusing the two is the biggest pitfall in this program.
There is no veteran disability rating path into the deferral, at any percentage. The word veteran does not appear in the statute, and the application form has no veteran box. A disabled veteran can still qualify, but through the Social Security disability route rather than a rating.
The age for the deferral is 60, while the exemption is 61. That looks like a typo but it is a real difference between two statutes.
The deferral is capped at 80 percent of your equity value, so a heavily mortgaged home may not qualify.
The income ceiling is higher than the exemption's, so owners who earn too much for the exemption can still qualify here. It is set per county and by tax year, so confirm both with your assessor.
How you hold title matters. Cooperative housing shares, life estates, leases for life, and revocable trusts are not qualifying forms of ownership for this program.
At 5 percent simple interest this is usually cheaper than other borrowing, so it can be a good deal for someone equity-rich and cash-poor. It is still deferred debt that your heirs repay from the home, not free money.
There is a separate deferral for homeowners with limited income under a different statute, with a $57,000 income limit, a five year ownership requirement, variable interest rather than a flat 5 percent, and a September 1 deadline. Do not confuse the two.
查看您的下一步、需要准备的材料以及如何申请。保存到您的账户即可跟踪进度。
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不确定这个是否适合您的情况？您当地的老龄事务局可以核查您符合哪些资格，并为您指出合适的项目，完全免费。没有人会出售您的信息，也没有人会向您推销来电。
来源 dor.wa.gov/taxes-rates/property-tax/property-tax-exemptions-and-deferrals
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