Buying a home in Houma comes with a big perk many folks overlook: the homestead exemption. If you plan to live in your new place as your primary residence, this local tax benefit can lower the taxable value of your home and reduce your annual property tax bill. As a new or soon-to-close homeowner, you want simple answers and clear steps, not legal jargon.
Below, you’ll learn who typically qualifies, how to file in Terrebonne Parish, what documents to bring, and how to make sure your savings show up on your tax bill. You’ll also find trusted local offices to contact for the most current forms and deadlines. Let’s dive in.
Homestead exemption basics
A homestead exemption is a property tax benefit for owner-occupied primary residences. In Louisiana, state law authorizes parishes to administer this exemption for ad valorem (property) taxes. In Terrebonne Parish, the Assessor’s Office handles applications and applies the exemption to the tax roll.
The exact benefit amount and how it’s calculated are based on state rules and local implementation. That is why your application, documents, and deadlines flow through the Terrebonne Parish Assessor. If you need the formal legal basis, look to the Louisiana Constitution and guidance from the Louisiana Tax Commission.
Who qualifies
Most homeowners who live in the home as their primary, permanent residence may be eligible. The key is occupancy and ownership.
Primary residence requirement
- You must own the property and occupy it as your principal home.
- Vacation homes, rentals, and investment properties do not qualify.
- If more than one person owns the home, the exemption usually applies to the owner-occupant(s). The assessor will make the final determination.
Eligible owners
- Natural persons who own the home individually or jointly can typically apply if they live there.
- Properties owned by corporations or certain trusts may not qualify unless local rules provide an exception.
Special categories
Some homeowners may access additional relief, separate from the standard homestead exemption. These can include:
- Veterans and disabled veterans.
- Seniors who meet age and, in some cases, income guidelines.
- Totally disabled persons.
Availability and rules for these programs vary. Contact the Terrebonne Parish Assessor to confirm what’s offered locally and what extra documents you need.
Mobile and manufactured homes
Mobile or manufactured homes may qualify if the home is your primary residence and properly titled or affixed and recorded according to local rules. Check with the assessor on how your home is classified and what records are required.
How to apply in Terrebonne Parish
Most parishes follow a similar approach. Use this checklist to get ready, then verify specifics directly with the assessor.
1) Establish ownership and occupancy
- Make sure your deed or act of sale is recorded with the Terrebonne Parish Clerk of Court.
- Move in and occupy the property as your primary residence.
2) Gather documents
Bring originals and copies, including:
- Recorded deed or closing statement.
- Government-issued photo ID showing your Houma/Terrebonne address.
- Proof of occupancy, such as a recent utility bill.
- Social Security number details as requested on the form.
- Paperwork for any special status (veteran documentation, disability certification, or proof of age/income for senior programs).
3) Get the application form
- Pick up the homestead exemption form from the Terrebonne Parish Assessor’s Office or check the parish website for instructions.
- Some parishes allow in-person filing only, while others may provide online forms or guidance. Confirm what’s available locally.
4) File by the deadline
- Deadlines differ by parish and may be tied to your purchase date or the tax year.
- If you’re unsure, file as soon as your deed is recorded and you occupy the home.
- Missed the window? Ask whether a retroactive application for the current tax year is possible.
5) Watch for confirmation on your tax bill
- After processing, the exemption should appear on the tax roll and on your next tax notice.
- If you don’t see it, contact the assessor. Keep copies of everything you submit.
6) Report changes
- Notify the assessor if you move, sell the property, or your occupancy changes.
- Be prepared for occasional audits or verification requests.
What benefits to expect
The homestead exemption lowers the taxable assessed value of your home, which generally reduces what you owe to local taxing bodies such as the parish, school district, city, or special districts. The exact calculation and savings depend on state law and how it’s applied by the parish.
Some homeowners may qualify for additional exemptions or credits tied to veteran status, age, or disability. These programs can further reduce tax liability, but they have separate eligibility rules and documentation. Always confirm what applies to you before counting on a specific dollar amount.
When your tax notice arrives, look for:
- A clear line showing the homestead exemption.
- The exemption applied across the taxing districts that cover your property.
- A contact number or office name if you have questions. Reach out promptly if something looks off.
Timeline and tips for Houma buyers
- File early. Submit your application as soon as your deed is recorded and you move in.
- Bring documents to closing. Collect your deed, closing statement, and proof of insurance or occupancy so you can file right away.
- Keep records. Save copies of your recorded deed, application, and any assessor correspondence.
- Check your first tax bill. Confirm the exemption appears. If not, contact the assessor quickly because protest and correction windows can be limited.
- Combine benefits carefully. If you think you qualify for a veteran, senior, or disability program, ask about filing both and what extra documents are required.
- If denied, ask about appeals. Follow the assessor’s instructions and timelines for protests or reviews.
Where to verify details
For the most accurate, up-to-date rules and forms, go straight to the source. Office details and websites can change, so search by name or visit the Terrebonne Parish official site and navigate to the right department.
- Terrebonne Parish Assessor’s Office: Application forms, filing instructions, deadlines, and eligibility.
- Terrebonne Parish Clerk of Court: Deed recording dates and recorded document copies.
- Terrebonne Parish Tax Collector or Treasurer: Tax bills, payment details, and confirmation that exemptions applied.
- Louisiana Tax Commission: State-level guidance on assessments and exemptions.
- Louisiana Legislature resources: Constitutional and statutory language on property tax exemptions.
- Louisiana Department of Veterans Affairs: Help with veteran-related documentation if you’re applying for additional benefits.
Common scenarios in Houma
You bought a home and moved in. You record your deed, file the homestead application, and the exemption reduces your taxable value for the next bill. Your total tax due is typically lower than it would be without the exemption.
You’re a qualifying senior or veteran. You apply for the standard homestead exemption and also ask the assessor about any additional programs you may qualify for. If eligible, those added benefits can further reduce your tax bill.
Keep it current
Rules, forms, and deadlines can change. Any time your situation changes, such as moving or transferring ownership, update the assessor. If something on your bill looks unusual, reach out quickly. Small steps now help you avoid missed savings later.
Let a local team help
If you are buying in Houma or planning your move, our team can walk you through the homestead exemption steps while keeping your closing on track. We know the local offices, the typical timing, and how to set you up for a smooth first tax cycle. When you are ready for clarity and personal guidance, connect with Good Earth Realty Houma.
FAQs
Do new Houma homeowners get the homestead exemption automatically?
- No. You generally must apply with the Terrebonne Parish Assessor after your deed is recorded and you occupy the home as your primary residence.
What documents do I need to apply in Terrebonne Parish?
- Plan to bring your recorded deed or closing statement, photo ID with your Houma address, a recent utility bill, and identification details requested on the form. Bring any paperwork for veteran, senior, or disability benefits if you plan to apply for those too.
Does the homestead exemption affect my state income taxes?
- No. The homestead exemption reduces local property taxes, not state income taxes.
Do I have to reapply every year in Terrebonne Parish?
- Procedures vary. Many homestead exemptions remain in place while you are the owner-occupant, but you must notify the assessor if your occupancy or ownership changes. Confirm local requirements with the assessor.
Can co-owners both claim the homestead exemption on one home?
- Generally, the exemption applies to owners who occupy the property as their primary residence. If co-owners live there together, the assessor will apply local rules to the claim.
Are there extra benefits for seniors, disabled homeowners, or veterans in Terrebonne Parish?
- Possibly. Additional exemptions or freezes may be available based on age, disability, or veteran status. Ask the Terrebonne Parish Assessor which programs exist locally and what documents you need to qualify.
