Mortgage Exemptions

How to File your Homestead and Mortgage Exemptions

Mortgage exemptions and homestead exemptions may also be referred to as property tax deductions. These tax deductions save homeowners a lot of money!

A homestead exemption is available to homeowners who use their home as a primary residence (rather than a rental or vacation home). This is typically filed for you when you purchase a home, as part of the closing process, but it’s smart to check with the county to make sure that it’s been recorded appropriately. For more information, take a look at this fact sheet.
The homestead exemption keeps your taxes at 1% of the assessed value, instead of 2%.

A mortgage exemption is available to homebuyers who have a mortgage. You need to apply for a mortgage exemption if:
  • You purchased a home and you have a mortgage
  • You refinanced your mortgage
  • You changed your deed or changed the ownership name reflected on a property title
HOW TO FILE: If you file in person, take the packet that you received at closing to the county auditor’s office and tell them you need to file your Mortgage Exemption. While you are there, check to make sure that your Homestead Exemption has been filed, and get a receipt!
Several counties also provide the option to file online! Find links to your county auditor’s office below!

WHEN TO FILE: We always recommend filing sooner rather than later, because everyone waits until the last minute. A good rule of thumb is to make sure to file after you make your first mortgage payment, but before the end of the year. Requirements may vary from county to county, so check with your auditor’s office!
*If you closed on a home in December, you must have a complete and dated application submitted by December 31 of the purchase year.
If you have questions about this process, feel free to contact us. We’re happy to help!

Here’s the breakdown for counties in the Indianapolis area:

Hamilton County

Auditor’s Office
33 N 9th St, Suite L21
Noblesville, IN 46060
(317) 776-9602

Marion County

Auditor’s Office
200 E. Washington St. Suite 801
Indianapolis, IN 46204
(317) 327-3001

Hendricks County

Auditor’s Office
355 S. Washington STE 202
Danville, IN 46122
(317) 745-9300

Boone County

Auditor’s Office
201 Courthouse Square
Lebanon, IN 46052
(765) 482-2940
Note: File in Person

Johnson County

Auditor’s Office
86 W. Court St.
Franklin, IN 46131
Phone: (317) 346-4310
Fax: (317) 736-7021
Note: File in Person

Madison County

Auditor’s Office
16 E. 9th Street, Room 101
Anderson, IN 46016
(765) 640-4209

Hancock County

Auditor’s Office
111 S. American Legion Place, Suite 217
Greenfield, IN 46140
(317) 477-1105
Note: File in Person

Morgan County

Auditor’s Office
180 South Main, Suite 104
Martinsville, IN 46151
Phone: (765) 342-1001
Fax: (765) 342-1015
Note: File in Person

Shelby County

Assessor’s Office
25 W. Polk Street, Room 205
Shelbyville, IN 46176
Phone: (317) 392-6306
Fax: (317) 421-8419
Note: File in Person

Brown County

Assessor’s Office
201 Locust Lane, 1st Floor
Nashville, Indiana 47448
P.O. Box 351
Phone: (812) 988-5486
Fax: (812) 988-5520
Note: File in Person