Money and taxes
Colorado Property Tax Deferral for Seniors, 2026
Colorado homeowners 65+ can defer property taxes with a low-interest state loan.
A live person answers. Not a robot, not a phone tree.
65+, plus active military
Who can defer property taxes in Colorado?
Colorado lets homeowners 65 and older, plus active military, defer property taxes with a low-interest loan from the Colorado Department of the Treasury. It is a loan, not an exemption, and it is recorded as a junior lien until paid in full (Park County Treasurer, 2026). For 2026, county treasurers took applications January 1 through April 1.
Who qualifies?
- You are 65 or older as of January 1 of the year you apply, or an active military service member.
- You own the home and live in it.
- All prior years' property taxes are paid.
- There is no reverse mortgage on the home, and total liens are 75% or less of actual value (La Plata County Treasurer).
How is it different from the senior exemption?
- The senior exemption lowers the bill. It needs 10 years of ownership and occupancy.
- The deferral postpones the bill. You repay it later with interest.
- Check the exemption first. It is free money. The deferral is borrowed money.
Who runs the program in 2026?
- New legislation moved the paperwork to the counties. Starting in 2026, your county treasurer hands out, accepts and reviews applications (Colorado Department of the Treasury). The 2026 window ran January 1 to April 1 (Park County Treasurer, 2026).
What happens when I sell?
- The deferral is a junior lien on the home until it is paid in full (Park County Treasurer, 2026).
- At closing the title company pays off recorded liens from your proceeds.
- Ask the treasurer for a payoff figure before you set your list price. It changes your net.
Should I defer if I plan to sell soon?
- The deferral saves cash now. The lien and interest come out of your sale proceeds.
- If you plan to list within a year, compare the payoff with paying the tax.
- We put the payoff line on your net sheet before you list.
Does a deferral block a reverse mortgage purchase?
- A home with a reverse mortgage does not qualify for the deferral (La Plata County Treasurer).
- If you plan a HECM for Purchase on your next home, pick one program for that home, not both.
Quick answers
Questions, answered.
Is the Colorado property tax deferral a grant?
No. It is a low-interest loan from the state, recorded as a junior lien (Park County Treasurer, 2026).
When do I apply for the deferral?
County treasurers accepted 2026 applications from January 1 to April 1.
Can I get the deferral if I have a reverse mortgage?
No. A reverse mortgage on the home disqualifies it (La Plata County Treasurer).
Homes for sale now
Homes over $1 million for sale across the Front Range
Single-family homes from $1,000,000 in 32 cities from Fort Collins to Colorado Springs, highest price first. Active and Coming Soon listings from REcolorado.
Want to see one of these, or a home that is not on the market yet? Call or text 303-955-4220. A live person answers.
Free playbook
The Colorado Luxury Downsizing Playbook.
Sell the estate, buy the right home, move once. The 12-week plan, the tax and cash questions, the ranch, patio, 55+ and golf communities, and the checklist. 8 pages, free.
A live person answers. Not a robot, not a phone tree.
Private consultation
Ask us about colorado property tax deferral for seniors, 2026.
303-955-4220A live person answers. Not a robot, not a phone tree.
- Private showings on your schedule, including evenings and weekends.
- Off-market homes from The Kenna Group's agent network.
- One point of contact from the first showing to the closing table.
Kenna Luxury Real Estate is a division of The Kenna Group at Keller Williams DTC (KWDTC).