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Blog · Exemptions · 2026-08-02 · 2 min read

The homestead exemption for persons with disabilities

An annual exemption for owner-occupiers with a qualifying disability, requiring yearly proof.

Illinois provides a homestead exemption for owner-occupiers with disabilities, separate from the veterans' exemptions.

Who qualifies

An owner who occupies the property as their principal residence and has a disability meeting the statutory definition — commonly evidenced by a Social Security disability award, a Veterans Administration determination, or a physician's statement on the county's form.

Annual renewal

It generally requires annual application with current proof. This is the most common way it is lost: the qualifying condition has not changed, but the paperwork was not returned.

Combining

It sits alongside the general homestead exemption. An owner may also qualify for senior exemptions if they meet those tests too.

The disabled veterans' alternative

A veteran with a service-connected disability should compare this against the veterans' exemption, which is often larger. You would not normally hold both for the same property.

How to start

Ask the Supervisor of Assessments for the current form and the accepted proofs. Bring the documentation you already have — the qualifying determination usually already exists.

This is general information about how Illinois assessments and appeals work. It is not legal advice, not an appraisal, and not a prediction about your case. Deadlines and rules differ by county — check yours with your Board of Review.

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More on Exemptions

The general homestead exemption, and how it goes missing The one nearly every Illinois owner-occupier gets — and the one that quietly falls off after a title change.The senior citizens homestead exemption An additional reduction for owner-occupiers aged 65 or over. Some counties renew it automatically; some do not.The senior assessment freeze: what it does and does not freeze It freezes the assessed value, not the tax bill. People are surprised by that every year.The home improvement exemption: renovate without an immediate tax rise Up to a statutory limit of added value is exempt for four years. Most people never claim it.

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