WORDS I LIKE — What follows you and what doesn't.
You've paid property taxes on this house for 20 years.
The senior exemption cut that bill in half.
You assume it moves with you when you sell.
It doesn't.
It's tied to the house — not to you.
The Detail That Changes The Decision.
Colorado's Senior Property Tax Exemption cuts your home's taxable value in half, up to $200,000. It's real money — and most longtime owners assume it's theirs for good.
A new law, SB24-111, lets seniors moving in 2025 or 2026 carry the exemption to a new home. But the bridge only runs through tax year 2026 — right as peak moving season hits.
Here's the part that surprises people: the exemption was never attached to you. It's attached to the address. Sell without filing for the bridge, and the clock resets to zero — no matter how many years you qualified.
Denver has an estimated 69,215 households aged 62 and older. The state's own revenue forecast already shows funding for the broader exemption falling short of what's needed. That makes this a check-before-you-list question — not a check-after-the-bill one.
A summer move could carry a tax consequence most sellers never think to ask about.
THIS WEEK'S TAKEAWAY
Check whether your exemption survives the move — before you list, not after the tax bill arrives at the new address.
Want Clarity On Your Numbers?
Get Mortgage Clarity — One Focused Call. A simple, no-pressure 30-minute conversation about your numbers and your next smart step.
PS
If you're planning a move in the remainder of 2026 and want to check whether your senior exemption carries over, reply "exemption" and I'll walk you through the filing window.
No spam. No sales pitches. Just clarity.
— Neil Christiansen, Certified Mortgage Advisor
