Homeowner Exemption

Most homeowners are eligible for this exemption if they own and occupy their property as their principal place of residence. Once the exemption is applied, the Assessor’s Office automatically renews it each year. A Homeowner Exemption provides property tax savings by reducing the equalized assessed value. 

Automatic Renewal: Yes, this exemption automatically renews each year. 
Due Date: The regular deadline to file is closed, however homeowners can file for a Certificate of Error to correct past tax bills.

Did you file online for your homeowner exemption?
Log in to view your application status

How can a homeowner see which exemptions were applied to their home?
Check the Property Details, then review the Exemption History and Status section.
📌 Reminder: Exemptions appear on your second installment tax bill issued in the summer. To learn more about how the property tax system works, click here

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Apply for past exemptions by filing a Certificate of Error

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If your home was eligible for the Homeowner Exemption for past tax years including 2023, 2022, 2021, 2020, 2019, or 2018, and the exemption was not applied to your property tax bill, the Assessor’s Office can help you obtain a refund through what is called a Certificate of Error. 

Apply online for tax years 2019 through 2023. 
Apply Online

Download the paper form for tax years 2019 through 2023. 
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Download the paper form for tax year 2018. 
Tax Year 2018

Paper forms can be mailed to: 118 North Clark St., Room 320, Chicago, IL 60602

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Cooperative Properties: How to Apply for Exemptions

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Homeowners of cooperative properties cannot use the normal online filing system. If you are an owner of a cooperative property, please complete the following steps. 

  1. Download this application
  2. Complete the form and gather copies of supporting documentation
  3. Email the complete application and supporting documents to assessor.coops@cookcountyil.gov or mail them to 118 North Clark Street, Room 320, Chicago, IL 60602 / Attn: Taxpayer Information Department/COOPS
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  1. Either own or have a lease or contract which makes you responsible for the real estate taxes of the residential property
  2. Occupy the property as your principal place of residence on January 1, 2023. 
    • This exemption will be prorated if you purchased a newly constructed home that was not ready for occupancy until sometime after January 1 of the tax year in question. For further assistance regarding a newly constructed home, please contact us.
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Documentation Required to Apply 

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  1. Proof of Identity and occupancy in 2023.
  • A copy of one photo ID from List A must be provided along with an Occupancy Affidavit (the affidavit is provided within the online application).  The name and property address must match the application and the date of issue must verify that you occupied this property in 2023.

    List A: Photo IDs that verify identity and occupancy
    • Illinois Drivers License / ID Card
    • Matrícula Consular ID
    • City of Chicago ID Card


  • If the address on your photo ID does not match the property address, a copy of one document from List B and one from List C, and an Occupancy Affidavit must be provided. 

    List B: Photo IDs that verify identity 
    • Illinois Drivers License / ID Card
    • Matrícula Consular ID
    • City of Chicago ID Card
    • US Military ID
    • Passport
    • Certificate of Naturalization (N-550/N-570)
    • Permanent Resident Card (I-551)
    • Refugee Travel Document (I-571)
    • Employment Authorization Card (I-766)
    List C: Documents that verify occupancy in 2023
    • Bank statement
    • Landline, cable, or internet bill
    • Pay stub or Social Security Award letter
    • Voting record from 2023 (from Cook County Clerk’s office or Chicago Board of Elections)

     2. Proof of Property Tax Liability

  • If you are listed on the deed recorded at the Cook County Clerk's Office, this verifies your property tax liability. The Assessor’s Office staff can verify recorded deeds for you, so you do not need to provide a document.
  • If you are NOT listed on the recorded deed, please provide one of the following documents to verify you are liable for payment of property taxes for this property:
    • Deed (if not recorded) or contract for a deed
    • Trust Agreement
    • Stock Certificate
    • Occupancy Agreement
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Frequently Asked Questions

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I have never applied for the Homeowner Exemption. How do I apply?
If you have never received a Homeowner Exemption on your home, you will need to file an initial application. Exemption forms may be filed online, or you can obtain one by calling one of the Assessor's Office locations or your local township assessor. 

Do I have to apply every year?
No. Once you apply, the Homeowner Exemption will renew automatically in subsequent years as long as your residency remains the same. 

Can I receive a prorated exemption if my home is new construction and I move in after January 1?
This exemption will be prorated if you purchased a newly constructed home that was not ready for occupancy until sometime after January 1 of the tax year in question. For further assistance regarding an exemption for a newly constructed home, please contact us.

How are Homeowner Exemption savings calculated?

The Homeowner Exemption reduces the Equalized Assessed Value (EAV) of a property by $10,000.  EAV is the partial value of a property used to calculate tax bills. It is important to note that the exemption amount is not the dollar amount by which a tax bill is lowered. Your property tax savings from the Homeowner Exemption is calculated by multiplying the Homeowner Exemption savings amount ($10,000) by your local tax rate. Your local tax rate is determined by the Cook County Clerk and can be found on your second installment tax bill or by contacting the Cook County Clerk's Office at 312- 603-6566.

Please see the example below. 

$100,0002022 Estimated Fair Market Value
X.10Assessment Level (10% for residential properties)
$10,0002022 Assessed Value
2.92372022 State Equalizer
$29,2372022 Equalized Assessed Value (EAV)
-10,0002022 Homeowner Exemption
$19,2372022 Adjusted Equalized Assessed Value
X.082022 Tax Rate (example; your tax rate could vary)
$1,538.96Estimated Tax Bill in dollars


I am no longer eligible for the Homeowner Exemption, how do I opt out? 
Please complete the Exemption Removal Waiver. For more information on how to remove an exemption, visit www.cookcountyassessor.com/erroneous-exemptions. 

How can I apply for a Homeowner Exemption for a prior tax year?
If you were eligible for the exemption in a prior Tax Year but the exemption was not on your bill, you can apply for a refund or corrected bill by filing for a certificate of error

+ Frequently Asked Questions

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Download Guides

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Certificate of Error Brochure         Brochure