For New York homeowners over 65, property tax relief can feel like a maze of similar-sounding programs. The STAR Credit, Enhanced STAR, and Senior Citizens Exemption all promise savings—but the rules overlap in confusing ways. Some retirees accidentally miss out on thousands of dollars in benefits simply because they misunderstand how these programs work together. Others lose eligibility after making small income or residency changes. Knowing when these exemptions interact—and when they don’t—is key to maximizing your annual property tax break.
