01/10/2026
What Property Tax Postponement (PTP) Is:
A property tax postponement program generally allows you to delay paying your property taxes. Instead of paying each year, the government puts a lien on your home and you pay the taxes later, usually when you sell the home, transfer it, refinance, or settle your estate.
Many states have programs to help:
•Older homeowners (often 62+)
• People on fixed incomes
• Disabled homeowners
Examples include California’s Property Tax Postponement program (for seniors and disabled homeowners).
Who It Helps Most
You’re on a fixed income
If your income doesn’t stretch far, delaying a large yearly tax bill can ease cash flow.
You want to stay in your home
PTP lets you keep your home without having to sell or borrow against it just to pay taxes.
You have equity
There needs to be enough equity in your home to cover the postponed taxes.
Consider These Trade-Offs
1. Interest and penalties may accrue
Some programs add interest on the postponed amount (though many states offer low or no interest).
Make sure you understand what the final payoff amount will be.
2. You give up some equity
Postponed taxes become a lien, meaning the government gets paid back first if you sell or refinance.
3. It can affect refinancing or borrowing
Lenders consider tax liens when assessing your home’s value and available equity.
4. Future obligations
Eventually the taxes must be paid — either from savings later, refinancing, or when the home transfers.
