Homestead Exemption in Texas
State-specific overview · Property & Real Estate
Texas provides unlimited homestead protection for primary residences, with no cap on the equity shielded from creditors.
How Texas treats Homestead Exemption
Texas offers one of the strongest homestead exemptions in the nation, protecting the entire value of a primary residence from most creditor claims. The exemption covers up to one acre in a city or town, or up to 100 acres in a rural area. This protection does not apply to mortgages, property taxes, home equity loans, or mechanics' liens for home improvements.
The general definition of Homestead Exemption
A legal protection that shields a primary residence from creditors' claims up to a certain value.
A homestead exemption is a law that protects your home from being seized to pay debts. When you claim a homestead exemption, a portion of your home's value becomes off-limits to creditors, even if you file for bankruptcy or lose a lawsuit. The amount protected varies by state, and you typically must file a declaration to activate the protection.
Read the full Homestead Exemption entry →This page is a plain-English reference and is not legal advice. State laws change frequently. For specific situations consult a licensed attorney in Texas.