Senior Tax Exemptions

A tax exemption is a release from the obligation to pay all or a portion of a tax. The following is a list of statutory exemptions offered by the Town of Andover. If you think you qualify for any of the exemptions offered, please contact the Assessors’ Office at (978)-623-8265, Monday thru Friday, between 8:30 a.m. and 4:30 p.m. Applications should be filed with the Board of Assessors every year. For a PDF Chart Version of the Chart Below, Click Here.

All applications for tax exemptions require the following documents: Birth certificate, death certificate, evidence of home ownership and occupancy, and income tax returns or IRS response to Form 4506 filing. (*This amount includes all money in checking or savings accounts, CD’s, mutual funds, stocks or bonds, etc.)
Clause Program Exemption Amount Requirements
41A
Real Estate Tax Deferral
• The entire tax bill may be deferred with certain long-term limitations 

• Total amount cannot exceed 50% of the value of your property

• Deferred amount incurs interest at 5%, payable with the deferred amount on release of a lien filed against your home
A. Own and occupy the property on July 1st.

B. Must be 65 years of age on or before July 1st.

C. Domiciled in Massachusetts for the preceding 10 years.

D. Owned and occupied real estate in MA as your domicile for at least 5 years.

E. Must have gross receipts from all sources in preceding year not exceeding $40,000.
41C • Initial amount is $1,000 per year

• Maximum amount is $2,000 per year
A. Owned and occupied the property on July 1st.

B. Must be 70 years old on or before July 1st.

C. Continuously domiciled in MA for the 10 years preceding the application.

D. Owned and occupied the property or other property in MA for 5 years.

E. Annual gross receipts (income) cannot exceed: Single: $20,000. Married: $30,000.

F. Whole estate (not including home value unless home is 4+ apartments) cannot exceed: Single: $40,000*. Married: $55,000*.
17D • Initial Amount is $175.00 per year.

• Maximum amount is $350.00 per year.
A. Either, surviving spouse (on or before July 1st) who owns and occupies the property  as their residence. 

B. Or, person 70+ (on or before July 1st) has owned and occupied the property as  residence for at least 5 years.

C. Or, a minor child of a deceased parent

D. Whole estate (not including home value unless home is 4+ apartments) cannot  exceed: $40,000*
Clause Program Exemption Amount Requirements
22 Veterans • Initial amount is at least $400.00 per year

• Maximum amount is at least $800.00 per year
Applicants must certify through the Veterans Administration at least a 10% disability connected with war service.
37 Blind Persons • Initial amount is $500.00 per year
• Maximum amount is at least $1,000 per year
Applicants must be declared legally blind as of July 1st and provide proof by a certificate issued by the Massachusetts Division of the Blind.

General Information About Exemptions:

All exemptions require that you own and occupy the property for which the exemption is sought. All exemptions are filed and awarded on an annual basis with the exception of 41A. Persons occupying under a “life estate” agreement are eligible for exemptions.