Property taxes can keep rising even after your mortgage is paid off, which can be frustrating on a fixed income. Many states, counties and cities offer relief for older homeowners, but it is rarely applied automatically. You usually need to apply.

Relief can take different forms depending on where you live. Some areas offer an exemption that reduces the taxable value of your home, some freeze the assessed value once you reach a certain age, and others allow taxes to be deferred until the home is sold. Eligibility often depends on age, income and how long you've lived in the home.

Contact your local tax assessor's office or visit its website to learn what's available and how to apply. Ask about filing deadlines, since missing one can mean waiting another year. If you're unsure how an option like deferral could affect your estate or your heirs, talk it over with a tax professional or an attorney before signing up.