If you’re a New York homeowner, there’s a good chance a check is on its way to your mailbox—or your bank account. As part of the 2025 School Tax Relief (STAR) program, the state is issuing property tax rebates to millions of residents, offering a much-needed financial boost amid high housing and utility costs. But not everyone qualifies automatically, and many residents are still unclear about how the STAR system works, especially with both Basic and Enhanced versions of the credit.
So, are you eligible to receive a STAR check in 2025? Let’s break it down in simple terms.
What Is the STAR Program?
The STAR program was created to help New Yorkers reduce their school property tax burden. Instead of reducing your tax bill directly (like a deduction), the state now sends you a check or direct deposit refund based on your eligibility. There are two tiers:
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Basic STAR: For homeowners of all ages with incomes under $500,000.
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Enhanced STAR: For seniors 65 or older with incomes below $98,700 (2023 threshold for 2025 benefits).
These payments typically range from $290 to $650, depending on your local school district’s tax rates.
Who Is Eligible in 2025?
To qualify for any STAR credit in 2025, you must:
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Own your primary residence in New York
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Live in that property full-time
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Meet the income thresholds based on your 2023 tax return
Breakdown by Program:
Basic STAR
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No age requirement
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2023 income must be $500,000 or less
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Applies to most homeowners across the state
Enhanced STAR
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Must be 65+ by December 31, 2025
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2023 income must be $98,700 or less
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Typically offers a larger refund (around $650)
When Will Checks Arrive?
Payments started going out in late June 2025, and distribution will continue through September, depending on your local school tax billing cycle. Some counties will see STAR credits applied earlier, while others might not receive them until late summer.
If you signed up for direct deposit via the Homeowner Benefit Portal, you’ll likely receive your money sooner. Paper checks will take a bit longer to arrive.
How to Apply or Check Status
Most people who received STAR in previous years are automatically re-enrolled, especially if they remain income-eligible. However, if you’re:
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New to the program
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Recently turned 65
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Or your income dropped significantly
Then you may need to apply or update your info through the New York State Department of Taxation and Finance.
Important Notes
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STAR is separate from city-level exemptions or relief programs.
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If you own more than one property, only your primary residence qualifies.
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If you missed the March 15 application deadline, your benefits may be delayed until the next tax cycle—but you can apply starting again on September 15.
