It’s Q1 2026, and the “Bear” is hungry. While the 2.8% COLA increase was a welcome win, rising property assessments are threatening to eat those gains before they even hit your bank account. In some counties, home values have spiked so aggressively that your tax bill might jump by $2,000 or more this year.
That’s where the “Woobie” steps in. We don’t just help you get your rating; we help you use it as a shield. For veterans with a 100% Permanent & Total (P&T) rating, that shield is often made of iron: total property tax exemption. This isn’t just a discount—it’s full financial freedom from the tax assessor.
The Multi-State Shield: Where Your 100% Rating is Power
The “One Big Beautiful Bill” tax provisions are active, creating a favorable landscape for veterans, but the real magic happens at the state level. Here is how the strongest states are protecting their heroes in 2026.
Texas: The Holy Grail of Exemptions
Everything is bigger in Texas, including the tax breaks. If you are 100% disabled (or paid at the 100% rate due to Individual Unemployability), you receive a total exemption on your residence homestead. That means if your home is assessed at $450,000, your property tax bill is $0.00.
Arizona: The 2026 Game Changer
Arizona used to make you jump through hoops with strict income limits. Not anymore. As of 2026, the legislative updates have removed those income barriers for 100% service-connected veterans. This is a massive victory, ensuring that your disability compensation doesn’t disqualify you from the tax relief you earned.
Florida: Sunshine and Zero Taxes
Florida continues to be a fortress for veterans. If you are 100% P&T, you are fully exempt from all ad valorem taxes on your homestead. With the housing loan limit now sitting at $832,750, you can secure a substantial home in the Sunshine State and pay absolutely nothing in property taxes.
Virginia: Dominion Over Debt
Virginia offers a full exemption on the primary residence (and up to one acre of land) for 100% P&T veterans. This benefit also extends to surviving spouses, ensuring that the “Woobie” protection lasts even after you’re gone.
The Math: Why This is Better Than a Pay Raise
Let’s look at the numbers. If you live in a state with a 2% property tax rate and own a $400,000 home, you are paying $8,000 annually in taxes. Securing your 100% rating puts that money directly back into your pocket. That’s an instant, tax-free “raise” of $666 per month.
But getting there requires navigating the VA maze. That is why veterans trust us. We boast a 90% first-time approval rate and 40% faster claim processing time. We fight the bureaucracy so you can fight for your financial future.
Partnership Spotlight: Managing Your Wins with Percapita
So, you’ve saved $8,000 a year in taxes. Now what? You need a tool that respects your money. We partner with Percapita because they share our ethical DNA. They offer tools to help you manage that extra cash flow without the predatory fees of big banks.
Percapita is not a bank. Banking services provided by Sutton Bank, Member FDIC.
Warning: The Claim Sharks are Circling
With high inflation, predatory “Claim Sharks” are out in force. These unaccredited agencies promise the moon but demand illegal fees or a percentage of your future benefits. Never sign a contract that gives away your future. The Woobie is here to protect you—ethically, legally, and faithfully.
Frequently Asked Questions
Do I need to be 100% P&T for these exemptions?
In most cases, yes. States like Texas, Florida, and Virginia require a 100% Permanent & Total rating for the full exemption. However, many states offer partial exemptions for ratings as low as 10%.
Does the 2026 Arizona law apply to me?
If you are a 100% service-connected veteran living in Arizona, yes! The new provisions have removed the previous income thresholds, making it easier than ever to qualify.
How much does Woobie charge?
We pride ourselves on transparency. Unlike claim sharks, we do not take a percentage of your future check. Our goal is to maintain our 95% average client rating by putting you first.