In 2012, Philadelphia had the third-highest rate of owner occupied properties that are owned free and clear. However many of these properties are delinquent with their real estate taxes. Low-income, owner occupied households are able to enroll in a repayment plan to pay for their back taxes. Monthly payment amounts are based on income of all household members, minimum monthly payment is $25 per month.

If the legal owner of the property is deceased and there is no will the property will need to go through the estate process so that the ownership of the property can be transferred to the surviving heir. Heirs are able to enter into a repayment agreement with the City of Philadelphia, however they are required to transfer ownership of the property within three years of the date of the agreement.

To enroll in a repayment agreement with the back taxes the client will need to bring the following documents for the AHCOPA counselor to review:

  • Property Deed
  • Proof of occupancy (Gas, Electric or Cell Phone bill)
  • Proof of income for all household members
  • Notice of delinquency of the real estate taxes
  • Photo ID
  • If legal owner is deceased and you are the heir, we would need to legal owner’s death certificate followed by your birth or marriage certificate showing your relationship to the owner.

Affordable Housing Center of Pennsylvania