What is a Declaration of Homestead?

If you live in Massachusetts and your house is your primary residence, filing a Declaration of Homestead for your property exempts a certain amount of the equity in your home from attachment, seizure, judgment, and forced sale for unsecure debts. 

All homeowners and their spouses are automatically entitled to up to $125,000.00 of equity protection without filing a Declaration of Homestead; no extra action is needed on your part to receive this protection after you purchase your property. However, if you choose to file a Declaration of Homestead, you can increase your total equity protection to $500,000.00.


The standard Declaration of Homestead form, as well as further information, is available on the Secretary of State's website at this link. Our office would also be happy to discuss any questions you may have regarding the Declaration of Homestead, including our Declaration of Homestead drafting and filing services—please feel free to give us a call at (978) 266-9666. We look forward to hearing from you!