08/31/2026
Massachusetts law provides an automatic homestead exemption for a homeowner’s principal residence—but recording a Declaration of Homestead may provide a higher level of protection for the home’s equity.
A properly recorded Declaration of Homestead can protect up to $1 million in equity, compared with the automatic protection of up to $125,000 available without filing.
Not sure whether you already have one on record? You can search your property records through our website and look for a document titled Declaration of Homestead. Because your home may be your biggest asset, it is worth knowing what protections are already in place.
Certain debts and situations are excluded, so a homestead is not complete protection against every claim. Registry staff can help with recording and search information, but cannot provide legal advice. For questions about how homestead protection applies to your circumstances, consult a qualified attorney.