For seniors
Property tax relief for New Jersey seniors
New Jersey has four separate programs, and most seniors who own a home qualify for at least one. Three of them now use one form. Here's who gets what, with the current limits.
| Program | Who | What |
|---|---|---|
| Stay NJ | Homeowners 65+ who owned and lived in the home all of 2025, income $200,000 or less | Up to $6,500 a year with income up to $100,000; $5,000 up to $150,000; $4,000 up to $200,000 (NJ Treasury) |
| Senior Freeze | 65+ or on Social Security disability, in the home since 2022 or earlier, 2025 income $172,475 or less | Reimburses increases in your property tax (NJ Treasury) |
| ANCHOR | Homeowners with income up to $250,000; renters up to $150,000 | Homeowners $1,500 or $1,000; renters 65+ get $700, which includes an extra $250 (NJ Treasury) |
| $250 deduction | 65+, or disabled, or a surviving spouse 55+, with very low income | $250 off the tax bill; apply with your town's assessor (NJ brochure) |
One form for three programs
Stay NJ, Senior Freeze and ANCHOR now use one application, the PAS-1. (NJ Treasury) This year's deadline was November 2, 2026. The State hasn't announced next year's dates; last season's form opened in early February, so watch for it then. Senior homeowners have to file it themselves.
Medicare dates worth a calendar reminder
- Turning 65: a 7-month window, starting 3 months before your birthday month. (Medicare)
- Every year: Open Enrollment runs October 15 to December 7. (Medicare)
Free, unbiased Medicare counseling: New Jersey SHIP at 1-800-792-8820. (NJ SHIP)
Paperwork help at home
We bring a notary to your home for a power of attorney, affidavits or forms that need one, and we can help a family member keep the bills and records straight. Notary for homebound seniors · For adult children helping a parent
Printable kit
Family Emergency Binder
A printable binder for your contacts, medical details, documents and bills, so a family member can step in if needed.
See what's inside ($19) Free sample14-day full refund
General information, checked November 2026. Not legal advice. MCC Solutions is not a law firm.
Questions
What is Stay NJ?
A New Jersey program for homeowners 65 and older that pays up to $6,500 a year toward property taxes, depending on income. The current income limit is $200,000.
Can I get Stay NJ and Senior Freeze?
They're applied for together on the PAS-1. The State works out what you qualify for under each.
Do renters get anything?
Renters 65 and older with income up to $150,000 can get $700 through ANCHOR. Stay NJ is for homeowners only.
When is the next application?
This year's deadline was November 2, 2026. The State hasn't announced next year's dates yet; last year's form opened in early February.
From the bookshelf
Caring for an Aging Parent in New Jersey
The paperwork of a parent getting older, in the right order. By Matthew Colt, $9.99 as an ebook (EPUB and PDF).