---
title: "NJ Property Tax Relief for Seniors: 4 Programs Compared"
description: "Stay NJ, Senior Freeze, ANCHOR and the $250 deduction for NJ homeowners 65 and older: who qualifies, the income limits and how to apply, in plain English."
url: "https://mcc-solutionsnj.com/tools/new-jersey-senior-property-tax-relief"
---

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](https://www.nj.gov/treasury/unclaimed-property/treasury/taxation/staynj/index.shtml)) |
| 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](https://www.nj.gov/treasury/taxation/ptr/eligibility.shtml)) |
| 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](https://nj.gov/treasury//taxation/anchor/calculated.shtml)) |
| $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](https://www.nj.gov/treasury/taxation/pdf/lpt/ptbenefitsbrochure.pdf)) |

## One form for three programs

Stay NJ, Senior Freeze and ANCHOR now use one application, the PAS-1. ([NJ Treasury](https://www.nj.gov/treasury/news/2026/02042026.shtml)) 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](https://www.medicare.gov/basics/get-started-with-medicare/sign-up/when-does-medicare-coverage-start))

- **Every year:** Open Enrollment runs October 15 to December 7. ([Medicare](https://www.medicare.gov/publications/12192-remember-key-medicare-dates.pdf))

Free, unbiased Medicare counseling: New Jersey SHIP at 1-800-792-8820. ([NJ SHIP](https://www.nj.gov/humanservices/doas/services/q-z/ship/index.shtml))

## 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](/notary/guides/notary-for-homebound-seniors-and-caregivers) · [For adult children helping a parent](/notary/caring-for-aging-parents)

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)](/toolkits/family-emergency-binder) [Free sample](/toolkits/family-emergency-binder#free-starter)14-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.

[![Cover of Caring for an Aging Parent in New Jersey (ebook) by Matthew Colt](/img/toolkits/nj-aging-parent-care-ebook/cover.webp)](/toolkits/nj-aging-parent-care-ebook)

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).

[See the book](/toolkits/nj-aging-parent-care-ebook) [Read the first pages free](/toolkits/nj-aging-parent-care-ebook#free-starter)

## Need a notary? Send it to the desk.

[Book Now](/notary/#order)[Call (908) 444-6373](tel:+19084446373)