New Jersey Property Tax Relief for Seniors 2026

Every statewide property tax break New Jersey offers older homeowners that we could confirm on an official page: the type of relief, the age and income limits, the amount, how to apply and the deadline.

New Jersey has no traditional senior homestead exemption. Seniors get relief mainly through three state programs claimed on one combined application, Form PAS-1: Senior Freeze, ANCHOR and Stay NJ. Senior Freeze reimburses property tax increases over a base year (income limit $172,475 for 2025). ANCHOR pays homeowners up to $1,500. Stay NJ pays homeowners 65+ with income up to $200,000 a maximum of $6,500 for 2027. Seniors with income of $10,000 or less can also get a $250 local deduction. The Division of Taxation lists no statewide senior property tax deferral program. (sources)

Official sources Checked against official sources on November 4, 2026. This page lists only programs confirmed on an official state page; counties and cities may offer more.

The programs
Amounts, how to apply and deadlines
Income tax in retirement
Common questions

New Jersey property tax relief programs for seniors

New Jersey property tax relief for seniors: the programs (checked November 4, 2026)
Program	Type	Age	Income limit	Deadline	Source
Senior Freeze (Property Tax Reimbursement)	Assessment freeze	65 or older on December 31, 2025, or receiving federal Social Security or Railroad Retirement disability benefits (applicant or spouse/civil union partner)	Total annual income (combined for a married or civil union couple living together) of $168,268 or less for 2024 and $172,475 or less for 2025. Includes Social Security and most retirement income.	The 2025 application deadline was November 2, 2026. Payments begin July 15, 2026 on a schedule set by the filing date.	NJ Division of Taxation
Stay NJ Property Tax Credit Program	Tax credit	65 or older during 2025 (applicant or spouse)	$200,000 total annual income, calculated as for Senior Freeze and combined for a married or civil union couple living together	The 2025 PAS-1 deadline was November 2, 2026	NJ Division of Taxation
ANCHOR (Affordable New Jersey Communities for Homeowners and Renters)	Rebate or refund	All ages. Seniors 65+ and SSDI recipients must file PAS-1 themselves, because they are not filed automatically.	Homeowners: 2025 NJ gross income (NJ-1040 line 29) of $250,000 or less. Renters: $150,000 or less.	The 2025 application deadline was November 2, 2026. Payments start September 15 on a rolling basis.	NJ Division of Taxation
$250 Senior Citizens and Disabled Persons Property Tax Deduction	Homestead exemption	65 or older, or permanently and totally disabled, as of December 31 of the pretax year. A surviving spouse/civil union partner qualifies at 55 or older (both at the spouse's death and on December 31 of the pretax year), on the same home that had the deduction.	$10,000 annual income for tax year 2026, with exclusions defined in the Division's 2026 Income Guidelines (N.J.S.A. 54:4-8.40 et seq.)	Form PD5 annual income confirmation is due to the tax collector by March 1 (by March 1, 2027 for 2026 income)	NJ Division of Taxation

Amounts, how to apply and deadlines

Senior Freeze (Property Tax Reimbursement)

Type: Assessment freeze
Age: 65 or older on December 31, 2025, or receiving federal Social Security or Railroad Retirement disability benefits (applicant or spouse/civil union partner)
Income limit: Total annual income (combined for a married or civil union couple living together) of $168,268 or less for 2024 and $172,475 or less for 2025. Includes Social Security and most retirement income.
Amount: Reimbursement of the increase: current-year property taxes billed minus base-year property taxes billed. Mobile home owners get 18% of the site-fee increase. All relief combined cannot exceed the property taxes paid.
How to apply: Combined Application for Property Tax Relief, Form PAS-1, filed online or on paper with the NJ Division of Taxation. Must have owned and lived in the home since December 31, 2022 or earlier.
Deadline: The 2025 application deadline was November 2, 2026. Payments begin July 15, 2026 on a schedule set by the filing date.
Source: NJ Division of Taxation - Senior Freeze Eligibility Requirements

Stay NJ Property Tax Credit Program

Type: Tax credit
Age: 65 or older during 2025 (applicant or spouse)
Income limit: $200,000 total annual income, calculated as for Senior Freeze and combined for a married or civil union couple living together
Amount: 2027 maximum benefit, annualized (2025 tax year): $6,500 for income $0-$100,000; $5,000 for $100,000.01-$150,000; $4,000 for $150,000.01-$200,000; $0 above $200,000. Paid quarterly (February and May 2027). Calendar-2026 benefits were reduced under the FY2027 budget.
How to apply: Form PAS-1 (combined application). Must have owned and lived in a home subject to property taxes or PILOT for all 12 months of 2025. Renters and mobile home owners are not eligible.
Deadline: The 2025 PAS-1 deadline was November 2, 2026
Source: NJ Division of Taxation - Stay NJ: Property Tax Relief for Senior Citizens

ANCHOR (Affordable New Jersey Communities for Homeowners and Renters)

Type: Rebate or refund
Age: All ages. Seniors 65+ and SSDI recipients must file PAS-1 themselves, because they are not filed automatically.
Income limit: Homeowners: 2025 NJ gross income (NJ-1040 line 29) of $250,000 or less. Renters: $150,000 or less.
Amount: Homeowners (2025): $1,500 if income is $150,000 or less; $1,000 if $150,001-$250,000. Renters (2025): $700 if 65 or older, $450 if 64 or younger. Seniors 65+ who did not claim the $50 Property Tax Credit get it added to the payment.
How to apply: Form PAS-1 combined application (online via ID.me or on paper) to the NJ Division of Taxation
Deadline: The 2025 application deadline was November 2, 2026. Payments start September 15 on a rolling basis.
Source: NJ Division of Taxation - How ANCHOR Benefits Are Calculated

$250 Senior Citizens and Disabled Persons Property Tax Deduction

Type: Homestead exemption
Age: 65 or older, or permanently and totally disabled, as of December 31 of the pretax year. A surviving spouse/civil union partner qualifies at 55 or older (both at the spouse's death and on December 31 of the pretax year), on the same home that had the deduction.
Income limit: $10,000 annual income for tax year 2026, with exclusions defined in the Division's 2026 Income Guidelines (N.J.S.A. 54:4-8.40 et seq.)
Amount: $250 per year deducted from the property tax bill
How to apply: File Form PTD with proofs with the local assessor (October 1 - December 31 of the pretax year) or the tax collector (any time during the tax year). Must have been a NJ resident for at least 1 year before October 1 and own and occupy the home on October 1 of the pretax year. Form PD5 must be filed every year to keep the deduction.
Deadline: Form PD5 annual income confirmation is due to the tax collector by March 1 (by March 1, 2027 for 2026 income)
Source: NJ Division of Taxation - $250 Senior Citizens and Disabled Persons Property Tax Deduction (with Revised 2026 Income Guidelines: https://www.nj.gov/treasury/taxation/pdf/lpt/incomeguidelines.pdf)

Paid tool Property tax is one of the few retirement bills that never stops. Personal PRO runs your spending, withdrawals, Social Security and federal and New Jersey income tax year by year on 10,000 market paths, and shows the odds the money lasts, with a PDF you keep. A planning tool, not advice. Run my own retirement numbers — Personal PRO ($49) → See what is included, and every price →

New Jersey income tax in retirement

Property tax relief is one half of a state’s cost to retirees; the other is income tax on pensions, IRA withdrawals and Social Security. See New Jersey state income tax for retirees, which states tax retirement income and which states tax Social Security.

Common questions

What property tax relief can seniors get in New Jersey?

Senior Freeze (Property Tax Reimbursement): assessment freeze; Stay NJ Property Tax Credit Program: tax credit; ANCHOR (Affordable New Jersey Communities for Homeowners and Renters): rebate or refund; $250 Senior Citizens and Disabled Persons Property Tax Deduction: homestead exemption (nj.gov, nj.gov, nj.gov, nj.gov).

At what age do New Jersey seniors qualify for property tax relief?

Senior Freeze (Property Tax Reimbursement): 65 or older on December 31, 2025, or receiving federal Social Security or Railroad Retirement disability benefits (applicant or spouse/civil union partner); Stay NJ Property Tax Credit Program: 65 or older during 2025 (applicant or spouse); ANCHOR (Affordable New Jersey Communities for Homeowners and Renters): All ages. Seniors 65+ and SSDI recipients must file PAS-1 themselves, because they are not filed automatically.; $250 Senior Citizens and Disabled Persons Property Tax Deduction: 65 or older, or permanently and totally disabled, as of December 31 of the pretax year. A surviving spouse/civil union partner qualifies at 55 or older (both at the spouse's death and on December 31 of the pretax year), on the same home that had the deduction..

Is there an income limit for New Jersey senior property tax relief?

Senior Freeze (Property Tax Reimbursement): Total annual income (combined for a married or civil union couple living together) of $168,268 or less for 2024 and $172,475 or less for 2025. Includes Social Security and most retirement income.; Stay NJ Property Tax Credit Program: $200,000 total annual income, calculated as for Senior Freeze and combined for a married or civil union couple living together; ANCHOR (Affordable New Jersey Communities for Homeowners and Renters): Homeowners: 2025 NJ gross income (NJ-1040 line 29) of $250,000 or less. Renters: $150,000 or less.; $250 Senior Citizens and Disabled Persons Property Tax Deduction: $10,000 annual income for tax year 2026, with exclusions defined in the Division's 2026 Income Guidelines (N.J.S.A. 54:4-8.40 et seq.).

What is the deadline to apply in New Jersey?

Senior Freeze (Property Tax Reimbursement): The 2025 application deadline was November 2, 2026. Payments begin July 15, 2026 on a schedule set by the filing date.; Stay NJ Property Tax Credit Program: The 2025 PAS-1 deadline was November 2, 2026; ANCHOR (Affordable New Jersey Communities for Homeowners and Renters): The 2025 application deadline was November 2, 2026. Payments start September 15 on a rolling basis.; $250 Senior Citizens and Disabled Persons Property Tax Deduction: Form PD5 annual income confirmation is due to the tax collector by March 1 (by March 1, 2027 for 2026 income).

Sources

Every row above is copied from the official page linked beside it. Benefits change with new laws and local decisions, so confirm the amount and the deadline with the office that runs the program before you apply. QuantCalc is calculation software, not legal, tax or benefits advice. Last updated November 4, 2026.

New Jersey veteran benefits → New Jersey state income tax for retirees → Senior property tax relief in every state → Which states tax retirement income → Which states tax Social Security → Best states to retire for taxes → Moving to another state: tax calculator →