NJ Programs · Independent · Fact-checked · 2026 season
Helping New Jersey residents find and claim property tax relief
NJ Programs is one site for every New Jersey property tax relief program — ANCHOR, Senior Freeze, Stay NJ, and the PAS-1 application. Who qualifies, how much you get, every deadline, and how to track your payment. No jargon, no fees, and direct links to official state channels.
Not the State of New Jersey. We’re an independent publication. Applying is always free at nj.gov, and no legitimate program contact will ever text you a link asking for bank details.
The four things every NJ resident should know about
Three benefit programs plus the application that ties them together. Most residents qualify for at least one — many seniors qualify for all three.
ANCHOR
Full guide$450 – $1,750
Most homeowners & renters
The broadest program: a yearly benefit for homeowners with income up to $250,000 and renters up to $150,000, with a $250 boost at 65+.
Read the full guideSenior Freeze
Full guideYour tax increase, refunded
65+ or on SS disability
Locks your net property taxes at your base-year amount and refunds every increase above it. 2025 income limit: $172,475 — and the old 10-year residency rule is gone.
Read the full guideStay NJ
Full guideUp to $6,500
Homeowners 65+
The newest program: tops up seniors' total relief to 50% of the property tax bill, with a $500,000 income ceiling — paid in quarterly installments.
Read the full guidePAS-1 Application
Full guideOne form, 3 programs
Seniors & disabled filers
The combined application seniors and disabled residents file for ANCHOR, Senior Freeze, and Stay NJ together. Due November 2, 2026.
Read the full guideNot sure how they differ? Compare all three programs side by side.
ANCHOR, answered
The 2026 filing season is underway. Jump straight to the answer you need.
Free tools — instant answers, nothing stored
Built from the official 2025 figures. Everything runs in your browser: no sign-up, no personal data, ever.
Eligibility Checker
Seven questions, all three programs' 2025 rules — see what you likely qualify for.
Open the toolRelief Calculator
Estimate your combined ANCHOR + Senior Freeze + Stay NJ benefit in seconds.
Open the toolPAS-1 Checklist
A personalized, printable list of every document you need before filing.
Open the toolKey dates ahead
August 2026
ANCHOR auto-file confirmation letters (ANC-1) mail to most under-65 homeowners and renters.
August 15, 2026
Stay NJ third quarterly installment issued to approved senior homeowners (2024 benefit year).
Mid-September 2026
ANCHOR payments begin rolling out; most arrive within 90 days of filing.
November 1, 2026
Senior Freeze payments issued for summer filers (June 2 – September 1 filings).
November 2, 2026
PAS-1 filing deadline for the 2025 benefit year — the one date that gates all three programs for seniors.
November 15, 2026
Stay NJ fourth quarterly installment issued to approved senior homeowners (2024 benefit year).
December 1, 2026
Final Senior Freeze wave for the season, covering filings received by the deadline.
February 2027
Stay NJ quarterly installments for the 2025 benefit year are expected to begin (subject to appropriations).
Dates come from NJ Division of Taxation announcements and can change — follow updates for confirmations.
Common questions
What property tax relief programs does New Jersey offer?
New Jersey runs three major programs at once: ANCHOR (for most homeowners and renters), the Senior Freeze (reimburses seniors for tax increases), and Stay NJ(cuts senior homeowners’ bills up to 50%). Seniors and disabled residents apply to all three with one PAS-1 application.
Can I get more than one NJ property tax relief benefit?
Yes. The programs stack. An eligible senior homeowner can receive ANCHOR, the Senior Freeze, and Stay NJ in the same year — the state coordinates the amounts so combined relief can reach 50% of the property tax bill (capped). See our program comparison for how they fit together.
Do renters qualify for New Jersey property tax relief?
Renters qualify for ANCHOR: $450 for 2025 income up to $150,000, or $700 if 65 or older. Senior Freeze and Stay NJ are homeowner-only. Details in the renters guide.
What's the deadline to apply in 2026?
November 2, 2026 — the PAS-1 deadline for the 2025 benefit year, covering ANCHOR, the Senior Freeze, and Stay NJ in one filing. Most under-65 residents are auto-filed for ANCHOR instead. See the deadline guide.
Is this the official State of New Jersey website?
No. NJ Programs is an independent guide with no affiliation with the State of New Jersey. Applications and payments happen only through the NJ Division of Taxation. We link to official channels from every guide — and we will never ask for your Social Security number or bank details.
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Fact-checked against official sources
Every amount, deadline, and phone number is verified against NJ Division of Taxation publications. See our sources and editorial policy.
Dated and maintained
Guides show their last-reviewed date and are updated when the state announces changes. Corrections are logged, not hidden.
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