PAS-1 Filing Deadline: November 2, 2026
The PAS-1 deadline for the 2025 benefit year is November 2, 2026. What happens if you miss it, the state's late-filing history, and how to file fast.
Quick answer
When is the PAS-1 deadline?
November 2, 2026for the 2025 benefit year. (The standard October 31 date falls on a Saturday, so it moves to the next business day.) One deadline covers all three programs — ANCHOR, Senior Freeze, and Stay NJ — so missing it means missing the year’s entire relief package, and for the Senior Freeze it can also reset your base year.
Key takeaways
- Deadline: Monday, November 2, 2026 — online submission or paper postmark.
- One date gates three benefits; a missed PAS-1 can cost a senior household $3,000–$8,000+ in a single year.
- The state has a history of extending ANCHOR-family deadlines — but extensions are announced late and are never guaranteed. Don’t plan around one.
- Filing early doesn’t just avoid risk — it moves you into earlier payment waves.
- Missed it anyway? File immediately and call — late filings are sometimes accepted; doing nothing guarantees $0.
On this page
Every date this season, in order
The filing deadline is one of several dates that matter, and they belong to different programs on different schedules. Here is the whole season in one place, with the days remaining to the next deadline.
PaymentRolling
Senior Freeze payments began
Applications filed before May 1 are paid between July 15 and September 15, 2026. Later filings are paid in the windows below, by filing date.
Payment
Stay NJ installment (2024 benefit year)
The third of four installments for the 2024 benefit year.
Subject to State Budget appropriations.
PaymentRolling
Senior Freeze payments for May 1 – June 1 filings
Applications filed between May 1 and June 1 are paid between September 1 and October 1, 2026.
Deadline
Last day to change ANCHOR banking details
The deadline to change your banking information, request a paper check, or decline a filing made on your behalf.
PaymentRolling
ANCHOR payments began
Payments for the 2025 application started going out October 1, 2026 and continue on a rolling basis; in some cases they will be paid after 2026.
Deadline
PAS-1 filing deadline
The deadline for the 2025 application, which covers ANCHOR, the Senior Freeze, and Stay NJ in one filing.
PaymentRolling
Senior Freeze payments for June 2 – September 1 filings
Applications filed between June 2 and September 1 are paid between November 2, 2026 and January 2, 2027.
Payment
Stay NJ installment (2024 benefit year)
The fourth and final installment for the 2024 benefit year.
Subject to State Budget appropriations.
PaymentRolling
Senior Freeze payments for September 2 – October 31 filings
Applications filed between September 2 and October 31 are paid between December 2, 2026 and February 2, 2027.
Payment
Determination letters
Benefit-amount letters go to PAS-1 filers in late 2026, stating the exact amount for each program.
Payment
Stay NJ installment (2025 benefit year)
The first of four quarterly installments for the 2025 benefit year starts going out.
Subject to State Budget appropriations.
Payment
Stay NJ installment (2025 benefit year)
The second installment for the 2025 benefit year starts going out.
Subject to State Budget appropriations.
Payment
Stay NJ installment (2025 benefit year)
The third installment for the 2025 benefit year starts going out.
Subject to State Budget appropriations.
Payment
Stay NJ installment (2025 benefit year)
The fourth and final installment for the 2025 benefit year starts going out.
Subject to State Budget appropriations.
Dates come from New Jersey Division of Taxation announcements and can change. Stay NJ payments depend on each year’s State Budget. Follow our updates for confirmations.
The date, and what it applies to
| Filing | Who | Deadline |
|---|---|---|
| PAS-1 (ANCHOR + Senior Freeze + Stay NJ) | 65+ or on Social Security disability | November 2, 2026 |
| ANCHOR (standalone) | Under-65 filers not covered by auto-file | November 2, 2026 (same date) |
| ANC-1 auto-file confirmations | Most under-65 homeowners/renters | No action needed unless details changed — see the August 2026 letter |
For online filings, “met the deadline” means submitted by end of day; for paper, the postmark controls. Filing near midnight or the last mail pickup is a bad plan — see how to file fast below.
What missing the deadline actually costs
A concrete example — a 72-year-old homeowner, $9,000 tax bill, $120,000 income, base year 2019 at $7,200:
- ANCHOR (65+, ≤$150k): $1,750 — gone.
- Senior Freeze ($9,000 − $7,200): $1,800 — gone.
- Stay NJ top-up to $4,500: $950 — gone.
- Plus the compounding hit: the broken Senior Freeze chain can reset the 2019 base year, permanently shrinking every future reimbursement — often the biggest loss of all.
The honest truth about extensions
New Jersey has repeatedly extended ANCHOR-family deadlines in past seasons — sometimes by weeks, announced close to (or after) the original date. Three things are also true:
- Extensions are discretionary and unevenly publicized;
- Payment waves keep moving — late filers get paid last regardless;
- The Senior Freeze’s base-year mechanics make “I’ll catch next year” genuinely expensive.
Treat November 2, 2026 as hard. If the state extends it, we’ll post the confirmed new date in updates within a day.
Filing fast (if the deadline is close)
- Choose online — propertytaxrelief.nj.gov confirms receipt instantly; no postmark anxiety.
- Do ID.me tonight, file tomorrow — identity setup is the slow part; it can be done ahead separately.
- Pull documents from the checklist tool — 10 minutes of gathering beats form-side scrambling.
- Going paper anyway? Certified mail, correct PO box (635 homeowners / 636 renters), both signatures on joint filings.
If you already missed it
- File anyway, immediately — online if possible. Late filings are sometimes processed, and an unfiled application never is.
- Call and ask: 1-888-238-1233 (property tax relief) or 1-800-882-6597 (Senior Freeze) — explain the circumstances; documented hardship (hospitalization, disaster) is worth stating.
- Watch updates for any announced extension covering you retroactively.
- Calendar next season now — PAS-1 filing typically opens in the spring; file in the first month and this never happens again.
Frequently asked questions
Why is the 2026 deadline November 2 instead of October 31?
The customary October 31 deadline lands on a Saturday in 2026, so it rolls to the next business day — Monday, November 2, 2026.
Is the deadline the same for online and paper PAS-1 filings?
Yes — November 2, 2026 for both. Online must be submitted that day; paper must be postmarked by it. Online is the safer play near the wire because receipt is confirmed instantly.
If I file on deadline day, when do I get paid?
You’re at the back of every queue. The state’s last published Senior Freeze window covers filings from September 2 to October 31 and pays between December 2, 2026 and February 2, 2027 — expect a deadline-day filing at the end of that range. ANCHOR follows within about 90 days of filing (roughly January–February 2027), and Stay NJ installments start in February 2027. Deadline-day filing costs you months of waiting versus a spring filing.
Does the ANC-1 auto-file letter have a deadline too?
The August 2026 confirmation letters give a window (stated in the letter) to correct banking or address details or opt for a check — act within it if anything changed. If your details are current, no action is needed.
Sources
This guide was fact-checked against the following official sources:
- Property Tax Relief Status — payment schedule — NJ Division of Taxation
- Property Tax Relief Programs — NJ Division of Taxation
- 2025 Form PAS-1 Instructions — NJ Division of Taxation
- ANCHOR Program — NJ Division of Taxation
Reviewed by NJ Programs Editorial Team on · See our editorial policy for how guides are fact-checked and corrected.
What changed on this page
- — Updated when deadline-season filers are paid, using the Division of Taxation's payment schedule: the last Senior Freeze window (September 2 to October 31 filings) pays December 2, 2026 to February 2, 2027, and Stay NJ 2025-year installments start February 2027.
- — Added a full season timeline covering every filing deadline and payment date for all three programs, with days remaining to the next deadline.
- — Initial publication: November 2, 2026 deadline for the 2025 benefit year, verified against NJ Division of Taxation guidance.
Was this guide helpful?
Haris Shafique · Founder & Editor
Haris Shafique founded NJ Programs to make New Jersey's property tax relief programs easier to understand. He researches ANCHOR, the Senior Freeze, Stay NJ, and the PAS-1 application directly from NJ Division of Taxation publications and state budget documents, and updates every guide when the rules change.