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Stay NJ Calculator: Estimate Your Benefit

Stay NJ pays 50% of your property tax bill up to a $6,500 cap — after ANCHOR and the Senior Freeze are counted. For the 2025 benefit year the maximum is tiered by income ($6,500 / $5,000 / $4,000) and the income limit is $200,000 — the calculator shows what it can and is explicit about what the State has not yet published.

Estimate your 2024 Stay NJ benefit

This is the money moving right now — the 2024 benefit year pays in four installments, and the August and November 2026 ones are still ahead. The calculation below is the one the New Jersey Division of Taxation has published, so it produces a real number. Enter what ANCHOR and the Senior Freeze actually paid you and it will do the rest.

Runs entirely in your browser — nothing you enter is sent or stored anywhere.

Combined estimate for the 2025 benefit year

The 2025 application you file this season. ANCHOR and Senior Freeze figures are current; the Stay NJ line explains why no dollar amount is shown yet.

Runs entirely in your browser — nothing you enter is sent or stored anywhere.

Reading your result

  • The formula: 50% × (your bill, counting at most $13,000) − ANCHOR − Senior Freeze, floored at $0. That is the published 2024 calculation.
  • No 2025 dollar figure. The FY2027 Appropriations Act added income tiers to the 2025 maximum, and the NJ Division of Taxation has not published how that ceiling combines with the formula above. We show the tier that applies to you rather than guessing an amount — see Stay NJ income limits.
  • Eligibility checks applied: 65+ by December 31, 2025, owned and occupied all year, and 2025 income of $200,000 or less (it was $500,000 for 2024) — see Stay NJ eligibility.
  • A $0 result with other benefits present is by design — your stacked relief already reached the target; here’s why.

Frequently asked questions

Why is my Stay NJ estimate lower than 50% of my tax bill?

Two reasons under the published 2024 calculation: only the first $13,000 of taxes counts (capping the benefit at $6,500), and your ANCHOR and Senior Freeze amounts are subtracted first — Stay NJ pays the gap to the 50% target, not the whole target. For 2025 an income-based ceiling also applies. The full walkthrough is in how Stay NJ works.

Why doesn't the calculator show a Stay NJ amount for 2025?

Because the New Jersey Division of Taxation has not published the calculation yet. The 2025 income tiers are confirmed — $6,500 up to $100,000, $5,000 to $150,000, $4,000 to $200,000, nothing above — but not how that ceiling interacts with the 50%-of-property-taxes formula. Showing a number would mean guessing, so we don’t. Stay NJ pays in installments; 2025-year payments are expected February and May 2027, subject to appropriations — see the payment schedule.

I'm under 65 on disability — why is my Stay NJ $0?

Stay NJ is age-based only: 65+ by December 31 of the benefit year, with no disability pathway. Your disability status does qualify you for the Senior Freeze and ANCHOR, which the calculator includes.

Keep reading

How Stay NJ Works (With Examples)Stay NJ tops up ANCHOR and Senior Freeze so seniors' total relief reaches 50% of their property tax bill, capped at $6,500. The mechanics, explained.Stay NJ Eligibility RequirementsStay NJ eligibility: age 65+, own and occupy your NJ home all year, and 2025 income of $200,000 or less ($500,000 for 2024). Why disability alone does not qualify.NJ Property Tax Relief CalculatorEstimate your combined ANCHOR + Senior Freeze + Stay NJ relief for 2026 from your property tax bill, age, and income. Instant results, nothing stored, no signup.Stay NJ: The New Senior Property Tax Benefit (2026 Guide)Stay NJ cuts property taxes up to 50% (max $6,500) for NJ homeowners 65+. The 2025 income limit is $200,000, down from $500,000. Who qualifies and when payments arrive.