AWCA Resource Center
AWCA Resource Center

Housing

New Jersey Property Tax Relief Programs

The State of New Jersey has integrated its property tax relief application processes to reduce the tax burden on homeowners and renters. In particular, the PAS-1 Integrated Application, introduced for seniors aged 65 or older and disability benefit recipients, is the most efficient way to be evaluated for three major benefits through a single application.

Integrated Application (PAS-1) Programs

Program NamePrimary EligibilityBenefit
Senior FreezeIndividuals aged 65 or older, or recipients of Social Security Disability or Railroad Retirement Disability benefits.Property Tax Increase Reimbursement (Reimbursement only for the increase compared to the base year)
ANCHORHomeowners and RentersBased on 2025 Tax Year

  • Homeowners income ≤$150K: $1,500 (Age 65+: $1,750)

  • Homeowners income $150K–$250K: $1,000 (Age 65+: $1,250)

  • Renters income ≤$150K: $450 (Age 65+: $700)
Stay NJHomeowners aged 65 or older (Disability status alone does not qualify)50% of property taxes — paid after subtracting ANCHOR and Senior Freeze benefits. Maximum net payment limit of $6,500 for 2025.

Key Considerations

Please note the difference in application methods. Automatic filing depends on your specific situation.

  • General Homeowners/Renters under age 65 (ANCHOR only):
    • For previous beneficiaries, the state government will process the application on your behalf and send a ‘Confirmation Letter.’ If there are any changes to your address, bank account, or information, you must apply directly. 
  • Seniors aged 65+ or disability benefit recipients (SSDI/SSI, etc.):
    • The application must be renewed annually
    • Caution: Even if you only qualify for the ANCHOR benefit, if you are a senior, you must directly submit the PAS-1 integrated application online or by mail.
  • Payments may be delayed if income or homeownership information does not match your NJ-1040; please verify all data against your tax return before submission.

Eligibility

  • Age Criteria: Must be at least 65 years old by December 31 of the tax year for which you are applying.
  • Disability Recipient Criteria: Even if you are under the age of 65, if you are receiving Social Security Disability (SSDI) from the Social Security Administration (SSA) or Railroad Retirement Disability benefits, you are eligible to apply under the same criteria as seniors.
  • Residency Requirement: You must own or rent your primary residence in New Jersey. (For Senior Freeze, you must have resided in NJ and owned the same home for at least 3 consecutive years, including the application tax year.)

How to Apply

  • Online Filing (Recommended): Visit propertytaxreliefapp.nj.gov.
    • ID.me Verification: For security, identity verification via driver’s license, state-issued ID, or passport is required.
    • ANCHOR application(under 65 years of age): ANCHOR
  • Documents to Prepare: * Social Security Number (SSN) or ITIN.
    • ANCHOR: NJ-1040 Line 29 Gross Income / Senior Freeze · Stay NJ: Separate income calculation form (includes non-taxable income; refer to PAS-1 instructions)
    • PAS-1 Applicants (Age 65+): NJ-1040 for the past two years and property tax bills (County Code, Block/Lot/Qualifier, tax amount) are required.

Resources

Resources

Housing