For NJ homeowners and renters age 65 and over. Three programs; one application – NJ Form PAS-1.
SENIOR FREEZE
- Born in 1960 or earlier, or received permanent Social Security disability or Railroad Retirement disability payments during 2025.
- Met the 2024 and 2025 income limits:
2024 – $168,268 or less
2025 – $172,475 or less - Owned and lived in the same home as their main home (or leased a site in a mobile home park and lived in a mobile home) on or before December 31, 2022 through December 31, 2025
- The home was subject to property taxes (on the land and improvements.)
ANCHOR
- Owned or rented and occupied property as their main home on October 1, 2025.
- Met the income limits for 2025:
Homeowners – $250,000 or less
Renters – $150,000 or less - Homeowners: The home had to be subject to property taxes on the land and improvements.
- Renters: Must be listed on the lease.
STAY NJ
- Born in 1960 or earlier.
- Met the income limit for 2025:
$500,000 or less - Owned and lived in a NJ home as their main home for all of 2025.
- Stay NJ benefits are calculated after ANCHOR and Senior Freeze benefits are determined.
- If you qualify for all three programs, the Stay NJ]
- benefit will be 50% of your property taxes (up to $6500) minus any payments received through ANCHOR and SENIOR FREEZE.
