New Jersey Property Tax Relief Resource Guide — South Jersey Official NJ Treasury
South Jersey's Property Tax Resource

New Jersey Property Tax Relief Programs

Millions of NJ homeowners, renters, and seniors qualify for tax relief they never claimed. Find out what you're owed — and how to get it.

Check My ANCHOR Eligibility PAS-1 Filing Guide
$1,500
Max ANCHOR homeowner benefit
$6,500
Max Stay NJ senior credit
$20
PAS-1 filing help, flat fee
Nov 2
PAS-1 deadline 2026
Latest
Stay NJ quarterly payments began February 2026 — see details
PAS-1 filing deadline: November 2, 2026 — file now
ANCHOR auto-confirmation letters mailing August 2026 for non-seniors — learn more
Licensed NJ Agent #2079591
15+ Years Tax Experience
@thetaxwatchdog — NJ Tax Tips Daily
South Jersey — Camden, Gloucester, Burlington
PAS-1 Help — $20 flat fee · Book now
2025 PAS-1 filing season is open. Seniors 65+ and disabled homeowners: one form covers ANCHOR, Senior Freeze, and Stay NJ. Deadline November 2, 2026. File at propertytaxrelief.nj.gov or get step-by-step help here.
Where to Start

What Describes You Best?

Pick your situation and go directly to the programs and tools that apply to you.

I'm a Homeowner
Under 65, own my home, want to know what relief programs I qualify for.
ANCHOR Program
I'm a Renter
I pay rent — didn't know I might qualify for property tax relief too.
ANCHOR for Renters
I'm a Senior 65+
I want to know about Stay NJ, Senior Freeze, and the PAS-1 form.
Senior Programs
All Programs

4 Ways to Reduce Your NJ Property Tax Burden

New Jersey offers multiple relief programs. Many residents qualify for more than one — but you have to apply.

Up to $1,500
Homeowners · Renters
ANCHOR Program
For all NJ homeowners and renters regardless of age. Replaced the old Homestead Benefit. Direct cash payment — not a tax bill credit.
Full ANCHOR Guide
Up to $6,500
Age 65+ · Income ≤ $500K
Stay NJ Program
50% off your annual property tax bill. Quarterly payments started February 2026. Apply via the PAS-1 combined form.
Stay NJ & Senior Programs
Freezes Your Rate
Age 65+ or Disabled
Senior Freeze (PTR)
Property Tax Reimbursement — pays you back every dollar your taxes increase above your base year. Apply via the PAS-1 form.
Senior Freeze Details
$250–Full Exempt
Eligible NJ Veterans
Veterans Property Tax Benefits
$250 annual deduction for all eligible veterans. 100% disabled veterans may receive a complete property tax exemption — $0 owed.
Veterans Benefits Guide
By the Numbers

Key Facts & Deadlines

The numbers you need to know before you apply.

Oct 1
Key residency date for ANCHOR — you must have lived there on this date
Nov 2
PAS-1 filing deadline for seniors — 2026 application year
$172K
Senior Freeze income limit for 2025 ($172,475)
Apr 1
Property tax appeal deadline in most NJ counties
$250K
Max income for ANCHOR homeowner benefit
$500K
Max income for Stay NJ — most seniors qualify
4x/yr
Stay NJ payment schedule — Feb, May, Aug, Nov
1 Form
PAS-1 covers ANCHOR + Stay NJ + Senior Freeze simultaneously
Eligibility Checker

ANCHOR Benefit Estimator

Answer 5 quick questions and find out what you're owed. Takes about 90 seconds.

ANCHOR Benefit Estimator

Estimate only — actual eligibility determined by the NJ Division of Taxation.

Do you own or rent your home?
This determines which ANCHOR benefit track applies to you.
Was this your primary NJ residence on October 1 of the benefit year?
Your main home — not a vacation home or investment property.
What was your approximate gross income for the benefit year?
All sources: wages, Social Security, retirement, investments — combined.
Were you 65 or older during the benefit year?
Renters 65+ get a higher benefit ($700 vs $450).
Are your property taxes current (or on a payment plan)?
More than 12 months delinquent may disqualify homeowners.
Almost done — where should we send your results?
We'll include local deadlines and next steps.
Senior Tool

Stay NJ Credit Calculator

For seniors 65+. Enter your annual tax bill to see your estimated 50% credit — up to $6,500 per year, paid quarterly.

Stay NJ — 50% Off Your Property Tax Bill

Quarterly payments started February 2026. Apply via the PAS-1 combined form — same form covers ANCHOR and Senior Freeze too.

Full Senior Programs Guide — Stay NJ, Senior Freeze & PAS-1
PAS-1 Filing Help

Don't Let the Form Stop You

The PAS-1 covers three programs in one form — but it can feel overwhelming. John Scafide will walk you through it line by line, make sure it's filled out correctly, and submit before the deadline.

  • $20 flat fee — no hidden charges
  • Venmo, Zelle, credit, debit, or cash
  • 15+ years of tax experience
  • Deadline: November 2, 2026
Book PAS-1 Help — $20 View the Free Guide

What the PAS-1 Covers

ANCHOR Benefit
Up to $1,500 direct payment
$1,500
Stay NJ Credit
50% of your tax bill, quarterly
$6,500
Senior Freeze
Tax increase reimbursed
Varies
All three programs. One form. One $20 session.
Homebuyer Tools

Mortgage Calculator

Estimate your monthly payment and total cost of ownership for any South Jersey home.

Principal and interest only. Taxes, insurance, and HOA are separate. Ask for a full cost breakdown →

Enter your home price and loan details to see your estimated payment.

Seller Tools

What's My South Jersey Home Worth?

Useful for tax appeals, estate planning, or if you're considering selling. Powered by live MLS data.

Instant Home Value Estimator

Enter your address below — updated from real MLS data.

Want a full comparable sales analysis? Request a free CMA from our team →
From the TikTok

Watch & Learn — NJ Tax Tips

Short, clear videos on NJ property tax programs, deadlines, and strategies. No jargon.

Follow @thetaxwatchdog
@thetaxwatchdog

Stay NJ quarterly payments — new for 2026. First payments began Feb 9, 2026.

♬ original sound - John | Wealth & Tax Strategies
@thetaxwatchdog

NEW in 2026: NJ Senior Property Tax relief checks — all the details.

♬ original sound - John | Wealth & Tax Strategies
@thetaxwatchdog

Seniors 65+ — new standard deductions you may qualify for 2025-2028.

♬ original sound - John | Wealth & Tax Strategies
Resource Center

NJ Property Tax Knowledge Base

Deep-dive guides and strategies for South Jersey homeowners.

Seniors

Stay NJ vs. Senior Freeze: The Difference

Learn how these two programs interact and why you shouldn't choose one over the other...

Read Guide
Veterans

Veterans: $250 Deduction vs. 100% Exemption

A breakdown of the service requirements and how surviving spouses can maintain their tax benefits...

Read Guide
Strategy

The South Jersey Property Tax Appeal Guide

A step-by-step timeline for Camden, Gloucester, and Burlington counties to lower your assessment.

Read Guide
Property Tax Appeal

Think Your Assessment Is Too High?

You have the right to appeal every year. A successful appeal reduces your assessed value — permanently lowering your taxes going forward. Most people don't know a real estate agent can pull free MLS comps to help build your case.

Appeal Guide & Calculator Get Free Comps
Appeal Deadline
Apr 1
Most NJ counties

Talk to a South Jersey Real Estate & Tax Expert

Property taxes affect what your home is worth, whether to sell, and how to protect your equity. Get a free consultation from a local licensed agent with 15+ years of tax experience.

  • Free comparable sales report for your neighborhood
  • Help with your property tax appeal
  • PAS-1 filing assistance — $20 flat fee
  • ANCHOR and Stay NJ eligibility questions answered
  • Honest advice on buying, selling, or holding

Get Your Free Consultation

Your info is never sold. Response within 1 business day.

Got it — talk soon!

John or Heather will follow up within one business day.

Book PAS-1 Help Now
John Scafide
John Scafide
Licensed NJ Real Estate Agent
15+ Years Tax Experience · H&R Block Tax Professional
NJ License #2079591 · The McKenty Team · Opus Elite Real Estate
@thetaxwatchdog
Heather Scafide
Heather Scafide
Licensed NJ Real Estate Agent
South Jersey Buyer & Listing Specialist
856-310-6746
NJ License #2192318 · The McKenty Team · Opus Elite Real Estate

Get the 2026 Filing Checklist

Ensure you have every document ready before the Nov 2nd deadline. Don't let a missing paper delay your $1,500+ rebate.

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