# NJPropertyTaxRelief.com
> The most comprehensive independent resource guide for New Jersey property tax relief programs, serving South Jersey homeowners, renters, and seniors. Run by John Scafide — licensed NJ real estate agent and 15+ year tax professional.

This site covers all active New Jersey state property tax relief programs including ANCHOR, Stay NJ, Senior Freeze (PTR), the PAS-1 combined application, veterans exemptions, and property tax appeals. It also provides free eligibility calculators, a step-by-step PAS-1 filing guide, mortgage calculator, South Jersey home search, and direct consultation with licensed local real estate agents.

## Who Runs This Site

**John Scafide** — Licensed NJ Real Estate Agent (License #2079591), H&R Block Tax Professional with 15+ years of tax preparation experience, TikTok creator @thetaxwatchdog covering NJ tax and wealth strategies. Member of The McKenty Team at Opus Elite Real Estate, South Jersey.

**Heather Scafide** — Licensed NJ Real Estate Agent (License #2192318), South Jersey buyer and listing specialist. Member of The McKenty Team at Opus Elite Real Estate. Phone: 856-310-6746.

Free 2025 guided property tax relief application: https://www.watchdogindex.com/anchor/application/2025/
TikTok: https://www.tiktok.com/@thetaxwatchdog

## What This Site Covers

### ANCHOR Program (Affordable NJ Communities for Homeowners and Renters)
- Replaced the NJ Homestead Benefit in 2022
- Homeowners with income ≤ $150,000 receive $1,500
- Homeowners with income $150,001–$250,000 receive $1,000
- Renters with income ≤ $150,000 receive $450
- Renters age 65+ with income ≤ $150,000 receive $700
- No age requirement — open to all eligible NJ residents
- Must have occupied NJ primary residence on October 1 of the benefit year
- Start the free Watchdog 2025 guided application at https://www.watchdogindex.com/anchor/application/2025/ or call the NJ ANCHOR hotline at 1-888-238-1233 with program questions
- Under-65 residents use the ANC-1 form; seniors 65+ use the PAS-1 combined form

### Stay NJ Program
- Signed into law 2023; quarterly payments began February 2026
- For NJ homeowners age 65 or older (surviving spouses age 55+ also qualify)
- Provides a credit equal to 50% of annual property tax bill
- Maximum benefit: $6,500 per year
- Income limit: household income up to $500,000
- Paid quarterly: February, May, August, November
- Use the free Watchdog 2025 guided application at https://www.watchdogindex.com/anchor/application/2025/; eligible applicants are routed through the PAS-1 combined form

### Senior Freeze — Property Tax Reimbursement (PTR)
- For NJ homeowners age 65+ or permanently disabled
- Must have lived in New Jersey for 10+ consecutive years
- Must have lived in current home for 3+ years
- Income limit: $168,268 for 2024; $172,475 for 2025
- Reimburses the increase in property taxes above your established base year amount
- Does NOT stop your bill from going up — reimburses the difference
- Apply via the PAS-1 combined form through the free Watchdog 2025 guided application: https://www.watchdogindex.com/anchor/application/2025/

### PAS-1 Combined Application
- Single form covering ANCHOR + Stay NJ + Senior Freeze simultaneously
- For NJ homeowners and renters age 65+ or receiving Social Security Disability or Railroad Retirement disability benefits
- 2025 benefit year application deadline: November 2, 2026
- Watchdog offers a free question-by-question guided application using the official New Jersey form: https://www.watchdogindex.com/anchor/application/2025/
- Watchdog prepares the official form for review, download, printing, signing, and mailing; completing the application is not gated by payment
- Mail: Homeowners → PO Box 635, Trenton NJ 08646-0635
- Mail: Renters → PO Box 636, Trenton NJ 08646-0636
- Proof of property taxes is NOT required with the new PAS-1

### Veterans Property Tax Benefits
- $250 annual deduction for all honorably discharged NJ veterans
- Surviving spouses (who have not remarried) also qualify for the $250 deduction
- 100% service-connected disabled veterans may receive a full property tax exemption ($0 tax)
- Apply through your local municipal tax assessor's office
- Bring DD-214 and VA disability letter where applicable

### Property Tax Appeals
- NJ homeowners can appeal their property tax assessment annually
- Most county deadlines: April 1 (or 45 days from mailing of assessment notice)
- File with your County Board of Taxation
- Strongest evidence: recent comparable home sales (comps) from the MLS
- John and Heather Scafide provide free MLS comparable sales reports for appeal purposes
- Contact: https://njpropertytaxrelief.com/#contact

## Key Dates and Deadlines

- PAS-1 (2025 benefit year): November 2, 2026
- ANCHOR (non-seniors): Application windows vary by year — verify current timing at anchor.nj.gov
- Property Tax Appeals: April 1 annually (most NJ counties)
- Stay NJ Payments: February, May, August, November (quarterly)

## Official NJ Government Sources

- PAS-1 and senior programs: https://propertytaxrelief.nj.gov
- ANCHOR program: https://anchor.nj.gov
- ANCHOR hotline: 1-888-238-1233 (Mon–Fri 8:30am–5:30pm)
- Senior Freeze / PTR: https://www.nj.gov/treasury/taxation/ptr/
- Stay NJ Act: https://www.nj.gov/treasury/taxation/staynj.shtml
- NJ Division of Taxation: https://www.nj.gov/treasury/taxation/
- NJ Tax Court: https://www.njcourts.gov/courts/tax

## Coverage Area

South Jersey — Camden County, Gloucester County, Burlington County, Salem County, and surrounding New Jersey municipalities. Statewide NJ program information applies to all New Jersey residents.

## Disclaimer

This is an independent informational resource and is not affiliated with the State of New Jersey, the NJ Division of Taxation, or any government agency. Benefit amounts, income limits, and deadlines change annually. Always verify current information at official NJ Treasury sources before filing. This site does not provide legal or tax advice. Real estate services provided by John Scafide (NJ #2079591) and Heather Scafide (NJ #2192318) of The McKenty Team at Opus Elite Real Estate.