Quick Answer for 2026

You can apply for both using the **PAS-1 form**. Stay NJ is designed to ensure your total relief reaches 50% of your bill (up to $6,500). However, Stay NJ is calculated **after** your ANCHOR and Senior Freeze payments. If those two programs already cover 50% of your bill, your Stay NJ credit will be $0.

The Comparison Table

Feature Senior Freeze (PTR) Stay NJ
Primary Goal Refunds the *increase* in taxes Cuts total bill by **50%**
2025 Income Limit $172,475 $500,000
Benefit Cap No limit (varies by increase) $6,500 (Total combined cap)
Residency Req. 3 consecutive years in NJ home Must own/occupy for all of 2025

Visualizing the "Gap" Calculation

Think of Stay NJ as a safety net that "fills the bucket" to 50% of your property tax bill.

Total Tax Bill $10,000
Target Relief (50%) $5,000
-$1,500 (ANCHOR Benefit)
-$1,000 (Senior Freeze Reimbursement)
$2,500 Remaining (Your Stay NJ Credit Amount)

The "Tax Watchdog" Expert Take

Don't be discouraged if your Stay NJ check is smaller than expected. It means your Senior Freeze is doing its job! Because the Freeze "locks in" your taxes at a lower rate from years ago, you are often already receiving significant relief before Stay NJ even touches the bill.

Frequently Asked Questions

Do I need to file two different applications?
No. For the 2025 benefit year, both programs are covered under the single **PAS-1 Combined Application**. If you are 65+ or disabled, this is the only form you need to worry about.
What if I make more than $172,475?
You will be disqualified from the Senior Freeze, but you still qualify for **Stay NJ** as long as your income is under $500,000. This is the biggest win for many South Jersey retirees.

Confused by Worksheet A?

Calculating your "NJ Adjusted Gross Income" for these forms is different than your regular taxes. I offer a $20 flat-fee session to ensure your PAS-1 is filed perfectly.

Book My $20 PAS-1 Help