New Jersey's Property Tax Relief Deadline Is Monday: ANCHOR, Senior Freeze and Stay NJ Applications All Close November 2
One form — the PAS-1 — now covers all three programs for seniors and disabled homeowners, and under-65 homeowners and renters file for ANCHOR separately. Both close Monday, and the state is urging anyone who has not filed to do it this weekend's last hours or Monday morning.
Monday, November 2 is the deadline New Jersey's Treasury Department has been pointing at all fall: the last day to apply for the state's three property tax relief programs — ANCHOR, Senior Freeze and Stay NJ — for the 2025 benefit cycle. Seniors aged 65 and older and disabled homeowners no longer file three applications; the combined PAS-1 form covers all three programs at once, and it can be filed online or by mail on paper. Homeowners under 65 and renters apply for ANCHOR on their own form. Both are at propertytaxreliefapp.nj.gov, and the Property Tax Relief Hotline is 1-888-238-1233.
The three programs do different work. Stay NJ, the newest, reimburses up to 50 percent of a senior's property tax bill, capped at $6,500, for homeowners who lived in their New Jersey property for all of 2025 with income under $200,000; its benefits are paid in quarterly installments, with payments from the current round of applications beginning in February 2027. Senior Freeze reimburses eligible seniors and disabled homeowners for increases in property taxes or mobile home park site fees on their main residence over time. ANCHOR is the broadest of the three: homeowners with income of $250,000 or less and renters with income of $150,000 or less who own or rent their main home in New Jersey.
Much of this cycle's money is already moving — ANCHOR payments for tax year 2025 have been going out on a rolling basis since September 15, and Senior Freeze benefits have been mailing on a rolling basis since July 15, according to the Treasury figures reported this weekend. That rolling schedule is exactly why Monday matters for anyone not yet in the system: the state has filed automatically for many eligible residents in past cycles, but seniors and disabled homeowners must file the PAS-1 themselves to receive even the ANCHOR portion. If you have not filed and think you qualify, Monday is the day — online, or a paper form mailed before the deadline.
