Who qualifies for the $250 senior or disabled deduction in New Jersey?

You are 65 or older, or permanently and totally disabled, as of December 31 of the year before the tax year. You have lived in NJ at least one year before October 1, and you own and live in the home on October 1. Income is $10,000 or less, not counting Social Security and certain government pensions. A surviving spouse or civil-union partner may qualify. $250 off your property tax bill. Deadline: File PD5 on or before March 1 each year to continue.

Who qualifies for the $250 veterans deduction in New Jersey?

You were honorably discharged from active duty, live in NJ, and own and live in the home on October 1 of the year before the tax year. No income limit. An unremarried surviving spouse, civil-union partner or domestic partner may qualify. Guard and Reserve service counts only if you were called to active duty other than training. Not available if the home is already fully exempt. $250 off your tax bill. Deadline: With the assessor: October 1 to December 31 of the year before the tax year. With the collector: January 1 to December 31 of the tax year.

Who qualifies for the 100% disabled veteran exemption in New Jersey?

A veteran with a service-connected total and permanent disability certified by the VA, or a qualifying surviving spouse. You own and live in the home. Your home is fully exempt from property tax. The $250 veterans deduction does not add to this.

Who qualifies for the ANCHOR (2025 benefit year, paid in 2026) in New Jersey?

The home was your main home on October 1, 2025. Homeowners need NJ gross income of $250,000 or less. Renters need $150,000 or less. Not a vacation home, not a property with more than four units, and not a homeowner PILOT property. Renters in PILOT units can qualify. Up to $1,500 from the state. Deadline: November 2, 2026.

Who qualifies for the Senior Freeze / Property Tax Reimbursement (2025) in New Jersey?

You were 65 by December 31, 2025, or got Social Security or Railroad Retirement disability benefits by then. You owned and lived in the home (or leased a mobile-home site for a home you own) since December 31, 2022, and were still there December 31, 2025. Income is $168,268 or less in 2024 and $172,475 or less in 2025. Income includes Social Security. The state pays back the amount your 2025 property taxes (or site fees) rose above your base-year amount. If your bill did not rise, you get nothing. If your income goes over the limit after a prior-year freeze, you can keep your base year one time. Deadline: November 2, 2026. Payments began July 15, 2026, for applications filed before May 1, 2026.

Who qualifies for the Stay NJ (2025 tax year, paid in FY2027) in New Jersey?

A homeowner age 65 or older during 2025 (or a spouse that age) who owned and lived in the home all 12 months of 2025. The property must be taxed or in PILOT. Total income, figured like the Senior Freeze, must be $200,000 or less. Renters and mobile-home owners are not eligible. FY2027 maximum: $6,500 if income is $0 to $100,000; $5,000 if $100,000.01 to $150,000; $4,000 if $150,000.01 to $200,000; nothing above $200,000. If you qualify for all three programs, Stay NJ is 50% of property taxes (up to $6,500) minus ANCHOR and Senior Freeze. Together, Senior Freeze, ANCHOR, Stay NJ and the $250 deductions cannot be more than the property taxes you paid. Deadline: November 2, 2026.

Rules by state / New Jersey

New Jersey property tax, line by line.

Your municipal tax collector sends your property tax bill. It includes municipal, county, school and special-district taxes. Big relief programs (ANCHOR, Senior Freeze, Stay NJ) are paid by the state, not taken off your bill.

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At a glance

Who sends the bill: Your municipal tax collector.
When it's due: Most towns bill in four installments a year. Check your bill for exact dates.
Value is set as of: October 1 of the year before the tax year.
Limits on increases: No statewide cap on assessed value or on your tax bill.

Bill dates source · Assessment source

What may come off

6 programs homeowners can claim

None of these are applied for you automatically. Each one is free to apply for. If you upload your bill, we check which ones are already on it and which may fit you.

$250 senior or disabled deduction

Who: You are 65 or older, or permanently and totally disabled, as of December 31 of the year before the tax year. You have lived in NJ at least one year before October 1, and you own and live in the home on October 1. Income is $10,000 or less, not counting Social Security and certain government pensions. A surviving spouse or civil-union partner may qualify.
What you get: $250 off your property tax bill.
How to apply: File Form PTD with your municipal assessor or collector. Keep it going with Form PD5 filed with the collector. Form: Form PTD / Form PD5.
Deadline: File PD5 on or before March 1 each year to continue.
If you're late: If you are denied, you can appeal to the county board of taxation by April 1, or by the next April 1 if the denial came too late.
After that: Every year.

Form PTD / Form PD5: the form

$250 veterans deduction

Who: You were honorably discharged from active duty, live in NJ, and own and live in the home on October 1 of the year before the tax year. No income limit. An unremarried surviving spouse, civil-union partner or domestic partner may qualify. Guard and Reserve service counts only if you were called to active duty other than training. Not available if the home is already fully exempt.
What you get: $250 off your tax bill.
How to apply: File Form V.S.S. with your assessor or collector.
Deadline: With the assessor: October 1 to December 31 of the year before the tax year. With the collector: January 1 to December 31 of the tax year.
After that: It continues while you are eligible. Ask your town if you must file a yearly statement.

Form V.S.S.: the form

100% disabled veteran exemption

Who: A veteran with a service-connected total and permanent disability certified by the VA, or a qualifying surviving spouse. You own and live in the home.
What you get: Your home is fully exempt from property tax. The $250 veterans deduction does not add to this.
How to apply: Apply with your local assessor.
After that: It continues while your disability certification and occupancy continue.

Source

ANCHOR (2025 benefit year, paid in 2026)

Who: The home was your main home on October 1, 2025. Homeowners need NJ gross income of $250,000 or less. Renters need $150,000 or less. Not a vacation home, not a property with more than four units, and not a homeowner PILOT property. Renters in PILOT units can qualify.
What you get: Up to $1,500 from the state.
How to apply: If you are under 65 and not on SSDI or Railroad Retirement disability, most people were filed automatically. Confirmation letters were mailed August 10, 2026, and banking changes were due September 15, 2026. If you are 65 or older, or get those disability benefits, file Form PAS-1 yourself. Others not filed automatically use the property tax relief application.
Deadline: November 2, 2026.
After that: Every year.

Form PAS-1: the form

Senior Freeze / Property Tax Reimbursement (2025)

Who: You were 65 by December 31, 2025, or got Social Security or Railroad Retirement disability benefits by then. You owned and lived in the home (or leased a mobile-home site for a home you own) since December 31, 2022, and were still there December 31, 2025. Income is $168,268 or less in 2024 and $172,475 or less in 2025. Income includes Social Security.
What you get: The state pays back the amount your 2025 property taxes (or site fees) rose above your base-year amount. If your bill did not rise, you get nothing. If your income goes over the limit after a prior-year freeze, you can keep your base year one time.
How to apply: File Form PAS-1, which also covers ANCHOR and Stay NJ.
Deadline: November 2, 2026. Payments began July 15, 2026, for applications filed before May 1, 2026.
After that: Every year.

Form PAS-1: the form

Stay NJ (2025 tax year, paid in FY2027)

Who: A homeowner age 65 or older during 2025 (or a spouse that age) who owned and lived in the home all 12 months of 2025. The property must be taxed or in PILOT. Total income, figured like the Senior Freeze, must be $200,000 or less. Renters and mobile-home owners are not eligible.
What you get: FY2027 maximum: $6,500 if income is $0 to $100,000; $5,000 if $100,000.01 to $150,000; $4,000 if $150,000.01 to $200,000; nothing above $200,000. If you qualify for all three programs, Stay NJ is 50% of property taxes (up to $6,500) minus ANCHOR and Senior Freeze. Together, Senior Freeze, ANCHOR, Stay NJ and the $250 deductions cannot be more than the property taxes you paid.
How to apply: File Form PAS-1.
Deadline: November 2, 2026.
After that: Every year. The 2025 benefit is paid in February and May 2027.

Form PAS-1: the form

Think your value is too high?

Asking for a lower assessed value

Formal appeal: Your county board of taxation. If your assessment is over $1,000,000, you can file directly with the Tax Court. Further review goes to the Tax Court.
Deadline: April 1 of the tax year, or 45 days after the notice of assessment is bulk mailed, whichever is later. May 1 if your town did a town-wide revaluation or reassessment. Monmouth and Gloucester counties file by January 15. For added and omitted assessments: December 1 of the year of the levy, or 30 days after those bills are bulk mailed, whichever is later.
Fee: $5 if assessed value is under $150,000; $25 if $150,000 to under $500,000; $100 if $500,000 to under $1,000,000; $150 if $1,000,000 or more. Classification-only appeals: $25.
Good to know: The board can raise your value as well as lower it. After you file, the assessor may agree to a settlement with you before the county board rules. That is not a separate free review.

A formal appeal reopens your whole value: the board can raise it as well as lower it. Bring recent sales of similar homes.

Source · We never charge for help asking for a lower value.

What can't come off

Charges you can't remove

The tax bill itself. ANCHOR, Senior Freeze and Stay NJ are payments to you, and together they cannot exceed the tax you paid.
A fully exempt disabled-veteran home has nothing left for the $250 deduction.
Vacation homes, rental properties and homeowner PILOT payments do not qualify for ANCHOR.
Special assessments and non-tax utility charges.

Municipal, county, school and special-district property taxes are all on your municipal bill. Water, sewer and utility charges are billed separately if they are not property tax. The $250 deductions reduce your bill. ANCHOR, Senior Freeze and Stay NJ are state payments to you, not line items removed from the bill.

Just bought?

The bill after you buy

Added and omitted assessment bills are mailed separately from your regular bill.

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Rules checked October 28, 2026 against official New Jersey sources. Rules change: check the deadline with your county before you rely on it. Not legal or tax advice.