Senior, Veteran and Disability Property Tax Relief in New Jersey
Property tax exemptions, freezes and credits in New Jersey for seniors, disabled veterans and people with disabilities.
Short answer: $250 Property Tax Deduction: for New Jersey residents of at least one year prior to October 1 who are 65 or older or disabled, or surviving spouses who were 55 or older at the spouse's death, with income not exceeding the income threshold; NJ Division of Taxation, $250 Senior/Disabled Deduction; Senior Freeze; Stay NJ
| Senior exemptions and freezes | $250 Property Tax Deduction: for New Jersey residents of at least one year prior to October 1 who are 65 or older or disabled, or surviving spouses who were 55 or older at the spouse's death, with income not exceeding the income threshold; file Form PTD with the local assessor or tax collector and Form PD5 each year by March 1. Senior Freeze reimburses eligible seniors and disabled persons for property tax increases on their principal residence; eligibility must be met each year from the base year through the application year. Stay NJ: homeowners 65 or older during 2025 (or with a spouse 65+) who owned and lived in the home all 12 months of 2025, with income not over $200,000, may receive up to $6,500 (income $0-$100,000), $5,000 ($100,000.01-$150,000) or $4,000 ($150,000.01-$200,000), shown as 2027 maximum annualized benefits; the 2024 benefit is paid in August and November 2026 and the 2025 benefit in February and May 2027. Senior Freeze: https://www.nj.gov/treasury/taxation/ptr/index.shtml ; Stay NJ: https://www.nj.gov/treasury/taxation/staynj/index.shtml |
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| Veteran exemptions | 100% Disabled Veteran Property Tax Exemption: an annual property tax exemption on the principal residence of an honorably discharged veteran with active duty service whom the VA certifies as 100% permanently and totally disabled from a service-connected disability, who is a New Jersey resident and owns and occupies the home. A surviving spouse or civil union/domestic partner who has not remarried or entered a new union and who owns and occupies the home may also qualify. File Form D.V.S.S.E. with proofs (DD 214, VA disability certificate, deed, etc.) with the local assessor. A separate $250 Veteran Property Tax Deduction is also offered by municipalities. Program list: https://www.nj.gov/treasury/taxation/lpt/lpt-deductions.shtml |
| Disability exemptions | Disabled persons (with a physician's certificate or Social Security document) may receive the $250 property tax deduction on the same terms as seniors, and may file for the Senior Freeze and ANCHOR on Form PAS-1. |
| Other relief (credits, deferrals, circuit breakers) | ANCHOR provides benefits to homeowners and renters based on residency, income and age (current benefit based on 2025); deadline November 2, 2026 for the 2025 application. Senior Freeze and Stay NJ are listed as Fiscal Year 2027 budget benefits. Active Military Service Property Tax Deferment is also available through municipalities. ANCHOR: https://www.nj.gov/treasury/taxation/anchor/index.shtml |
More New Jersey property tax & homestead exemptions
- The Homestead Exemption in New Jersey
- Appealing Your Property Tax Assessment in New Jersey
- All New Jersey property tax & homestead exemptions rules
FAQ
Do seniors get a property tax exemption in New Jersey?
$250 Property Tax Deduction: for New Jersey residents of at least one year prior to October 1 who are 65 or older or disabled, or surviving spouses who were 55 or older at the spouse's death, with income not exceeding the income threshold; file Form PTD with the local assessor or tax collector and Form PD5 each year by March 1. Senior Freeze reimburses eligible seniors and disabled persons for property tax increases on their principal residence; eligibility must be met each year from the base year through the application year. Stay NJ: homeowners 65 or older during 2025 (or with a spouse 65+) who owned and lived in the home all 12 months of 2025, with income not over $200,000, may receive up to $6,500 (income $0-$100,000), $5,000 ($100,000.01-$150,000) or $4,000 ($150,000.01-$200,000), shown as 2027 maximum annualized benefits; the 2024 benefit is paid in August and November 2026 and the 2025 benefit in February and May 2027.
Do disabled veterans pay property tax in New Jersey?
100% Disabled Veteran Property Tax Exemption: an annual property tax exemption on the principal residence of an honorably discharged veteran with active duty service whom the VA certifies as 100% permanently and totally disabled from a service-connected disability, who is a New Jersey resident and owns and occupies the home. A surviving spouse or civil union/domestic partner who has not remarried or entered a new union and who owns and occupies the home may also qualify. File Form D.V.S.S.E. with proofs (DD 214, VA disability certificate, deed, etc.) with the local assessor. A separate $250 Veteran Property Tax Deduction is also offered by municipalities.
Is there a property tax exemption for people with disabilities in New Jersey?
Disabled persons (with a physician's certificate or Social Security document) may receive the $250 property tax deduction on the same terms as seniors, and may file for the Senior Freeze and ANCHOR on Form PAS-1.
What property tax relief programs does New Jersey offer?
ANCHOR provides benefits to homeowners and renters based on residency, income and age (current benefit based on 2025); deadline November 2, 2026 for the 2025 application. Senior Freeze and Stay NJ are listed as Fiscal Year 2027 budget benefits. Active Military Service Property Tax Deferment is also available through municipalities.
General legal information, not legal advice. Laws change and local rules can differ; check the linked official source or talk to a lawyer about your situation.