Retirement, Answered — NJ Tax Relief Guide: Senior Freeze, ANCHOR, and What to Do Now

New Jersey has some of the highest property taxes in the country, but there are programs designed to help retirees stay put.

 

In Episode 30 of the Retirement GPS Podcast, Ryan and Zane break down the three major New Jersey property tax relief programs: Senior Freeze, ANCHOR, and StayNJ. These benefits can stack together and, in some cases, reduce property tax costs by up to 50%.

 

You’ll learn:

• Who qualifies for each program

• How the Senior Freeze “base year” works

• Why income planning matters for eligibility

• Key filing deadlines and application tips

• How these programs can influence your decision to stay in New Jersey

 

If you’re 65+ or approaching retirement in New Jersey, this episode is a must-listen. Proper planning around these programs can make a meaningful difference in your long-term cash flow — and may even eliminate the need to relocate for tax reasons.

 

If you’re 65 or older (or receiving Social Security Disability), you’ll want to file Form PAS-1 (2025) — New Jersey’s combined property tax relief application for Senior Freeze, ANCHOR, and Stay NJ — available HERE.

 

Subscribe to the Retirement GPS Podcast for weekly retirement planning insights, and follow Zynergy Retirement on Instagram, Facebook, and LinkedIn @ZynergyRetirement to keep your retirement on course.