How to apply for Senior Freeze — Property Tax Reimbursement (PTR) in New Jersey

Who it's for

The Senior Freeze (Property Tax Reimbursement) pays back New Jersey homeowners age 65 or older, or people receiving Social Security or Railroad Retirement disability benefits, for increases in property taxes or mobile home park site fees on their main home above their 'base year' amount. For the 2025 application, total household income must be $168,268 or less for 2024 and $172,475 or less for 2025, and you must have owned and lived in the home since December 31, 2022 or earlier. Senior Freeze is now part of one combined property tax relief application with ANCHOR and Stay NJ. The deadline for the 2025 application is November 2, 2026. Apply at nj.gov/treasury/taxation/ptr or call the Property Tax Relief Programs line at 1-888-238-1233.

What you'll need

• Proof of age 65+ (or SS disability)
• Proof you owned and lived in the home (or leased a mobile home park site) since December 31, 2022 or earlier
• Property tax bills (current + base year)
• Proof of all household income

Where to apply

What to say when you call

"Hello, I'm calling to ask about Senior Freeze — Property Tax Reimbursement (PTR). I'd like to know whether I may qualify, what documents I need, and whether I can apply online, by mail, by phone, or in person. I understand I may need proof of age 65+ (or SS disability), proof you owned and lived in the home (or leased a mobile home park site) since December 31, 2022 or earlier, property tax bills (current + base year) — is anything else required? What is the best next step?"

Tip: have a pen ready, ask for the person's name, and write down any case or reference number they give you.

Step by step

1. Gather your proof of age 65 or older, or proof that you receive Social Security or Railroad Retirement disability benefits.
2. Gather proof that you owned and lived in your home, or leased a mobile home park site, since December 31, 2022 or earlier.
3. Collect your property tax bills for your current year and your base year, plus proof of all household income.
4. Check that your total household income meets the limits for the 2025 application: $168,268 or less for 2024 and $172,475 or less for 2025.
5. Apply for Senior Freeze as part of New Jersey’s combined property tax relief application for Senior Freeze, ANCHOR, and Stay NJ. Apply online or apply by phone at 1-888-238-1233.
6. Submit your application by November 2, 2026.

What to expect: After you apply, the Division of Taxation reviews your information and may contact you if more details are needed. Processing times vary, so ask the agency for an estimate if needed. Senior Freeze must be renewed every year. This program has a high income limit, so many New Jersey homeowners age 65 or older may qualify. It can also be combined with ANCHOR for broader property tax relief.

Renewals

annual