If you’re a homeowner over 65, you probably know that property taxes are one of the biggest “stealth” drains on a retirement budget. But here’s the news that’s catching many people off guard this week: in 2026, some of the biggest relief programs in states like New Jersey and Ohio have changed their rules, and the “auto-renew” feature you’ve relied on for years might be gone.
In New Jersey, the launch of the massive “Stay NJ” program—which offers up to $6,500 in relief—has forced the state to combine all its tax applications into one form. If you assumed your “Senior Freeze” or “ANCHOR” rebate would just show up in your mailbox as it did in 2025, you could be in for a rude awakening. Here’s what you need to know to make sure you don’t leave thousands of dollars on the table this year.
The “Stay NJ” Combined Application Trap
The biggest headline for 2026 is New Jersey’s new property tax credit. It’s designed to cut property taxes by 50% for seniors earning less than $500,000. However, the state has moved to a “Combined Application” format (Form PAS-1). This means that even if you were automatically enrolled in the ANCHOR rebate last year, you may be required to manually reapply in 2026 to qualify for the new, larger benefits.
According to Novi Wealth, failing to submit this combined form by the October deadline could cost you the higher of the Stay NJ credit or your combined ANCHOR and Senior Freeze benefits. Don’t let a “forgotten renewal” turn into a $6,500 mistake.
Ohio’s New $2 Billion Reform
If you live in the Buckeye State, property tax relief is finally here, but you have to know where to look. Starting in 2026, Ohio has expanded its Owner-Occupancy Credit and implemented new caps on “unvoted” tax hikes. For many retirees, this reform will provide $2 billion in collective savings over the next three years. As reported by Kiplinger, the key is ensuring your “Homestead Exemption” is up to date. If you’ve recently turned 65 or your income has dropped, you may now qualify for significantly larger deductions that weren’t available to you in 2025.
The Montana “Homestead” Deadline
Montana has also overhauled its system for 2026, moving to a “tiered rate” that could make property taxes up to 65% cheaper for some residents. However, this isn’t an automatic gift from the state. You must submit a Homestead Application to the Montana Department of Revenue between December 1, 2025, and March 1, 2026. If you miss this window, you’ll be stuck paying the old, higher flat rates for the rest of the year.
Why You Must Check Your “Local” Exemptions
While state programs get the headlines, many of the best deals are local. In New York, for example, several jurisdictions are raising the “SCHE” limit to 65%, providing an average of $300 in extra relief. But because these are local options, your county might not send you a reminder. You need to call your local assessor’s office to ask, “Did the 2026 SCHE limits change, and do I need to re-file?”
Don’t Let Your Benefits Sunset
In 2026, property tax relief is more generous than ever, but it’s also more bureaucratic. The “set it and forget it” era of senior tax breaks is over. Take an hour this week to check your state’s tax website or call your local assessor. Whether it’s the $6,500 Stay NJ credit or the new Montana tiered rates, the only way to get the relief is to make sure your name is on the list.
Have you received your 2026 property tax assessment yet, and did it include your expected senior credits? Leave a comment below and let us know if your local office required a new application!
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