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Division of Taxation

Frequently Asked Questions (FAQs)

Paper Application

When should I file a paper application?

Some homeowners are required to file a paper ANCHOR application (Form ANCHOR-H).

You must file a paper application if:

  • You shared ownership of your main home with someone who was not your spouse/civil union partner and your percentage of ownership is not preprinted on your worksheet.
  • Your main home was a unit in a multi-unit property that you owned.
  • You received an ANCHOR information mailer for the correct property, but the name on the mailer is not yours or needs to be changed due to marriage, death, etc.
  • You are a widow(er)/surviving civil union partner and your deed lists both your name and the name of your deceased spouse.
  • You are an executor filing on behalf of a deceased homeowner.
  • You occupied a newly constructed home on October 1 for which you did not receive an ANCHOR mailer with an Identification Number and PIN.
  • You are considered a homeowner for purposes of applying for the ANCHOR benefit, but you were not the actual owner of record on October 1.
  • You and your spouse/civil union partner maintained the same main home and require separate ANCHOR benefit payments.
  • You are filing for a property held in trust. (You are considered an eligible owner of a property owned by a trust if you are a beneficiary, or the deed or trust agreement explicitly states that you have a life estate in the property.)

Most homeowners filing paper applications will need to include supporting documentation to verify eligibility. See application instructions for proper enclosures.

If you must file a paper application, you can print Form ANCHOR-H and mail it along with any necessary supporting documents.


Change of Address

How do I update my mailing address?

You can change your mailing address when you file the application.

If you have already filed your application, visit our Address Change page.

I owned a home in New Jersey on October 1, 2019, but I sold it. Since I've already moved, how will I get my 2019 benefit?

File the application for the home you owned and occupied on October 1, 2019. You can select direct deposit (if you filed electronically and provided your banking information) or provide your current mailing address if you prefer a paper check.

Do I have to be a current resident to apply?

No. However, you must have owned and occupied a home in New Jersey as your principal residence on October 1, 2019, and meet all of the program qualifications for 2019.


Deceased Homeowners

My ANCHOR filing information has my name and my deceased spouse's. How do I remove my spouse's name?

We require you to file a paper application to change the preprinted filing information. Be sure to include supporting documentation (e.g., death certificate, marriage certificate, legal documentation) with your application.

I am filing the application on behalf of an estate. Should I leave the bank account open until I receive the 2019 ANCHOR payment?

We expect to issue 2019 ANCHOR payments by the late Spring of 2023. Due to the direct deposit or paper check timing, speak to your bank and/or seek guidance about bank accounts from your attorney before closing the estate account.


Divorced Homeowners

My ANCHOR filing information lists my name and my former spouse's name. How do I file?

If you divorced prior to October 1, 2019, you should file a paper application in your name only and report your percentage of ownership (50% unless otherwise specified on the property deed or the divorce decree).

If you divorced on or after October 1, 2019, but before January 1, 2020, and:

  • You lived in the home by yourself on October 1, 2019, file a 2019 ANCHOR paper application in your name only and report 100% ownership; or
  • You and your former spouse lived in the home on October 1, 2019, file separate paper applications, each reporting the appropriate percentage of ownership. (50% unless otherwise specified on the property deed or the divorce decree.)

In either scenario, report your 2019 New Jersey Income Tax return filing status.


Income

Where do I find the amount of my 2019 New Jersey gross income to report on my application?

Your 2019 New Jersey gross income is reported on Line 29 of your 2019 NJ-1040. If your income was under the filing threshold, report your income as $0.

I was the sole owner of my principal residence on October 1, 2019, but I was married. What income do I report on my 2019 ANCHOR application?

If you and your spouse lived together in your home on October 1, 2019, you must report your combined income on your ANCHOR application. However, if your spouse maintained a separate principal residence on October 1, 2019, you should report only your income on the application.


Filing Status

What filing status do I choose (Section D in the online filing application)?

Your 2019 New Jersey Income Tax return (NJ-1040) determines your filing status. If you were not required to file a 2019 Income Tax return, use the filing status you would have used if you were required to file.

If your filing status is married/CU couple filing separately, select the option based on the living situation that you and your spouse/CU partner had on October 1, 2019.

If you were married and you maintained your principal residence with your spouse on October 1, 2019, and you each want to receive a separate check for half of the benefit amount for which you are eligible, you should check the box in Section D in the online filing application that states, "I want my half of the benefit payment in my name only."

Each spouse must file a separate ANCHOR application.

2019 Income Tax filing status help .


'How Do I File?' Scenarios

On October 1, 2019, the deed to the home was in my name only, and my fiancé/spouse/cu partner lived with me. How do I file?

Homeowners only qualify to apply if their name appears on the deed, regardless of filing status/marital status. Therefore, your name should only appear on the preprinted mailer. Select your 2019 Income Tax filing status and enter your 2019 gross income (combined income if married/cu couple before January 1, 2020). If other names are preprinted you must file a paper application in your name only and include a copy of the deed showing who owned the home on October 1, 2019.

On October 1, 2019, the deed to the home was in my name and my partner's name and we lived together. We were a married/CU couple before January 1, 2020, and:

  • We want to receive one benefit payment. How do we file?
    Complete one application and:
    • Enter your name (last name, first name, middle initial) and the first name and middle initial of your spouse/CU partner (last name only if different from yours);
    • Select your 2019 Income Tax filing status;
    • Enter your combined 2019 gross income.
  • We each want to receive separate payments for our half of the benefit. How do we file?
    Each person must complete a separate application:
    • Enter only your name (last name, first name, middle initial);
    • Select your 2019 Income Tax filing status;
    • Check the box next to "I want my half of the benefit payment in my name only." in Section D;
    • Enter your combined 2019 gross income (we use combined income to calculate benefits amounts).
  • On October 1, 2019, the deed to the home was in my name and my fiancé's name, and we lived together. We were married/CU after December 31, 2019. How do we file?
    You were not married on December 31, 2019. Therefore, each of you must file a paper application, claim multiple ownership, and indicate your ownership percentage.
    On the paper application, enter:
    • Only your name (last name, first name, middle initial);
    • Your 2019 Income Tax filing status;
    • Your 2019 gross income only since you were not married, and
    • Multi-owner and enter your share of ownership.

Trusts

Am I eligible to file if a trust owns the property?

To be eligible, you must be a beneficiary of the trust, occupy the home as your main home on October 1, 2019, meet the income requirements, and the 2019 property taxes must have been paid by June 1, 2020. File a paper application and submit a copy of the trust agreement for proof of eligibility.


Multiple Owners

On October 1, 2019, I owned a home with someone who was not my spouse and the preprinted name/property record indicates multiple names. How do I file?

You must file a paper application in your name only. On the paper application, you need to indicate you owned the property with someone other than a spouse and fill in your proportionate share of ownership. If your name is not preprinted, include a copy of the property deed that shows you are an owner.

My fiancé and I shared ownership of our home on October 1, 2019. We married after October 1, 2019, but before January 1, 2020. How should we file?

You are considered one owner since you were married on or before December 31, 2019. You can file online if a name change isn't needed. File online using the preprinted names, enter your 2019 combined gross income, and answer no when asked if you owned the home with someone other than a spouse.

If a name change is required, you need to file a paper application and include legal documentation that shows your correct name (e.g. marriage certificate, divorce decree, etc.)


Multiple Units

I owned a multi-unit property and lived in one of the units. My filing information is not preprinted with the percentage of property I use as my principal residence. How do I file?

You must file a paper application if you meet the other eligibility requirements.


Miscellaneous

Will I receive my ANCHOR benefit as a check or direct deposit, or will the benefit appear as a credit on my property tax bill?

We will issue 2019 ANCHOR payments as a paper check or direct deposit. You select the payment type when you file. 2019 payments will not be credited to your local property tax bill. We will begin paying ANCHOR benefits in the late Spring of 2023.


Last Updated: Thursday, 10/20/22