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Feeling overwhelmed by your East Brunswick or Cranford property tax bill? You’re definitely not alone.
New Jersey consistently ranks as one of the highest property tax states in the country, and for local homeowners, taxes can eat up a big part of your annual budget.

The good news?
There are powerful property tax deductions and relief programs available — if you know where to look and how to claim them.
While we’re highlighting East Brunswick and Cranford today, these strategies apply to homeowners across New Jersey.

Let’s dive into how you can maximize your savings.

Why New Jersey Homeowners Pay Some of the Highest Property Taxes

It’s no secret: New Jersey's average property tax bill tops $9,000, and in towns like East Brunswick and Cranford, bills often stretch well beyond $10,000.
The combination of top-ranked public schools, infrastructure, and municipal services contributes to higher rates — but that doesn’t mean you’re powerless.

Property taxes are based on the assessed value of your home multiplied by your local tax rate.
While you can't lower the tax rate yourself, you can absolutely make sure you're taking advantage of every available deduction.

Key Property Tax Deductions Available in New Jersey

Homeowners can trim their tax burden by understanding and applying for these core deductions:

1. New Jersey Property Tax Deduction

• If you paid property taxes on your primary residence, you may qualify for a deduction of up to $15,000 on your New Jersey state income tax return.

2. Senior Citizens, Disabled Persons, and Surviving Spouses Deduction

• Homeowners who are 65 or older, permanently disabled, or surviving spouses (age 55+) may be eligible for an annual property tax deduction.

• Check specific income and residency requirements with your town’s tax assessor.

3. Veterans Deduction

• Eligible veterans (or surviving spouses) can claim a $250 annual property tax deduction.

• Some towns may offer additional local veteran relief programs, so it’s worth asking.

The Senior Freeze Program (Property Tax Reimbursement)

One of the best-kept secrets for senior homeowners in East Brunswick, Cranford, and throughout New Jersey is the Senior Freeze Program (PTR Program).

How it works:
The program reimburses eligible seniors and disabled persons for any property tax increases after they establish a base year. Over time, as taxes rise, your out-of-pocket cost stays the same.

Eligibility basics:

• Must be 65 or older (or receiving federal disability benefits).

• Must meet both residency and income requirements (2024 limit: around $150,000, but check each year).

• Must have lived in New Jersey for at least 10 years, with at least 3 years in the same home.

Important: You must reapply every year — missing a deadline could cause you to lose your freeze benefits permanently.

Homestead Benefit Program (Currently Suspended or Modified)

Historically, the Homestead Benefit has provided direct property tax credits to eligible homeowners.
However, recent state budgets have suspended or modified the program.

Local Property Tax Relief Opportunities in Middlesex and Union Counties

Beyond statewide programs, some towns and counties offer extra assistance.
For example:

• Middlesex County occasionally offers grants or reduced fees for seniors and disabled residents.

• Union County provides information sessions on property tax appeals and relief programs.

Your best first step? Contact your local tax assessor's office — they can explain additional town-specific programs you might qualify for.

Common Mistakes Homeowners Make (and How to Avoid Them)

Don't let simple errors cost you thousands. Here’s a quick checklist of what not to do:

• Don’t miss filing deadlines: Many deductions and programs require reapplication every year.

• Don’t assume relief is automatic: You must actively apply for most benefits.

• Don’t ignore your assessment notice: If your property value seems inflated, file a timely appeal.

Keeping these basics in mind can save you significant money and headaches later.

Tips to Maximize Your Property Tax Savings

Ready to squeeze every possible dollar out of your property tax bill? Here’s how:

• Stay organized: Keep complete, updated records of all tax payments and assessment notices.

• Review your property assessment yearly: A sudden spike could warrant a formal appeal.

• Schedule a yearly property tax review with a CPA: Professionals can spot overlooked deductions and assist with appeals.

Property tax planning isn’t a one-time task — making it part of your regular financial review can pay off big time.

In high-tax areas like East Brunswick and Cranford, smart property tax planning is essential for protecting your finances.
By understanding your options, meeting deadlines, and working with an experienced tax professional, you can lower your tax burden and keep more of your hard-earned money.

Saving thousands could be just one consultation away.
Contact TaxProCPA today and find out how much you could be saving on your New Jersey property taxes.