Housing Assistance for Seniors in New Jersey
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Last updated:
If You Need Emergency Help
- Call 9-1-1 if you are in immediate danger.
- For shelter, eviction prevention screening, or help finding a safe place tonight: dial 2-1-1 or visit NJ 2-1-1.
- If you are at risk of homelessness, contact the New Jersey Department of Community Affairs’ screening tool: Check eligibility with DCAid.
- Domestic violence support and emergency shelter: New Jersey Domestic Violence Hotline 1-800-572-SAFE (7233).
- Veterans experiencing or at risk of homelessness: National Call Center for Homeless Veterans 1-877-424-3838 or learn about HUD-VASH vouchers.
- Elder support and referrals: NJ EASE (Aging & Disability Resource Connection) 1-877-222-3737.
Key Takeaways
- You have multiple paths to help: rental vouchers (Section 8 and NJ SRAP), affordable housing listings (NJ Housing Resource Center), property tax relief (Senior Freeze, ANCHOR, $250 deduction), utility help (LIHEAP, USF, Lifeline), and home repair programs (USDA Section 504, Weatherization, DCA lead-safe grants).
- Start with the official screening tools and directories to save time:
- Search affordable apartments: New Jersey Housing Resource Center (NJHRC)
- Screen for state programs: DCAid eligibility screener
- Apply for senior benefits (Lifeline, PAAD, more): NJSave
- Be prepared for waitlists. Many rental programs open and close lists; set alerts and apply to several housing authorities at once.
- New Jersey protects seniors against discrimination based on age, disability, and lawful source of income (including vouchers). If you face discrimination, contact the NJ Division on Civil Rights and/or HUD Fair Housing.
- If you own your home, explore property tax relief and repair/energy programs before considering a move.
What This Guide Covers (and How to Use It)
This is a practical, step-by-step hub for New Jersey seniors looking for housing help in 2026. It focuses on real programs, how they work, what to expect, and where to apply. Every claim includes a link to an official or well-established source.
Use the Quick Program Snapshot to find your likely options, then jump to sections for rental help, property taxes, utilities, repairs, long-term care, legal help, and inclusive resources for veterans, LGBTQ+ seniors, seniors with disabilities, rural and tribal communities.
Quick Program Snapshot (Start Here)
| Need | Program | What it covers | Who it helps | Where to apply/learn more |
|---|---|---|---|---|
| Find affordable rentals | NJ Housing Resource Center (NJHRC) | Search affordable and special-needs units statewide | Renters with limited income | Browse listings at NJHRC |
| Ongoing rent subsidy (private market) | Section 8 Housing Choice Voucher | Portion of rent paid based on income | Low-income seniors | About Section 8 • Find NJ housing authorities |
| State rent subsidy | State Rental Assistance Program (SRAP) | State-funded rent help like Section 8 | Low-income seniors; preferences may apply | SRAP overview and waitlist info (NJ DCA) |
| Eviction prevention | Homelessness Prevention Program (HPP) | One-time or short-term rent/utility arrears | At risk of eviction | HPP info (NJ DCA) • Screen via DCAid |
| Property tax relief (homeowners) | Senior Freeze (PTR), ANCHOR, $250 deduction | Refunds/credits and deductions | Eligible seniors meeting income/residency rules | Senior Freeze (PTR) • ANCHOR • $250 deduction |
| Utility bills | LIHEAP, USF, Lifeline, PAGE, WAP | Heating/cooling help, electric/gas discounts, energy fixes | Low-income seniors | LIHEAP (NJ DCA) • USF (NJ BPU) • Lifeline via NJSave • NJ SHARES • Weatherization (WAP) |
| Home repairs (owners) | USDA Section 504, Lead-Safe, WAP, local CDBG | Health/safety fixes, accessibility, lead abatement | Low-income homeowners 62+ and others | USDA 504 grants/loans • Lead-Safe grants (NJ DCA) • Weatherization |
| Long-term care support | Medicaid MLTSS, PACE, JACC | In-home help, assisted living services | Eligible older adults | MLTSS (NJ FamilyCare) • PACE in NJ • JACC |
| Legal help | LSNJ, CHLP, VLJ | Eviction/foreclosure defense, disability rights | Low-income seniors | Legal Services of NJ • Community Health Law Project • Volunteer Lawyers for Justice |
Note: Some links above go to an agency’s housing program page or directory when a dedicated subpage changes frequently. Use the agency search or DCAid screener when in doubt.
Finding and Applying for Affordable Rentals
Use New Jersey’s official apartment search
- Search for income-restricted apartments, senior housing, and accessible units at the New Jersey Housing Resource Center (NJHRC). You can filter by county, senior-only communities, and accessibility features.
Tips:
- Call properties directly to confirm current vacancies and waitlist length.
- Ask about “project-based Section 8” or “Section 202 Supportive Housing for the Elderly” units. These often have stable rents based on income. Learn more about HUD’s programs: Section 202.
Section 8 Housing Choice Vouchers (HCV)
- What it does: Pays a portion of your rent directly to the landlord. You find a unit that meets program rules.
- How to apply: Apply with local public housing authorities (PHAs). Each PHA has its own waitlist that opens/closes.
- Find PHAs and check waiting list status: HUD’s NJ PHA directory.
Reality check:
- Waitlists can be long. Apply to multiple PHAs across different counties.
- In New Jersey, landlords cannot refuse you just because you have a voucher (source-of-income is protected). If this happens, contact the NJ Division on Civil Rights.
New Jersey State Rental Assistance Program (SRAP)
- What it does: State-funded rental assistance similar to Section 8, administered by the Department of Community Affairs (DCA).
- How it works: SRAP opens to new applicants through periodic lotteries or waitlist openings; some preferences may apply (e.g., elderly, disabled, homeless).
- Where to check: See DCA’s Housing and Community Resources pages and announcements: SRAP info (NJ DCA). Also use the DCAid screener to check for current openings.
Eviction Prevention and Short-Term Help
- Homelessness Prevention Program (HPP): May offer one-time or short-term assistance with rent arrears or security deposits to stop an eviction. Start with DCAid or visit DCA’s housing programs at NJ DCA Housing & Community Resources.
- For county-level prevention funds and rapid rehousing, call 2-1-1 for coordinated entry in your area.
Other rental supports
- Family Self-Sufficiency (FSS): Helps voucher holders build savings and work toward financial goals. Ask your PHA or see HUD FSS program.
- HUD Resource Locator: Find public housing, subsidized apartments, and HUD offices: resources.hud.gov.
Property Tax Relief and Renters’ Rebates (Homeowners and Renters)
New Jersey offers several major relief programs. Always check for the current application window, forms, and income limits.
| Benefit | Who it helps | What you get | Where to learn/apply |
|---|---|---|---|
| Senior Freeze (Property Tax Reimbursement, PTR) | Homeowners 65+ or receiving certain disability benefits who meet income and residency rules | Reimbursement (a “freeze”) for the difference between base year and current year property taxes | Senior Freeze (PTR) – NJ Treasury |
| ANCHOR (Affordable NJ Communities for Homeowners and Renters) | Homeowners and renters meeting income/residency rules; special provisions for seniors may apply | Property tax credits/refunds (homeowners) or renter rebates | ANCHOR – NJ Treasury |
| $250 Senior/Disabled Property Tax Deduction | Eligible homeowners 65+ or disabled | Annual $250 deduction from property taxes | Property Tax Relief Programs – NJ Treasury |
| Veterans Deductions/Exemptions | Eligible veterans and surviving spouses | Annual deduction, and in some cases full exemption (for certain disabled veterans) | Veterans property tax deductions/exemptions – NJ Treasury |
Reality check:
- Application windows can close for the year. If you missed one, set a reminder for the next cycle and sign up for updates from NJ Treasury or your municipality.
- Keep tax bills, proof of age/disability, and residency documents handy. Many seniors qualify for more than one program.
Help with Energy and Utility Bills
Keep utilities on and reduce monthly costs by layering programs where allowed.
| Program | What it covers | Who it helps | Where to apply/learn |
|---|---|---|---|
| LIHEAP (Low-Income Home Energy Assistance Program) | Heating and sometimes cooling assistance; may help with arrears | Low-income households | LIHEAP – NJ DCA |
| USF (Universal Service Fund) & Fresh Start | Lowers monthly gas/electric bills and addresses past-due balances | Low/moderate-income utility customers | USF – NJ Board of Public Utilities |
| Lifeline Utility Assistance | Annual credit (typically $225) for electric/gas | Low-income seniors and people with disabilities | Apply via NJSave |
| PAGE (Payment Assistance for Gas & Electric) | Help with past-due utility bills | Households with moderate incomes who don’t qualify elsewhere | NJ SHARES / PAGE |
| Weatherization Assistance Program (WAP) | Free energy-saving repairs (insulation, sealing, heating system fixes) | Low-income households | WAP – NJ DCA |
| Comfort Partners (utility efficiency) | Energy education and efficiency upgrades | Income-eligible customers | Comfort Partners – NJ Clean Energy |
Tip: Use NJSave to apply for multiple senior benefits (Lifeline, PAAD, and others) with one application.
Home Repairs, Accessibility, and Safer Living (Homeowners)
Healthy, safe, and accessible homes reduce hospital visits and let you age in place.
| Program | What it does | Key details for seniors | Where to apply/learn |
|---|---|---|---|
| USDA Section 504 Home Repair (Loans & Grants) | Fix health/safety hazards, accessibility, essential repairs | Grants up to 10,000forhomeowners62+whocannotrepayaloan;loansupto10,000 for homeowners 62+ who cannot repay a loan; loans up to 40,000 at low interest in rural areas | USDA 504 Program |
| Weatherization Assistance Program (WAP) | Energy-saving upgrades like insulation and heating repairs | Free for eligible low-income homeowners/renters; reduces bills and improves comfort | WAP – NJ DCA |
| Lead-Safe Home Remediation Program (LSHRP) | Lead hazard control in older homes | Grants to remove lead risks; important for multigenerational homes | Lead-Safe – NJ DCA |
| Local CDBG/HOME-funded rehab programs | Critical repairs, accessibility modifications | Offered by many counties/municipalities; varies by location | Contact your county Office on Aging (see “Resources by Region”) or call 2-1-1 |
| Rebuilding Together & Habitat for Humanity | Volunteer-based critical home repairs, accessibility, ramps | Availability varies by county; waitlists common | Find your Rebuilding Together affiliate • Find Habitat affiliates in NJ |
| Blue Acres Buyout Program (flood-prone) | Voluntary buyouts in high-risk flood areas | For owners facing repeated flooding seeking safer housing | Blue Acres – NJ DEP |
Additional help:
- For small accessibility additions (grab bars, railings), ask your county’s Aging & Disability Resource Connection via NJ EASE at 1-877-222-3737 about local funding or contractors.
- After disasters, apply for FEMA Individual Assistance and, if needed, SBA disaster home loans.
Reality check:
- Funding is limited; apply early and expect inspections. Keep proof of ownership, income documents, and photos of issues.
Assisted Living, Nursing Homes, and Care at Home
Staying at home longer is possible with the right supports. If facility care is needed, know how to choose and pay for it.
- Medicaid Managed Long Term Services & Supports (MLTSS): For eligible older adults who need help with daily activities. Can support in-home care, assisted living services, or nursing home care. Learn about eligibility and services: MLTSS – NJ FamilyCare.
- Program of All-Inclusive Care for the Elderly (PACE): Combines medical care, therapies, adult day services, and more to help you live at home. See where PACE operates: PACE – NJ DoAS.
- Jersey Assistance for Community Caregiving (JACC): State-funded services for eligible seniors at risk of nursing home placement. Can include respite and home modifications. Details: JACC – NJ DoAS.
- Find licensed assisted living and long-term care facilities: Use the NJ Department of Health’s facility search and inspection reports: NJ DOH Facility Search.
Consumer protections:
- Long-Term Care Ombudsman: Independent help for residents of long-term care facilities (complaints, rights). Call 1-877-582-6995 or visit the NJ Long-Term Care Ombudsman.
- Compare care costs and options: See the long-term care cost estimates from well-known surveys like the Genworth Cost of Care Survey (for context; always verify current local rates): Genworth Cost of Care.
Reality check:
- Facility waitlists and admission requirements vary. If using Medicaid, confirm the facility accepts MLTSS. Request copies of resident agreements, rate sheets, and any add-on fees.
Eviction, Foreclosure, and Legal Help
- Eviction: Get legal advice quickly; deadlines are short.
- Foreclosure: Seek counseling and legal help early. Start with LSNJ and your county housing counseling agencies (ask 2-1-1 for HUD-approved counselors). If a disaster affected your income, also check FEMA.
- Fair Housing and Discrimination:
- NJ Law Against Discrimination (LAD) bans discrimination based on age, disability, source of lawful income (including vouchers), sexual orientation, gender identity, and more. File with the NJ Division on Civil Rights.
- You can also file federally with HUD Fair Housing.
Tip: If you have a disability, you can request “reasonable accommodation” from landlords or programs (for example, extra time to gather documents or an accessible unit transfer). See HUD’s guidance on reasonable accommodations.
Inclusive Support for Diverse Senior Communities
Veteran Seniors
- Housing vouchers and case management: HUD-VASH
- Short-term rental help and services to prevent homelessness: Supportive Services for Veteran Families (SSVF)
- State veterans benefits and housing resources: Contact the NJ Department of Military and Veterans Affairs via your local Veterans Service Office, and review property tax deductions/exemptions: Veterans property tax relief – NJ Treasury
- If you need immediate help, call 1-877-424-3838 (Homeless Veterans line).
LGBTQ+ Seniors
- You are protected under NJ LAD from discrimination in housing based on sexual orientation and gender identity. If you face bias, contact the NJ Division on Civil Rights.
- Talk with affirming providers and advocates: SAGE National LGBTQ+ Elder Hotline 1-877-360-LGBT (5428). Find local support through Garden State Equality.
Seniors with Disabilities
- Ask for reasonable accommodations when applying or while housed (e.g., alternative communication formats, accessible units, service animal policies). See HUD guidance.
- Connect with the Aging & Disability Resource Connection (ADRC) via NJ EASE at 1-877-222-3737 for in-home supports, home modifications, transportation, and benefits counseling.
Tribal and Native Seniors in New Jersey
- New Jersey does not have federally recognized tribes headquartered in-state; however, Native seniors who are members of federally recognized tribes (in or outside NJ) may access tribal housing programs through their tribe’s housing authority. Learn about federal tribal housing resources via HUD’s Office of Native American Programs (Eastern Woodlands).
- State-recognized Native communities (e.g., Nanticoke Lenni-Lenape, Ramapough Lenape) may offer community-based support; contact your tribal office and county ADRC for local resources.
Rural Seniors
- Many repair and accessibility funds prioritize rural communities. USDA Rural Development’s Section 504 Home Repair and local weatherization agencies are key.
- Transportation can be a barrier. Ask your county Office on Aging about paratransit and ride programs to get to housing offices and appointments.
Resources by Region (Where to Get Local Help)
Start with the statewide directory of County Offices on Aging & Disability Services: Find your County Office on Aging (NJ DoAS). They can connect you to local rent programs, home repair funds, and ADRC services.
Below are selected county links and major local housing authorities:
| County/City | Senior services (Aging/ADRC) | Local housing authorities and tools |
|---|---|---|
| Bergen County | Bergen County Division of Senior Services | HUD PHA contacts for NJ |
| Camden County | Camden County Office on Aging & Disabled | Camden Housing Authority (via HUD list) |
| Essex County (Newark) | Essex County Division of Senior Services | Newark Housing Authority |
| Hudson County (Jersey City) | Hudson County Dept. of Health & Human Services – Aging | Jersey City Housing Authority |
| Monmouth County | Monmouth County Division on Aging | PHA contacts (HUD) |
| Ocean County | Ocean County Office of Senior Services | PHA contacts (HUD) |
| Passaic County (Paterson) | Passaic County Department of Senior Services | Paterson Housing Authority |
| Somerset County | Somerset County Office on Aging & Disability Services | PHA contacts (HUD) |
| Union County (Elizabeth) | Union County Division on Aging | Elizabeth Housing Authority |
| Statewide | NJ EASE (ADRC) 1-877-222-3737 | NJ Housing Resource Center |
Note: For counties not listed in the table, use the state directory of county offices and the HUD PHA contact list.
How to Apply (and What to Expect)
- Use the DCAid screener and NJSave to quickly see which programs match your situation.
- Apply to multiple rental programs: several PHAs for Section 8, and check SRAP when it opens.
- Ask for reasonable accommodations if you need help with forms, deadlines, or communications.
- Keep copies of everything you submit. Respond quickly to any letters or emails.
Documents You May Need
| Document | Why it’s needed |
|---|---|
| Government-issued photo ID | Identity verification |
| Social Security card or number | Eligibility checks |
| Proof of income (Social Security award letter, pension, pay stubs) | Determines your eligibility and rent share |
| Recent tax return (if filed) | Verifies income |
| Bank statements | Confirms assets/income |
| Lease or property tax bill | Shows housing cost and address |
| Utility bills | For LIHEAP/USF, arrears help |
| Proof of age/disability (if applicable) | Eligible for senior/disability programs |
| Proof of residency (mail, ID, voter registration) | Confirms NJ/county residency |
Tip: If you can’t get a document, ask the agency for alternatives (for example, a benefits verification letter from Social Security can substitute for some items).
Reality Checks, Warnings, and Tips
- Beware of fake “application fees” for Section 8/SRAP. Legitimate programs do not charge you to apply. If in doubt, contact your PHA or DCA.
- Listings scams: Never send money for an apartment you haven’t seen. Use the NJHRC and known PHAs to avoid scams.
- Waitlists move. Even if you’re number 2,000 today, people drop off. Keep your contact info updated with every agency.
- Reapply annually: Programs like LIHEAP and property tax relief require new applications each cycle.
- Ask for help: County Offices on Aging, ADRC, and nonprofit legal providers exist to guide you.
Frequently Asked Questions (FAQs)
Q: What’s the fastest way to find an affordable apartment in New Jersey?
A: Start with the NJ Housing Resource Center to find income-restricted properties. Apply to multiple waitlists. If you need immediate help, call 2-1-1 for coordinated entry and prevention funds.
Q: How do I know when SRAP or Section 8 waitlists open?
A: Check your local PHA’s website regularly and sign up for email or text alerts. For SRAP, monitor NJ DCA announcements and try the DCAid screener.
Q: I’m a renter. Do I get property tax relief?
A: Yes, renters may qualify for the ANCHOR benefit (amounts and rules can change by year). See ANCHOR – NJ Treasury.
Q: Can I be denied an apartment because I have a Section 8 voucher?
A: No. In New Jersey, source-of-income discrimination (including vouchers) is illegal. Report violations to the NJ Division on Civil Rights and/or HUD Fair Housing.
Q: I own my home but struggle with taxes and upkeep. What should I try first?
A: Apply for Senior Freeze (PTR) and ANCHOR, then check LIHEAP/USF and Weatherization. For repairs, look at USDA Section 504 and local CDBG rehab programs via your county Office on Aging.
Q: Is there help to avoid a nursing home?
A: Yes. MLTSS, PACE, and JACC can support in-home care for eligible seniors.
Q: I’m a veteran. Where do I start for housing?
A: Call 1-877-424-3838 for immediate help and ask about HUD-VASH or SSVF. Also review NJ property tax relief for veterans: NJ Treasury – relief.
Q: Can someone help me fill out applications?
A: Yes. Call NJ EASE at 1-877-222-3737 to reach your county ADRC. They can connect you with staff who help with forms. You can also request a reasonable accommodation from any program.
Additional Resources (Official and Trusted)
- New Jersey Department of Community Affairs (DCA) – Housing Programs: DCA Housing & Community Resources
- DCA Application Screener: DCAid
- New Jersey Housing Resource Center: NJHRC
- Property Tax Relief for Seniors: Senior Freeze (PTR), ANCHOR, $250 deduction and veterans benefits
- Utilities and Energy:
- Rental and Vouchers:
- Veterans:
- Long-Term Care:
- MLTSS – NJ FamilyCare
- PACE – NJ DoAS
- JACC – NJ DoAS
- NJ Long-Term Care Ombudsman (1-877-582-6995)
- Legal:
- Fair Housing:
- Disaster and Repairs:
Disclaimer
Program rules, income limits, waitlists, funding levels, and application periods change. Always verify details directly with the agency or program. This guide provides general information and links to official sources; it is not legal or financial advice.
About This Guide
by the GrantsForSeniors.org Editorial Team
The GrantsForSeniors.org editorial team has been building benefit and assistance resources for seniors nationwide since 2020. We research programs across all 50 states by reviewing government websites, checking agency updates, and gathering information from available sources.
Our Commitment to You:
- Experience & Expertise: The information in this guide is compiled and reviewed by a team with experience in senior services and financial aid programs. We are committed to sharing our knowledge to help you find the support you need.
- Authority & Trust: We rely on verified sources, including government agencies, non-profit organizations, and official program websites, to ensure the accuracy of our content. Our goal is to be a trusted authority you can rely on for credible information.
- Clarity & Accessibility: We understand that seeking financial assistance can be challenging. This guide is designed to be clear and easy to understand, breaking down complex topics into actionable steps.
While we work hard to provide the most accurate information available, please note that program details and eligibility requirements can change. We recommend always checking with the official program source or agency website for the most current information, as we are not official agencies but rather compile available information.
- Last Updated: January 2026
- Sources Verified: January 2026
- Next Review: April 2026
If you find outdated information, discover new resources, or have questions, please contact us at info@grantsforseniors.org. We’re here to help seniors find resources that can make a real difference in their daily lives.
About the Authors