If you live in New Jersey and need to file a federal tax return but don’t have a Social Security number, you need an ITIN. An Individual Taxpayer Identification Number lets you file taxes, open a bank account, and stay compliant with U.S. tax law — even if you’re not eligible for an SSN.

This guide walks you through the ITIN application process step by step, based on the latest IRS requirements for 2026.

What Is an ITIN?

An ITIN is a 9-digit number issued by the IRS to people who need a U.S. taxpayer identification number but are not eligible for a Social Security number. It starts with the number 9 and is formatted like an SSN (9XX-XX-XXXX).

Important: An ITIN does not give you work authorization or make you eligible for Social Security benefits. It is only for tax filing purposes.

Who Needs an ITIN?

You may need an ITIN if you fall into any of these categories:

• You are a nonresident alien who needs to file a U.S. tax return
• You are a U.S. resident alien filing a tax return based on days of presence
• You are the dependent or spouse of a U.S. citizen or resident alien
• You are the dependent or spouse of a nonresident alien visa holder
• You are a nonresident alien claiming a tax treaty benefit
• You are a nonresident alien student, professor, or researcher filing a return or claiming an exception

How to Apply for an ITIN: Step by Step

Step 1: Complete IRS Form W-7

Download Form W-7 (Application for IRS Individual Taxpayer Identification Number) from irs.gov. Fill it out completely. If you are applying for your spouse or dependents, each person needs their own separate Form W-7.

Step 2: Prepare Your Federal Tax Return

You must attach a completed federal income tax return to your W-7 application. Use Form 1040 (U.S. Individual Income Tax Return) or Form 1040-NR (U.S. Nonresident Alien Income Tax Return). The IRS will not process your ITIN application without a tax return unless you qualify for a specific exception.

Step 3: Gather Your Supporting Documents

The IRS accepts 13 documents to prove your identity and foreign status. The easiest option is a valid passport — a passport alone proves both identity and foreign status. If you don’t have a passport, you need to submit two documents from the IRS-approved list, such as:

• National identification card (must show photo, name, current address, date of birth, and expiration date)
• U.S. or foreign driver’s license
• Birth certificate (required for dependents under 18)
• Foreign voter registration card
• U.S. visa issued by the Department of State
• Civil birth certificate
• U.S. Citizenship and Immigration Services (USCIS) photo identification

You can submit original documents or certified copies from the issuing agency. The IRS does not accept notarized copies. If you mail original documents, the IRS will return them within 14 weeks.

Step 4: Choose How to Submit

You have three options to submit your ITIN application:

1. Mail it in — Send Form W-7, your tax return, and supporting documents to the IRS ITIN Operation in Austin, Texas. Address: Internal Revenue Service, ITIN Operation, P.O. Box 149342, Austin, TX 78714-9342.
2. Visit an IRS Taxpayer Assistance Center — Bring your documents in person. The IRS can verify your originals on the spot so you don’t have to mail them. The closest NJ locations include Newark and other major cities.
3. Use a Certifying Acceptance Agent (CAA) — A CAA is authorized by the IRS to verify your documents and submit your application for you. This is the easiest option because you don’t have to mail your passport or visit an IRS office. JRICKSS Financial Services can help you through this process.

How Long Does It Take to Get an ITIN?

The IRS says to allow 7 weeks for processing. During tax season (January 15 through April 30), it can take 9 to 11 weeks. If you apply from overseas, expect the longer timeline. You will receive a letter from the IRS with your ITIN once your application is approved.

Do ITINs Expire?

Yes. ITINs that have not been used on a federal tax return at least once in the last three years will expire. Also, ITINs with middle digits 70-88 that have already been renewed will continue to work. If your ITIN has expired, you need to renew it by submitting a new Form W-7 with your supporting documents. You do not need to attach a tax return for a renewal.

Common ITIN Application Mistakes to Avoid

• Forgetting to attach the tax return — The IRS will reject your application without it
• Sending notarized copies — The IRS only accepts originals or certified copies from the issuing agency
• Incomplete Form W-7 — Every field must be filled out correctly
• Not signing the form — Both the W-7 and the tax return need signatures
• Using an expired ITIN — If your ITIN expired, renew it before filing

ITIN Applications in New Jersey

New Jersey has a large immigrant population, and many NJ residents need ITINs to file both federal and state taxes. Once you have your ITIN, you can use it to file your NJ state tax return as well. New Jersey does not issue its own taxpayer ID number — the ITIN covers both federal and state filing.

If you live in NJ and need help with your ITIN application, working with a local tax professional who understands the process can save you time and avoid costly mistakes.

Need Help Applying for an ITIN?

JRICKSS Financial Services helps NJ residents apply for ITINs and file their taxes correctly. We work with immigrants every day and know the process inside and out. Whether you need a new ITIN or need to renew an expired one, we can guide you through every step.

Book a free consultation today — call JRICKSS Financial Services or visit jrickssfinancialservices.com/book to schedule your appointment.