New Jersey Property Tax Rates by County
New Jersey homeowners pay a median $9,590 a year in property tax, an effective rate of 2.11% on a median home value of $454,400 — 125% higher than the national median of 0.94%, and the 1st highest of the 50 states and D.C.
Property tax rates across New Jersey
Property tax in every New Jersey county
Median effective rate = median real estate taxes paid ÷ median home value (Census ACS 2020-2024). Click a column to sort.
| County | Effective rate | Median tax | Median home value | Share of income | Owner homes |
|---|---|---|---|---|---|
| Salem County | 2.93% | $7,018 | $239,500 | 7.1% | 17,635 |
| Camden County | 2.83% | $8,134 | $287,100 | 7.1% | 131,032 |
| Gloucester County | 2.60% | $8,055 | $310,400 | 6.7% | 90,175 |
| Mercer County | 2.36% | $8,909 | $377,700 | 6.8% | 89,569 |
| Warren County | 2.34% | $8,119 | $346,500 | 7.0% | 34,072 |
| Sussex County | 2.32% | $8,568 | $369,400 | 6.7% | 48,366 |
| Atlantic County | 2.30% | $6,776 | $295,000 | 7.0% | 75,281 |
| Cumberland County | 2.28% | $5,052 | $221,400 | 5.8% | 35,782 |
| Burlington County | 2.25% | $7,983 | $354,000 | 6.4% | 134,924 |
| Passaic County | 2.18% | $10,001 | $459,500 | 7.7% | 94,970 |
| Middlesex County | 2.10% | $9,712 | $462,900 | 7.0% | 195,888 |
| Hunterdon County | 1.93% | $10,001 | $517,200 | 6.2% | 43,302 |
| Essex County | 1.91% | $10,001 | $524,100 | 6.8% | 143,579 |
| Union County | 1.89% | $10,001 | $529,200 | 6.7% | 116,605 |
| Somerset County | 1.81% | $10,001 | $552,100 | 5.9% | 97,187 |
| Hudson County | 1.77% | $9,555 | $539,700 | 7.0% | 92,074 |
| Morris County | 1.72% | $10,001 | $582,500 | 6.1% | 143,562 |
| Monmouth County | 1.65% | $10,001 | $606,100 | 6.6% | 190,173 |
| Ocean County | 1.65% | $6,562 | $398,400 | 6.5% | 196,874 |
| Bergen County | 1.60% | $10,001 | $623,000 | 6.2% | 232,025 |
| Cape May County | 1.22% | $5,306 | $434,600 | 5.2% | 36,053 |
Highest and lowest
Rates are highest in Salem County (2.93%), Camden County (2.83%) and Gloucester County (2.60%) and lowest in Cape May County (1.22%), Bergen County (1.60%) and Ocean County (1.65%). In the largest counties — Bergen County (1.60%), Middlesex County (2.10%), Essex County (1.91%), Hudson County (1.77%), Ocean County (1.65%) — the median bill ranges from $6,562 to $10,001.
Property tax and income in New Jersey
The median bill takes 7.2% of the median owner household's income in New Jersey, against 3.1% nationally. Among counties with at least 2,000 owner-occupied homes, the burden is heaviest in Passaic County (7.7%), Camden County (7.1%), Salem County (7.1%).
New Jersey property tax estimate
Property tax at different home values in New Jersey
| Home value | Estimated annual tax | Monthly (estimated annual tax) |
|---|---|---|
| $250,000 | $5,275 | $440 |
| $300,000 | $6,330 | $528 |
| $400,000 | $8,440 | $703 |
| $500,000 | $10,550 | $879 |
| $750,000 | $15,825 | $1,319 |
| $1,000,000 | $21,100 | $1,758 |
| $1,500,000 | $31,650 | $2,638 |
Based on the median effective rate in New Jersey (2.11%).
How property tax works in New Jersey
- Who sets the value:each municipality's tax assessor values property as of October 1 of the prior year. Between revaluations assessed values drift from market value, so the state publishes an equalization ratio for every town.
- Who sets the rate:the county, school district and municipality each set a budget; the town combines them into one general tax rate per $100 of assessed value.
- Relief programs:ANCHOR pays homeowners with income up to $250,000 a benefit of $1,000–$1,500 (plus $250 for those 65 or older). Senior Freeze reimburses increases for eligible owners 65+ or disabled, and Stay NJ reimburses owners 65+ part of their bill. One combined application covers all three.
- Deductions:$250 a year for owners 65+ or disabled with low income, $250 for eligible veterans, and a full exemption for 100% disabled veterans.
- When it's due:in four quarterly installments: February 1, May 1, August 1 and November 1. Towns may allow a grace period of up to 10 days.
Key property tax dates in New Jersey
- October 1Property is valued as of this date for the following tax year.
- February 1First-quarter taxes are due (then May 1, August 1 and November 1).
- Late winterAssessment notices (postcards) are mailed.
- April 1Appeal deadline (May 1 after a revaluation, or 45 days after notices, if later).
- SummerFinal tax rates are certified and the third-quarter bill reflects the new year's taxes.
Statewide deadlines; if a deadline falls on a weekend or holiday it moves to the next business day. Check the county office for local hearing dates.
How to lower your property tax in New Jersey
- File the combined ANCHOR / Senior Freeze / Stay NJ application — it is the largest source of relief for most homeowners. Check the Division of Taxation for the current filing deadline.
- Compare your assessment with the equalization ratio. Divide your assessed value by the town's ratio to estimate what the assessor thinks your home is worth; if that is well above recent sales, you have grounds to appeal.
- Appeal by April 1 (May 1 in a town that just revalued, or 45 days after assessment notices are mailed, if later) to the county board of taxation. The appeal must arrive by the deadline.
- Claim the $250 senior, disabled or veteran deduction with the municipal assessor if you qualify.
Frequently asked questions
What is the average property tax in New Jersey?
The median homeowner in New Jersey pays $9,590 a year, 2.11% of a median home value of $454,400 and about 7.2% of the median owner household income of $133,477.
Which New Jersey county has the highest property tax rate?
Salem County (2.93%), followed by Camden County (2.83%) and Gloucester County (2.60%), by median effective rate.
Which New Jersey county has the lowest property tax rate?
Cape May County (1.22%), followed by Bergen County (1.60%) and Ocean County (1.65%).
How much is property tax on a $300,000 home in New Jersey?
At the statewide median effective rate of 2.11%, about $6,330 a year ($528 a month). Depending on the county it ranges from $3,663 to $8,790.
Sources
- U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (tables B25103, B25077, B25003).
- Methodology