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New Jersey Property Tax Calculator

New Jersey property tax calculator for 2026. NJ has the highest average property taxes in the US at approximately 2.2-2.5% effective rate. Average annual bill: over $9,800. Bergen County averages $13,000+. Rates are set by municipalities, counties, and school districts. Homestead benefit provides rebates for qualifying homeowners. STAR rebate for seniors.

Contexto de la Regla Regional

JurisdiccionUnited States
Moneda$ (USD)
Vigente desde1 ene 2025
Version1.0
Ultima revision1 mar 2026
Proxima revision1 jul 2026
Fuente: US Government Sources

United States Tasas y Reglas

Average Effective Rate2.35%

Highest in the US. Rates range from 1.8% to 3.5% by municipality

Rates by Area

Bergen County2.42%
Essex County2.72%
Camden County3.01%
Hunterdon County1.91%

Exemptions and Relief

  • -Homestead Benefit (property tax credit)
  • -Senior Freeze (reimburses increases for 65+)
  • -Veterans $250 deduction
  • -Disabled veteran full exemption

Ingresa valores

$USD
0%100%

Resultado

Ingresa los valores arriba y haz clic en Calcular para ver tu resultado.

Asistente IA

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Aviso: Aviso: Esta calculadora usa reglas publicas vigentes desde la fecha indicada. Los resultados son solo informativos. Verifique con fuentes oficiales. Ultima revision: 1 mar 2026.

Formula

Annual Tax=Home Value×Property Tax Rate100\text{Annual Tax} = \text{Home Value} \times \frac{\text{Property Tax Rate}}{100}

NJ property tax combines county, municipal, and school district levies into a single effective rate. Rates vary dramatically by municipality because each of New Jersey's 560+ municipalities and 600+ school districts sets its own budget and tax rate independently.

Preguntas Frecuentes

Why is New Jersey property tax the highest in the US?

NJ funds most public education through local property taxes (unlike states with more state-level education funding). Combined with high home values, strong public services, and 565 independent municipalities each setting their own rates, this drives the nation-highest average bills of over $9,800 per year.

What is the average NJ property tax rate?

The statewide average effective rate is approximately 2.2-2.5%. Bergen County averages ~2.4% ($13,000+ average bill). Essex County ~2.7%. Camden County ~3.0%. Some South Jersey counties are lower at 1.8-2.0%.

What is the NJ Homestead Benefit?

The Homestead Benefit program provides property tax credits (applied directly to the tax bill) for qualifying homeowners. Income limits and benefit amounts vary by year. Seniors, disabled, and lower-income homeowners receive larger benefits.

Is there a senior freeze program?

Yes. The Senior Freeze (Property Tax Reimbursement) program reimburses eligible seniors (65+) and disabled residents for property tax increases above their base year amount. Income limits apply (approximately $150,000 for married, $99,000 for single).

Can I appeal my NJ property assessment?

Yes. File an appeal with your county Tax Board by April 1 (January 15 in some counties). You must demonstrate your assessed value exceeds market value. Hire a local property tax attorney or appraiser for complex cases. NJ reassessment cycles vary by municipality.

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