New Jersey property taxes by county
Across New Jersey, the median owner-occupied home pays $9,590 a year in real-estate taxes on a median home value of $454,400 — an effective property-tax rate of 2.110%. That ranks New Jersey #1 of 51 states and the District of Columbia (1 = highest). This page carries all 21 New Jersey county-equivalents in the Census data — 21 with a published effective rate — sortable by rate, taxes paid, home value, income, or five-year change. It also sets out how property tax actually works in New Jersey: how property is assessed, which exemptions exist and who qualifies, the deadline and body for an appeal, and the payment schedule and penalties — each hand-sourced from official New Jersey sources. Figures are U.S. Census Bureau ACS 2020-2024 5-year estimates.
- Effective tax rate
- 2.110%
- Median real-estate taxes
- $9,590 ± $25
- Median home value
- $454,400
- Median household income
- $103,556
- National rank
- #1 of 51
- County-equivalents
- 21
Median real-estate taxes ÷ median home value — a ratio of two independently-estimated medians, not a statutory (millage) rate.
How property tax varies across New Jersey
Across New Jersey's 21 county-equivalents with a published rate, the effective property-tax rate runs from 2.930% in Salem County down to 1.221% in Cape May County — a 2.4× spread inside a single state, which is why a statewide average tells a buyer very little.
The largest median real-estate tax bill in New Jersey is $10,001 in Passaic County, which ranks #10 of 21 by RATE — while the state's highest rate, 2.930%, is in Salem County, where the median bill is $7,018. Dollars and rate are different questions and rank counties differently.
Measured against the national median effective rate of 0.937%, 21 of New Jersey's 21 ranked counties sit above it and 0 below. New Jersey as a whole ranks #1 of 51 (1 = highest).
Median home value statewide is $454,400, but within New Jersey it ranges from $623,000 in Bergen County to $221,400 in Cumberland County — the denominator of the effective rate, and the main reason two counties with similar bills can show very different rates.
Statewide, the median real-estate tax bill equals about 9.3% of median household income. That share is heaviest in Essex County (12.4%) and lightest in Cape May County (5.8%).
Comparing the non-overlapping Census periods 2015–2019 and 2020–2024, median real-estate taxes rose by a statistically significant amount in 13 of New Jersey's 13 counties with a comparable trend, fell significantly in 0, and showed no statistically significant change in 0.
Estimate a New Jersey property tax bill
A median-based estimate, not a quote, an assessment, or a tax bill — it cannot know your assessed value, exemptions, or special districts. How this is computed.
Every New Jersey county
All 21 New Jersey county-equivalents in the Census data (21 with a published effective rate). Click a column heading to sort. Counties in bold have a full detail card further down this page — margins of error, nearby counties, and their five-year trend.
| Salem County | 2.930% | $7,018 | $7,091 | $6,904 | $239,500 | $79,960 | 8.8% | #1 | #2 | +21.5% |
|---|---|---|---|---|---|---|---|---|---|---|
| Camden County | 2.833% | $8,134 | $8,200 | $8,001 | $287,100 | $88,755 | 9.2% | #2 | #4 | +16.6% |
| Gloucester County | 2.595% | $8,055 | $8,228 | $7,734 | $310,400 | $105,115 | 7.7% | #3 | #8 | +15.6% |
| Mercer County | 2.359% | $8,909 | $9,074 | $8,613 | $377,700 | $100,645 | 8.8% | #4 | #27 | +13.3% |
| Warren County | 2.343% | $8,119 | $8,232 | $7,905 | $346,500 | $100,869 | 8.1% | #5 | #28 | +11% |
| Sussex County | 2.319% | $8,568 | $8,611 | $8,476 | $369,400 | $116,186 | 7.4% | #6 | #31 | +15% |
| Atlantic County | 2.297% | $6,776 | $6,887 | $6,603 | $295,000 | $78,050 | 8.7% | #7 | #32 | +8.6% |
| Cumberland County | 2.282% | $5,052 | $5,130 | $4,955 | $221,400 | $67,436 | 7.5% | #8 | #33 | +13.3% |
| Burlington County | 2.255% | $7,983 | $8,141 | $7,682 | $354,000 | $108,111 | 7.4% | #9 | #39 | +15.8% |
| Passaic County | 2.176% | $10,001 | $10,001 | $10,001 | $459,500 | $87,522 | 11.4% | #10 | #50 | — |
| Middlesex County | 2.098% | $9,712 | $9,769 | $9,604 | $462,900 | $111,549 | 8.7% | #11 | #64 | +16.4% |
| Hunterdon County | 1.934% | $10,001 | $10,001 | $10,001 | $517,200 | $141,715 | 7.1% | #12 | #105 | — |
| Essex County | 1.908% | $10,001 | $10,001 | $10,001 | $524,100 | $80,789 | 12.4% | #13 | #112 | — |
| Union County | 1.890% | $10,001 | $10,001 | $10,001 | $529,200 | $103,202 | 9.7% | #14 | #116 | — |
| Somerset County | 1.811% | $10,001 | $10,001 | $10,001 | $552,100 | $140,374 | 7.1% | #15 | #141 | — |
| Hudson County | 1.770% | $9,555 | $9,638 | $9,389 | $539,700 | $91,795 | 10.4% | #16 | #159 | +12.4% |
| Morris County | 1.717% | $10,001 | $10,001 | $10,001 | $582,500 | $137,326 | 7.3% | #17 | #186 | — |
| Monmouth County | 1.650% | $10,001 | $10,001 | $10,001 | $606,100 | $124,845 | 8.0% | #18 | #225 | — |
| Ocean County | 1.647% | $6,562 | $6,822 | $6,073 | $398,400 | $89,863 | 7.3% | #19 | #230 | +13.6% |
| Bergen County | 1.605% | $10,001 | $10,001 | $10,001 | $623,000 | $124,884 | 8.0% | #20 | #255 | — |
| Cape May County | 1.221% | $5,306 | $5,332 | $5,263 | $434,600 | $91,128 | 5.8% | #21 | #710 | +16.5% |
Data: U.S. Census Bureau, American Community Survey (ACS) 2020-2024 5-year estimates — tables B25103 (real-estate taxes), B25077 (home value), B19013 (household income) — and the 2024 Census county gazetteer. Public domain (Title 17 U.S.C. §105).
How property tax works in New Jersey
Most of what follows is New Jersey law and applies to every county in the table above. Where a rule is set locally rather than statewide, the jurisdiction whose published rule this is appears beside it — treat those as a worked example, not a statewide figure. Each fact is taken from an official government source and linked to it.
- How property is assessed
- October 1 of the pre-tax year is the annual assessment date. Once a revaluation is complete, all assessments in the municipality must be at 100% of true market value as of that date. Where assessments are not adjusted annually they deviate from 100%, and the Director's Ratio expresses the average assessment as a percent of true value for that municipality. source →
- Exemptions & credits
- ANCHOR offers property tax relief to residents who own or rent their main home in New Jersey and meet income limits, with the benefit based on residency, income and age. Seniors and Social Security or Railroad Retirement disability recipients file the combined Form PAS-1; others use Form ANC-1, auto-filed for most eligible filers. The deadline for the 2025 application is November 2, 2026. source →
- Appealing an assessment
- Appeals go to the County Board of Taxation and must be filed on or before April 1, or within 45 days of the bulk mailing of assessment notices, or by May 1 where a municipal revaluation or reassessment has been implemented. Burlington, Gloucester and Monmouth Counties use a January 15 deadline. The board must decide within three months of the filing deadline; the next step is the Tax Court. source →
- Payment schedule & penalties as published by the Borough of New Providence
- Bills are mailed once a year, usually in mid-July, and cover four quarterly installments due February 1, May 1, August 1 and November 1. Municipalities may allow a grace period of up to 10 days, the maximum state law permits. Under N.J.S.A. 54:4-64, failure to receive a tax bill does not affect the due date or the date interest begins to accrue. source →
- Why rates vary within the state
- The Division of Taxation states that property taxes are derived from the local municipal budget and cannot be appealed; only the assessment can. Because municipalities revalue at different times, the Director's Ratio differs by taxing district, and a common level range of plus or minus 15% around that ratio is used to test whether an individual assessment is fair. source →
- What makes this state's system distinctive
- Under the Freeze Act, the assessed value set at the time of a successful appeal is frozen for that assessment year and the following two years. The freeze breaks only if the property value changes after the assessment date, through an added assessment or a completed revaluation or reassessment in the district, or if the owner appeals the value again. source →
Hand-sourced from official government sources — not a substitute for your own assessor's notice, and not legal or tax advice. Where a fact isn't confirmed on an official source, it is left off rather than guessed, which is why some states show fewer rows than others.
Frequently asked questions
- What is the average property tax rate in New Jersey?
- Statewide, New Jersey's effective property-tax rate is 2.110% — the state median real-estate taxes ($9,590) divided by the state median home value ($454,400), from the Census ACS 2020-2024 5-year estimates. The national figure is about 0.937%, which puts New Jersey at #1 of 51 (1 = highest). Individual counties vary widely; the table above shows every one.
- Which New Jersey county has the highest property taxes?
- By effective rate, Salem County is highest in New Jersey at 2.930% (median bill $7,018), and Cape May County is lowest at 1.221% (median bill $5,306). Ranked by dollars paid rather than rate the order changes, because home values differ so much across the state — the table above shows both columns and sorts on either.
- What property tax exemptions are available in New Jersey?
- ANCHOR offers property tax relief to residents who own or rent their main home in New Jersey and meet income limits, with the benefit based on residency, income and age. Seniors and Social Security or Railroad Retirement disability recipients file the combined Form PAS-1; others use Form ANC-1, auto-filed for most eligible filers. The deadline for the 2025 application is November 2, 2026. Eligibility and filing are handled by your county assessor, and the exemption you qualify for changes your bill far more than the county you are in — the rates above are county medians and do not account for any exemption.
- How do I appeal a property tax assessment in New Jersey?
- Appeals go to the County Board of Taxation and must be filed on or before April 1, or within 45 days of the bulk mailing of assessment notices, or by May 1 where a municipal revaluation or reassessment has been implemented. Burlington, Gloucester and Monmouth Counties use a January 15 deadline. The board must decide within three months of the filing deadline; the next step is the Tax Court. Missing the deadline usually means waiting a full year, so check the date on your own assessment notice rather than relying on a general figure.
- When are property taxes due in New Jersey?
- Bills are mailed once a year, usually in mid-July, and cover four quarterly installments due February 1, May 1, August 1 and November 1. Municipalities may allow a grace period of up to 10 days, the maximum state law permits. Under N.J.S.A. 54:4-64, failure to receive a tax bill does not affect the due date or the date interest begins to accrue. If your taxes are paid through a mortgage escrow account, your servicer pays on this schedule on your behalf.
- How is property assessed in New Jersey?
- October 1 of the pre-tax year is the annual assessment date. Once a revaluation is complete, all assessments in the municipality must be at 100% of true market value as of that date. Where assessments are not adjusted annually they deviate from 100%, and the Director's Ratio expresses the average assessment as a percent of true value for that municipality. This is why an effective rate computed from market value — as every rate on this page is — will not match the millage rate printed on your bill: the two are applied to different bases.
Compare & explore
See the national highest and lowest property-tax rates, or read the methodology behind every figure. The national median effective rate is 0.937%; New Jersey's statewide figure is 2.110%.