New Jersey property tax by county
Across New Jersey's 21 counties, the typical (median) effective property-tax rate is 2.1% of a home's value. Rates vary widely by county, from 1.22% in Cape May County to 2.93% in Salem County. The full ranking is below; each county links to its own page. Figures are from the U.S. Census Bureau.
Property tax rate by county in New Jersey
| County | Effective rate | Median tax | Median home value |
|---|---|---|---|
| Salem County | 2.93% | $7,018 | $239,500 |
| Camden County | 2.83% | $8,134 | $287,100 |
| Gloucester County | 2.6% | $8,055 | $310,400 |
| Mercer County | 2.36% | $8,909 | $377,700 |
| Warren County | 2.34% | $8,119 | $346,500 |
| Sussex County | 2.32% | $8,568 | $369,400 |
| Atlantic County | 2.3% | $6,776 | $295,000 |
| Cumberland County | 2.28% | $5,052 | $221,400 |
| Burlington County | 2.26% | $7,983 | $354,000 |
| Passaic County | at least 2.18% | $10,000+ | $459,500 |
| Middlesex County | 2.1% | $9,712 | $462,900 |
| Hunterdon County | at least 1.93% | $10,000+ | $517,200 |
| Essex County | at least 1.91% | $10,000+ | $524,100 |
| Union County | at least 1.89% | $10,000+ | $529,200 |
| Somerset County | at least 1.81% | $10,000+ | $552,100 |
| Hudson County | 1.77% | $9,555 | $539,700 |
| Morris County | at least 1.72% | $10,000+ | $582,500 |
| Monmouth County | at least 1.65% | $10,000+ | $606,100 |
| Ocean County | 1.65% | $6,562 | $398,400 |
| Bergen County | at least 1.61% | $10,000+ | $623,000 |
| Cape May County | 1.22% | $5,306 | $434,600 |
Effective rate = median real estate taxes paid divided by median home value. Source: U.S. Census Bureau, American Community Survey 5-year estimates (2020-2024), tables B25103 and B25077.
Why county rates vary so much
Property tax is set locally, not by the state, so the rate depends on the county, city, school district, and special districts where a home sits, and on how those local budgets compare to local home values. A county with low home values can still have a high effective rate if its local budgets are large, and a wealthy county can have a low effective rate. The effective rate shown here is the median tax bill divided by the median home value, which is the standard way to compare places; your own bill depends on your assessment and any exemptions.
For New Jersey's income and retirement taxes, see New Jersey income tax and New Jersey retirement taxes.
How does New Jersey assess homes for property tax?
Property is assessed at true market value, and all 21 county boards have set the county assessment percentage at 100%. In practice each municipality has its own average ratio, so there is no single statewide figure. New Jersey mandates no fixed reassessment cycle; county boards order revaluations as needed.
Is there a homestead exemption in New Jersey?
ANCHOR is the main statewide benefit, open to homeowners with New Jersey gross income up to $250,000, and it replaced the old Homestead Benefit. The amount varies by income tier. Senior Freeze reimburses eligible seniors for increases above a base year, and Stay NJ is being phased in.
Other state relief for homeowners:
- Seniors and disabled owners: A $250 annual deduction for residents 65 and older or permanently and totally disabled, who own and occupy the home, with income up to $10,000 not counting Social Security. A surviving spouse 55 or older may keep it. Administered by your municipality on Form PTD.
- Disabled veterans: A $250 annual deduction for honorably discharged veterans and qualifying surviving spouses. Separately, a veteran who is 100% permanently and totally disabled from active service is fully exempt on their principal residence. The wartime-service requirement was removed in 2020.
- There is no separate owner-occupancy credit. Relief runs through ANCHOR, Senior Freeze and Stay NJ, plus the $250 senior and veteran deductions and the full disabled-veteran exemption.
New Jersey sets these rules and each county's property tax office applies them, which is where the application, the filing deadline and the form come from. Some counties add programs of their own; where we have checked a county, its page lists them.
When are property taxes due in New Jersey?
Quarterly installments due February 1, May 1, August 1 and November 1, usually with a 10-day grace period. Your municipal tax collector bills and collects.
New Jersey splits the bill into 4 installments. That is the state rule. Each county issues and collects its own bill, so the dates printed on your statement are the ones that bind you.
How do you appeal a property assessment in New Jersey?
You contest the assessed value with the County Board of Taxation, then the New Jersey Tax Court. The filing deadline is typically April 1 (May 1 after a revaluation). File Form A-1 with your County Board of Taxation by April 1, or May 1 if your town has just done a revaluation or reassessment. Assessments over $1,000,000 can go straight to the Tax Court.
New Jersey property-tax rules from primary state sources (revenue department and statute), reviewed September 7, 2026. Exemption amounts and credits change; confirm the current figures with your county assessor. Sources: assessment, exemptions, due dates, appeals.
Sources
- Median real estate taxes paid and median home value, all New Jersey counties: U.S. Census Bureau, American Community Survey 5-year estimates (2020-2024), tables B25103 and B25077.