Owning in New Jersey
Data from January 2026
Property tax in New Jersey
The typical owner in New Jersey pays $9,590 a year, about 2.11% of the home’s value (0.94% nationwide). Here are the exemptions and discounts the state publishes, the deadlines to claim them or appeal, and every county’s figure.
Key numbers in New Jersey
- Typical tax
- $9,590
- per year, typical household
- 207% more than the U.S.
- Effective rate
- 2.11%
- tax ÷ value (estimate)
- 124% more than the U.S.
- United States
- 0.94%
- national effective rate
- Exemptions and relief
- 4
- published by the state, with the source
The state's rules
New Jersey's rules, in one table
The assessment cap, the homestead exemption, when to protest and when to pay, as New Jersey's official source states them. Tap "What the source says" to read the exact text.
| Rule | What New Jersey says | Source |
|---|---|---|
| Homestead exemption | New Jersey does not take a fixed amount off your main home's value. Instead, homeowners (and renters) may get the ANCHOR benefit, a payment from the state. Many receive it with an auto-filed application; otherwise you file the property tax relief application (PAS-1 or ANC-1). What the source says“The Fiscal Year 2027 budget provides property tax relief benefits for the Senior Freeze, ANCHOR, and Stay NJ programs. … Most eligible filers will have their ANCHOR applications, Form ANC-1, auto-filed and will receive an ANCHOR Benefit Confirmation Letter in August 2026.” | New Jersey Division of Taxation Verified November 5, 2026 |
| Protest deadline One for the whole state | Any owner can appeal to the County Board of Taxation on Forms A-1 and A-1 Comp. Sale. The petition must be received by April 1, or May 1 if your municipality did a revaluation. In Burlington, Gloucester and Monmouth counties the deadline is Jan. 15. If you disagree with the decision, you have 45 days to go to the Tax Court. What the source says“Petitions to either the County Board of Taxation or the State Tax Court must be filed and received on or before April 1st. Where a municipal revaluation or reassessment has been undertaken, petitions must be filed and received by May 1st. … NOTE: Burlington , Gloucester , and Monmouth Counties follow an alternative assessment calendar and the tax appeal filing deadline is January 15.” | New Jersey Division of Taxation Verified November 5, 2026 |
Not verified yet: Cap on your home, Cap on other property, What triggers a new assessment, When to pay.
Did your assessment go up?By place
Every county, with its figure
What the typical owner pays in each county of New Jersey, with the typical home value and the effective rate. Highest tax first.
| Bergen County | $10,001 | $623,000 | 1.61% |
|---|---|---|---|
| Essex County | $10,001 | $524,100 | 1.91% |
| Hunterdon County | $10,001 | $517,200 | 1.93% |
| Monmouth County | $10,001 | $606,100 | 1.65% |
| Morris County | $10,001 | $582,500 | 1.72% |
| Passaic County | $10,001 | $459,500 | 2.18% |
| Somerset County | $10,001 | $552,100 | 1.81% |
| Union County | $10,001 | $529,200 | 1.89% |
| Middlesex County | $9,712 | $462,900 | 2.10% |
| Hudson County | $9,555 | $539,700 | 1.77% |
| Mercer County | $8,909 | $377,700 | 2.36% |
| Sussex County | $8,568 | $369,400 | 2.32% |
| Camden County | $8,134 | $287,100 | 2.83% |
| Warren County | $8,119 | $346,500 | 2.34% |
| Gloucester County | $8,055 | $310,400 | 2.60% |
| Burlington County | $7,983 | $354,000 | 2.26% |
| Salem County | $7,018 | $239,500 | 2.93% |
| Atlantic County | $6,776 | $295,000 | 2.30% |
| Ocean County | $6,562 | $398,400 | 1.65% |
| Cape May County | $5,306 | $434,600 | 1.22% |
| Cumberland County | $5,052 | $221,400 | 2.28% |
- Bergen $10,0011.61%
- Essex $10,0011.91%
- Hunterdon $10,0011.93%
- Monmouth $10,0011.65%
- Morris $10,0011.72%
- Passaic $10,0012.18%
- Somerset $10,0011.81%
- Union $10,0011.89%
- Middlesex $9,7122.10%
- Hudson $9,5551.77%
- Mercer $8,9092.36%
- Sussex $8,5682.32%
- Camden $8,1342.83%
- Warren $8,1192.34%
- Gloucester $8,0552.60%
- Burlington $7,9832.26%
- Salem $7,0182.93%
- Atlantic $6,7762.30%
- Ocean $6,5621.65%
- Cape May $5,3061.22%
- Cumberland $5,0522.28%
Effective rate: typical tax ÷ typical value, our estimate from two Census medians. Source: American Community Survey (ACS) 5-year estimates Average 2020–2024 American Community Survey (ACS) 5-year estimates (external site)
Exemptions
Which exemption fits you?
What New Jersey publishes for each case. You have to apply for almost all of them: none is applied on its own.
-
If it is your main home
New Jersey does not take a fixed amount off your main home's value. Instead, homeowners (and renters) may get the ANCHOR benefit, a payment from the state. Many receive it with an auto-filed application; otherwise you file the property tax relief application (PAS-1 or ANC-1).
What the source says
“The Fiscal Year 2027 budget provides property tax relief benefits for the Senior Freeze, ANCHOR, and Stay NJ programs. … Most eligible filers will have their ANCHOR applications, Form ANC-1, auto-filed and will receive an ANCHOR Benefit Confirmation Letter in August 2026.”
New Jersey Division of Taxation · Verified November 5, 2026
-
If you are an older owner
If you are 65 or older and have lived in New Jersey at least a year, you may get a $250 yearly deduction on your tax, within the income limits; your municipality runs it. The state also pays the Senior Freeze, ANCHOR and Stay NJ benefits to those who qualify, through the PAS-1 application.
What the source says
“If you are age 65 or older, or disabled, and have been a New Jersey resident for at least one year, you may be eligible for an annual $250 property tax deduction.”
New Jersey Division of Taxation · Verified November 5, 2026
-
If you have a disability
If you are disabled (with a Physician's Certificate or a Social Security document) and have lived in New Jersey at least a year, you may get the same $250 yearly deduction, within the income limits.
What the source says
“You must be age 65 or older, or disabled (with a Physician's Certificate or Social Security document) as of December 31 of the pretax year.”
New Jersey Division of Taxation · Verified November 5, 2026
-
If you are a veteran
Veterans may get a $250 tax deduction. If you were honorably discharged and became 100% permanently and totally disabled during active duty, your main home may be exempt from the tax.
What the source says
“If you are an honorably discharged veteran who was 100% permanently and totally disabled during active duty service, you may qualify for an annual property tax exemption on your principal or primary residence (main home).”
New Jersey Division of Taxation · Verified November 5, 2026
How it works
Where your bill comes from
The local government puts a value on your home, subtracts the exemptions you apply for and applies the rate of each body that taxes it: the county, the city, the school district and others.
- The value assigned to your home
- The exemptions you apply for
- The rates of each taxing body (county, city, schools)
- Your yearly bill
The effective rate on this page is something else: our estimate (typical tax ÷ typical value, from Census data) for comparing places. It is not the rate your local government sets.
Buying or selling
Taxes on the sale
Some states charge a tax or fee when the deed is recorded. What the official source says:
-
Realty Transfer Fee
When the deed is recorded, the state charges the seller a fee that steps up with the price; reduced rates apply to seniors 62 and older, blind or disabled persons and low- and moderate-income housing. Sales above $1 million add a graduated percentage fee, also owed by the seller.
N.J.S.A. 46:15-7 · New Jersey Division of Taxation · Verified October 15, 2026
Frequently asked questions
How much is property tax in New Jersey?
The typical owner pays $9,590 a year, about 2.11% of the home’s value, per the Census (Average 2020–2024). Nationwide the effective rate is 0.94%. Your bill depends on your county, city, school district and the exemptions you claim.
What is the deadline to protest the assessment in New Jersey?
Any owner can appeal to the County Board of Taxation on Forms A-1 and A-1 Comp. Sale. The petition must be received by April 1, or May 1 if your municipality did a revaluation. In Burlington, Gloucester and Monmouth counties the deadline is Jan. 15. If you disagree with the decision, you have 45 days to go to the Tax Court.
How do I apply for the homestead exemption in New Jersey?
New Jersey does not take a fixed amount off your main home's value. Instead, homeowners (and renters) may get the ANCHOR benefit, a payment from the state. Many receive it with an auto-filed application; otherwise you file the property tax relief application (PAS-1 or ANC-1).
Which county in New Jersey pays the most property tax?
By amount, the highest typical tax is in Bergen County ($10,001) and the lowest in Cumberland County ($5,052). By effective rate, the highest is Salem County (2.93%) and the lowest Cape May County (1.22%).
What is the effective rate?
The typical tax divided by the typical home value in the same place. It is our estimate from two Census medians, not the rate your local government sets; it is for comparing places.