New Jersey Property Tax Calculator
Estimate New Jersey property tax by county using the latest effective rates — compare counties and the 1.88% state average.
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How to use this calculator
- 1
Enter your home value.
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Choose your county, or the New Jersey state average.
- 3
If you know your own effective rate, enter it to override the selection.
- 4
Read the estimated annual and monthly property tax.
Frequently asked questions
What is the average property tax rate in New Jersey?
The average effective property tax rate on owner-occupied homes in New Jersey is 1.88%, which ranks 1 of 50 states from highest to lowest. The US average is 0.9%, so New Jersey is $980 higher per $100,000 of value; the median state is 0.79%.
How much is property tax on a $300,000 home in New Jersey?
At the 1.88% New Jersey average the estimate is $5,640 a year, or $470 a month. At the US average rate the same home would be $2,700, which is $2,940 less than the New Jersey estimate.
Which New Jersey county has the highest property tax rate?
Among the large counties listed here, Camden County has the highest effective rate at 3.08% and Bergen County the lowest at 1.69%. That is $12,300 against $6,744 a year on a $400,000 home.
How does New Jersey compare with the other big states on this site?
Of the eight largest state pages, New Jersey ranks 1st by effective rate. Illinois is highest at 1.88% and California lowest at 0.7%; New Jersey is at 1.88%.
How is property tax calculated in New Jersey?
New Jersey has the highest average effective property tax rate in the country, and its bills are driven mostly by local school and municipal levies. Rates vary widely between towns and counties.
Why can my real bill differ from this estimate?
Even within New Jersey, listed county rates run from 1.69% in Bergen County to 3.08% in Camden County, and city, school district, exemptions, assessment caps and reassessments change what you owe. The county numbers are medians, so a rate you work out from your own New Jersey bill will be closer.
Which New Jersey county is closest to the state average rate?
Hudson County, at 1.85% against the 1.88% state average. That is 0.03 percentage points below the New Jersey figure.
Why do some New Jersey counties show a median tax of $10,001?
6 of the 10 listed counties report $10,001, which appears to be a ceiling value in the source data rather than a measured median. In New Jersey, treat those rows with extra caution because their effective rates may be understated.
New Jersey property tax — 1.88% average effective rate
New Jersey at 1.88%: near the top of the state table
New Jersey's average effective property tax rate is 1.88%, which puts it first of 50 states when the table is sorted from highest to lowest (Illinois shares the same rate). New Jersey's rate is 2.09 times the 0.9% US average, or $980 more per $100,000 of value each year. Across the 50 states the median rate is 0.79%; New Jersey sits 1.09 percentage points above it, 0 percentage points under the highest (Illinois and New Jersey, 1.88%) and 1.59 percentage points over the lowest (Hawaii, 0.29%).
| Benchmark | Effective rate | Per $100,000 | On $300,000 |
|---|---|---|---|
| New Jersey average | 1.88% | $1,880 | $5,640 |
| US average | 0.9% | $900 | $2,700 |
| Median of 50 states | 0.79% | $790 | $2,370 |
| Highest (Illinois and New Jersey) | 1.88% | $1,880 | $5,640 |
| Lowest (Hawaii) | 0.29% | $290 | $870 |
10 large New Jersey counties, 1.69% to 3.08%
Camden County has the highest effective rate in the table at 3.08% and Bergen County the lowest at 1.69%, a gap of 1.39 percentage points. On a $400,000 home that is $12,300 a year in Camden against $6,744 in Bergen, a difference of $5,557. 5 of the 10 listed counties are above the 1.88% state average and 5 are at or below it; Hudson County (1.85%) is the closest to it. The county with the lowest median home value, Camden County at $262,200, ranks 1 of 10 by rate (3.08%). The priciest county, Bergen County ($593,200), has one of the lowest rates at 1.69%. 6 of the 10 median tax figures are shown as $10,001, which looks like a ceiling value in the survey rather than a measured median, so the rates for those counties may be understated.
| County | Median home value | Median property tax paid | Effective rate | Tax on $400,000 | Per month on $400,000 |
|---|---|---|---|---|---|
| Camden County | $262,200 | $8,063 | 3.08% | $12,300 | $1,025 |
| Passaic County | $439,400 | $10,001 | 2.28% | $9,104 | $759 |
| Middlesex County | $439,300 | $9,684 | 2.2% | $8,818 | $735 |
| Union County | $488,800 | $10,001 | 2.05% | $8,184 | $682 |
| Essex County | $494,400 | $10,001 | 2.02% | $8,092 | $674 |
| Hudson County | $508,600 | $9,413 | 1.85% | $7,403 | $617 |
| Morris County | $557,000 | $10,001 | 1.8% | $7,182 | $599 |
| Ocean County | $366,600 | $6,499 | 1.77% | $7,091 | $591 |
| Monmouth County | $566,500 | $10,001 | 1.77% | $7,062 | $588 |
| Bergen County | $593,200 | $10,001 | 1.69% | $6,744 | $562 |
What 1.88% means per $100,000 of New Jersey home value
At the New Jersey average every $100,000 of value carries about $1,880 of tax a year, or $157 a month. Using county rates the same $100,000 slice costs $1,686 in Bergen County and $3,075 in Camden County. Among the eight largest state pages, New Jersey is the highest, with Illinois at 1.88% and California at 0.7% as the two ends. Each $50,000 of value changes the New Jersey estimate by $940 a year.
New Jersey property tax at $150,000 to $750,000
Applying the 1.88% New Jersey rate, the estimate runs from $2,820 a year ($235 a month) on a $150,000 home to $14,100 a year ($1,175 a month) on a $750,000 home. A $500,000 New Jersey home comes to $9,400, or $783 a month if the tax is collected through escrow.
| Home value | Per year | Per month | Versus US average |
|---|---|---|---|
| $150,000 | $2,820 | $235 | +$1,470 per year per year |
| $300,000 | $5,640 | $470 | +$2,940 per year per year |
| $500,000 | $9,400 | $783 | +$4,900 per year per year |
| $750,000 | $14,100 | $1,175 | +$7,350 per year per year |
What the New Jersey estimate does and does not cover
This page multiplies a home value by an effective rate, so the New Jersey answer is an estimate from averages and 10 county medians, not a bill. Assessed value, exemptions, caps, local levies, assessment ratios and appeals decide a real bill and are not modelled; the $5,557 county gap on a $400,000 house shows how much local detail matters. If you know your New Jersey effective rate, enter it to override the selection. Rates are the Tax Foundation 2026 tables built from 2024 American Community Survey data, so they are only as current as that label, and your county assessor or tax collector sets the actual bill.
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Results are estimates for informational purposes only and do not constitute professional financial, medical, legal, or technical advice. Read full disclaimer →