What is the effective property tax rate in New Jersey?

New Jersey has an estimated effective property tax rate of 1.88% in this planning model.

Where can I compare county-level tax estimates in New Jersey?

Use the county/locality links on this page or open the property tax calculator filtered to New Jersey.

New Jersey Property Tax

New Jersey Property Tax Calculator (2026)

Estimate New Jersey property taxes, review the statewide effective rate, browse county pages, and connect tax costs to mortgage payment planning.

Estimated Effective State Rate

1.88%

Sample Annual Tax on $425,000 Home

$7,990

FHA State Tier

Mixed Standard + High-Cost County Tier

Counties Covered

Open New Jersey Estimate Tool View FHA Limit Context

New Jersey mortgage planning context

Updated for 2026 data cycle

Property tax + FHA tier in one page

County links for deeper local estimates

Reviewed by mortgage professional

FHA Limit Tier Context in New Jersey

State Tier Signal

Some counties follow standard FHA limits while higher-cost counties may qualify for elevated FHA limits.

FHA 1-Unit Floor

$541,287

FHA 1-Unit Ceiling

$1,249,125

What Homebuyers in New Jersey Should Know

Model property tax impact carefully when estimating monthly buying power.
Higher property tax environments can materially affect monthly payment planning.

In the current NMC dataset, New Jersey has an estimated effective property-tax rate of 1.88%, resulting in approximately $7,520 in annual property taxes on a $400,000 home.

New Jersey County and Locality Pages

Find your county

Highest property tax rates in New Jersey

Among counties currently in the NMC dataset for this state.

Lowest property tax rates in New Jersey

Among counties currently in the NMC dataset for this state.

Atlantic County

Estimated effective rate: 2.30%

Bergen County

Estimated effective rate: 1.61%

Burlington County

Estimated effective rate: 2.26%

Camden County

Estimated effective rate: 2.83%

Cape May County

Estimated effective rate: 1.22%

Cumberland County

Estimated effective rate: 2.28%

Essex County

Estimated effective rate: 1.91%

Gloucester County

Estimated effective rate: 2.60%

Hudson County

Estimated effective rate: 1.77%

Hunterdon County

Estimated effective rate: 1.93%

Mercer County

Estimated effective rate: 2.36%

Middlesex County

Estimated effective rate: 2.10%

Monmouth County

Estimated effective rate: 1.65%

Morris County

Estimated effective rate: 1.72%

Ocean County

Estimated effective rate: 1.65%

Passaic County

Estimated effective rate: 2.18%

Salem County

Estimated effective rate: 2.93%

Somerset County

Estimated effective rate: 1.81%

Sussex County

Estimated effective rate: 2.32%

Union County

Estimated effective rate: 1.89%

Warren County

Estimated effective rate: 2.34%

Related Planning Resources for New Jersey

New Jersey property tax estimate tool New Jersey FHA loan limit tier context Estimate monthly payment for your target price FHA program guide and qualification overview Compare FHA, conventional, and other loan options Get a personalized mortgage estimate

Need the National View?

Return to the national Property Tax Calculator to compare across states and scenarios.

Methodology and Data Sources

Tax Foundation Facts & Figures: Property Tax as Percent of Home Value - State-level effective property tax rates (Updated: 2026-02-19)
HUD/FHA Mortgagee Letter 2025-23 - 2026 FHA floor and high-cost ceiling frameworks (1-4 unit) (Updated: 2026-01-01)

Educational guidance only. Final loan terms and eligibility vary by county limits, credit, income, property profile, and lender guidelines.