Property tax by ZIP code in New Jersey
Enter a New Jersey ZIP and see the median property tax paid, median home value, and effective tax rate from the 2020–2024 American Community Survey — plus how it compares to the New Jersey state median.
Look up a New Jersey ZIP code
Enter a 5-digit New Jersey ZIP code above to see its property tax data.
ZIP doesn't have ACS data — typically because it's a PO-box-only ZIP, a single-business ZIP, or an area where the Census suppresses small-sample estimates. Try a nearby ZIP.
ZIP isn't a New Jersey ZIP code. This page covers NJ only. Other states are launching state by state — check back, or use our state-by-state median page in the meantime.
How New Jersey property tax works
New Jersey runs property tax through 564 municipalities — every city, township, and borough sets its own rate, hires its own assessor, and reassesses on its own schedule. Unlike Texas, there is no single county-level appraisal district, and the state has no homestead exemption that reduces taxable value the way most states do.
Instead, New Jersey delivers property tax relief through three rebate programs. ANCHOR is auto-filed for most homeowners and renters making under $250,000 / $150,000 — 2024 payments ranged $450–$1,500 with a $250 senior bonus. Senior Freeze freezes a senior homeowner's burden at the year they enrolled and reimburses subsequent increases. Stay NJ, the newest program, reimburses up to 50% of property tax for seniors 65+ up to a state-funded cap.
All 21 counties assess at 100% of true market value as of October 1 of the prior year. The standard appeal deadline is April 1 of the tax year (May 1 in revaluation years). Burlington, Gloucester, and Monmouth Counties operate on an alternate calendar.
New Jersey's median effective rate is 2.11% — the highest of any US state and more than double the 0.94% national median. The structural reason is heavy reliance on local property tax for school funding combined with high municipal service spending; NJ also levies a substantial state income tax, so property tax doesn't carry the full local-revenue load the way it does in no-income-tax states.
Why your actual bill differs
The numbers above describe a typical homeowner in this ZIP code — not your specific bill. Three things move bills away from the median:
- Municipal revaluation cycles vary. Some NJ municipalities revalue every 3–5 years; others go 10+ years between full revaluations. If your home was last assessed in a different market than your neighbor's, your tax may be meaningfully off the median in either direction. Equalization corrects some — but not all — of this drift.
- Taxing layers stack. Every NJ property tax bill folds together municipal, county, and school district levies plus any regional districts (fire, sewer, library) where they apply. Two ZIPs in the same county can have very different totals because their school districts levy differently.
- Rebate programs are post-tax. ANCHOR, Senior Freeze, and Stay NJ are reimbursements — they don't change what the assessor or tax collector charges, and they don't show up in median tax paid (the ACS measures gross of relief). If you qualify for these, your net cost is meaningfully lower than the median.
For your current-year bill, look up your property through the Association of County Tax Boards (NJACTB) search tool or your municipality's assessor / tax collector page.
Methodology
Source. US Census Bureau, American Community Survey 5-year estimates, 2020–2024 vintage (released December 11, 2025). The Census publishes this data at the ZCTA (ZIP Code Tabulation Area) level — its geography that approximates USPS ZIP service areas. ZCTAs and ZIP codes don't always match perfectly, but they cover the same territory in nearly all cases.
What "median" means. Half the owner-occupied homeowners in the area pay more, half pay less. Medians ignore outliers — a single high-value property doesn't pull the number up the way an average would.
Trailing data. ACS 5-year estimates aggregate five survey years to support reliable numbers at small geographies. The midpoint of 2020–2024 is roughly three years ago, so the figure reflects the typical homeowner over that period — not the most recent year. The next vintage (2021–2025) is expected December 2026.
Topcoding hits New Jersey hard. The Census topcodes property tax at $10,000 to protect respondent privacy. Because NJ's median property tax is the highest of any US state ($9,590), roughly 44% of NJ ZIPs in this dataset hit the $10,001 ceiling. For those ZIPs, the displayed effective rate is a floor — the actual rate is higher.
Owner-occupied only. Rentals and commercial property are excluded.
Comparison medians. The "vs. New Jersey state rate" and "vs. US national rate" values come from the ACS-published, population-weighted state-level (NJ: $9,590 on $454,400, 2.11%) and US-level ($3,119 on $332,700, 0.94%) medians — not computed from the per-ZIP medians on this page. Per-ZIP medians weight every ZIP equally regardless of population, which would bias the comparison toward suburban areas.
ZIP coverage. ZCTAs the Census suppresses for privacy or small-sample reasons are omitted. After filtering, this page covers 563 NJ ZIPs.
Frequently asked questions
Why is the median tax in my ZIP different from what I pay?
Median is the middle of the distribution, not your specific bill. Long-term homeowners in municipalities that haven't revalued recently often pay differently than recent buyers. Rebate programs (ANCHOR, Senior Freeze, Stay NJ) reduce your net cost without changing the gross figure the ACS measures.
Why does my ZIP show $10,001 as the median tax?
That's the Census topcode. To protect respondent privacy, ACS reports property tax responses above $10,000 as $10,001. Your ZIP's actual median is at least $10,000 — possibly meaningfully higher. Most affected ZIPs are in Bergen, Essex, Morris, Somerset, and parts of Hudson Counties, plus the Princeton corridor and the Jersey Shore — about 44% of all NJ ZIPs in this dataset.
Where do I find my actual New Jersey property tax bill?
Through your municipal assessor or tax collector. The Association of County Tax Boards (NJACTB) maintains a property record search across all 21 counties. The NJ Division of Taxation lists every county tax board for direct contact.
Am I eligible for ANCHOR, Senior Freeze, or Stay NJ?
ANCHOR is auto-filed for most NJ homeowners (gross income under $250,000) and renters (under $150,000) who occupied their main home in the state on October 1 of the tax year. Senior Freeze and Stay NJ have separate income/age requirements; seniors apply via the combined Form PAS-1. See the NJ Division of Taxation property tax relief page for the full eligibility rules.
When does NJ data update on this page?
Annually, in mid-December, when the Census Bureau releases the new ACS 5-year vintage. The next release (2021–2025) is expected December 2026.