Home›Property Tax›New Jersey›Bergen County
County tax profile · 2026 · Census ACS + IRS data

Property Tax & Income in Bergen County, New Jersey

Bergen County has an effective property tax rate of 1.60%. On the median home value of $623,000, that's roughly $10,001 per year. Median household income is $124,884.

Effective Property Tax Rate1
1.60%
median tax $10,001 ÷ median home $623,000
Median Home Value1
$623,000
owner-occupied
Median Household Income1
$124,884
per-capita $63,735
Est. Annual Tax on Median Home1
$10,001
at 1.60% effective rate

What you'll pay, at a glance

Property taxes are the largest local tax most homeowners pay. The effective rate measures the real tax bill as a share of home value — a more useful number than the nominal “mill rate,” because assessment practices vary county to county.

MetricBergen CountyNew Jersey (state context)
Effective property tax rate11.60%2.10%
Median home value1$623,000—
State income tax3top rate 10.75%top rate 10.75%
State sales tax36.60% combined6.60% combined

How this is calculated

The effective property tax rate is the median real-estate tax bill divided by the median home value — both for owner-occupied homes, from the U.S. Census Bureau's American Community Survey (ACS 5-year estimates)1. Median income is also from the ACS1. Federal and state income-tax figures use IRS2 and Tax Foundation3 data.

About Bergen County, NJ

Bergen County's effective property tax rate of 1.605% sits below New Jersey's statewide median of 2.098%, yet it still towers over the national figure of 0.794%. That gap says as much about New Jersey's overall tax climate as it does about Bergen County itself: ranking 20th of 21 counties means local homeowners pay less than nearly everyone else in the state, even while their bills dwarf what most Americans owe. On a median home value of $623,000, the median annual tax bill comes to $10,001. Households earning a median of $124,884 absorb that cost against per-capita income of $63,735. Communities such as Cliffside Park, Edgewater, and Fairview reflect the county's dense, high-value housing stock, where even a comparatively favorable in-state rate translates into five-figure tax obligations.

Frequently asked questions

What is the property tax rate in Bergen County, NJ?
The effective rate is 1.60% — meaning the median tax bill equals about 1.60% of the median home value.
How much are property taxes on a median home?
On the median home ($623,000), the estimated annual bill is about $10,001.
Is Bergen County's rate high or low?
Compare it to the state median of 2.10% and the national average near 1.1%.
How does the effective rate differ from my mill rate?
A mill rate is the nominal levy per $1,000 of assessed value. The effective rate reflects what you actually pay after exemptions and assessments — it's the median tax bill as a share of median home value, so it better predicts your real cost.
Will a reassessment raise my tax bill?
Not necessarily. If your home's assessed value rises, your bill can go up, but only if the mill rate and exemptions stay flat. Contact the Bergen County assessor's office to review your current assessment.
Can I appeal my property tax assessment?
Yes. Most counties allow an appeal when you believe the assessed value exceeds the market value. File with the Bergen County assessor within the local deadline, typically with comparable sales as evidence.
Sources
[1] U.S. Census Bureau — ACS 5-Year (2023) — Median home value (B25077), median real-estate taxes (B25103), median household income (B19013), per-capita income (B19301).
[2] IRS — Statistics of Income — County income, AGI, and real-estate taxes paid.
[3] Tax Foundation — State income, sales, corporate, and estate/inheritance tax rates.