New Jersey property tax by county

Same home, different county

On a $434,600 home (the typical county median in New Jersey), the annual property tax bill depends heavily on where you buy:

Estimate: purchase price × each county's effective rate. Actual bills depend on assessed value, local levies, and exemptions.

Lowest property tax rates in New Jersey

The five New Jersey counties with the lowest effective property tax rates, useful for buyers comparing total cost of ownership across the state.

Highest property tax rates in New Jersey

The five New Jerseycounties with the highest effective property tax rates. High rates often reflect strong school district funding or municipal services rather than weakness, but they materially change a buyer's monthly carrying cost.

New Jersey real estate transfer tax

New Jersey charges a combined transfer tax of about 0.78% of the purchase price. On a $434,600 home, that is roughly $3,390 in total.

Graduated Realty Transfer Fee, seller-paid: approximately $2.00–$6.05 per $500 depending on price tier (≈0.78% effective at median ~$400k). Effective July 10, 2025, the former 'Mansion Tax' on sales over $1M shifted from buyer to seller with new rates: 1% ($1M–$2M), 2% ($2M–$2.5M), 2.5% ($2.5M–$3M), 3% ($3M–$3.5M), 3.5% (over $3.5M).

New Jersey is an attorney-closing state: expect a real estate attorney fee of roughly $600–$1,500 at closing.

Official New Jersey source → · Verified April 2026

Closing costs in New Jersey

Across New Jersey's 21 counties, buyer closing costs run $4,755 to $14,317 at each county's median home value with 20% down. Cash needed at closing, with closing costs and the down payment, runs $49,035 to $138,917. Pick your county for your own figures.