Bergen County (New Jersey) property taxes are among the highest in the state, with an average effective tax rate of approximately 2.05% and a median annual bill around $10,025. Tax rates vary widely across municipalities, from under 1% in smaller boroughs to over 2.5% in towns like Glen Rock and Tenafly. Our Bergen County tax calculator helps homeowners estimate accurate property taxes based on current 2026 rates and local assessments.
Bergen County Tax Estimator (2024 Rates)
Estimator uses the detailed 2024 Bergen County municipality rates you provided.
Bergen County Property Tax Due Dates
Property taxes in Bergen County (New Jersey) are due quarterly on February 1, May 1, August 1, and November 1. Each payment has a 10-day grace period to avoid penalties.
| Quarter | Due Date | Grace Period Ends |
|---|---|---|
| Q1 | February 1 | February 11 |
| Q2 | May 1 | May 11 |
| Q3 | August 1 | August 11 |
| Q4 | November 1 | November 11 |
Penalties for Late Payment and Interest (2026)
If taxes are not paid within the 10-day grace period, Bergen County applies interest: 8% annually on the first $1,500 and 18% on any amount above $1,500. Additional year-end penalties may apply to balances over $10,000.
How Bergen County Property Tax Calculator Works
Our Bergen County property tax calculator estimates your 2026 property taxes based on the latest municipal rates. It considers the appraised market value, property type, and local municipal tax rates. The tool helps homeowners understand how assessed value, exemptions, and credits affect their annual tax bill, providing an easy, accurate calculation in seconds.
1. Determining Assessed Value
In Bergen County, property taxes are calculated on the assessed value, which is a percentage of your market value determined by the County Assessor. For example, a home with a $300,000 market value might have an assessed value of $150,000, which forms the basis for calculating municipal, school, and county taxes.
2. Applying Local Tax Rates
The calculator applies the municipality’s specific tax rates to the assessed value. Each town in Bergen County has different rates; for instance, Tenafly has a higher rate than Teterboro. The tool multiplies your assessed value by the combined tax rate to estimate your annual property tax.
3. Factoring Credits and Exemptions
Owner-occupancy and homestead credits are applied to reduce your tax liability. For example, a 2% owner-occupancy credit lowers the taxable amount for residents. Users select property type and applicable credits in the calculator to get a more accurate, personalized Bergen County property tax estimate.
Bergen County Property Tax Rates Districts Breakdown (2024 payable in 2026)
Bergen County municipalities have varied property tax rates, combining county, school, municipal, and other levies. Understanding each component helps homeowners accurately estimate taxes. The tables below break down rates for all 37 Bergen County districts, ensuring a clear view of effective and general tax rates.
General and Effective Tax Rates (Districts 1–13)
The first table shows Bergen County districts 1 to 13 with general and effective tax rates, helping residents compare municipal rates and estimate their annual property tax accurately.
| District | County Tax | Health/Service Tax | School Taxes | Municipal Tax | General Tax Rate | Effective Tax Rate |
|---|---|---|---|---|---|---|
| Allendale | 0.226 | - | 0.848 | 0.515 | 2.109 | 2.087 |
| Alpine | 0.231 | - | 0.384 | 0.203 | 0.818 | 0.789 |
| Bergenfield | 0.336 | - | 1.967 | 1.175 | 3.527 | 2.349 |
| Bogota | 0.212 | - | 1.341 | 0.742 | 2.324 | 2.463 |
| Carlstadt | 0.226 | - | 0.666 | 0.716 | 1.661 | 1.655 |
| Cliffside Park | 0.312 | - | 1.278 | 1.106 | 2.756 | 1.987 |
| Closter | 0.229 | - | 1.337 | 0.505 | 2.116 | 2.066 |
| Cresskill | 0.244 | - | 1.284 | 0.710 | 2.300 | 2.080 |
| Demarest | 0.321 | - | 2.005 | 0.659 | 3.057 | 2.122 |
| Dumont | 0.357 | - | 2.327 | 1.312 | 4.065 | 2.552 |
| Elmwood Park | 0.300 | - | 1.720 | 0.992 | 3.069 | 2.287 |
| East Rutherford | 0.228 | - | 0.936 | 0.412 | 1.621 | 1.592 |
| Edgewater | 0.233 | - | 0.732 | 0.589 | 1.589 | 1.545 |
General and Effective Tax Rates (Districts 14–25)
Districts 14–25 rates highlight key differences among Bergen County towns, helping homeowners identify areas with higher or lower tax obligations.
| District | County Tax | Health/Service Tax | School Taxes | Municipal Tax | General Tax Rate | Effective Tax Rate |
|---|---|---|---|---|---|---|
| Emerson | 0.296 | - | 1.992 | 0.971 | 3.303 | 2.489 |
| Englewood | 0.315 | - | 1.364 | 1.333 | 3.073 | 2.201 |
| Englewood Cliffs | 0.253 | - | 0.443 | 0.459 | 1.155 | 1.025 |
| Fair Lawn | 0.350 | - | 2.255 | 0.872 | 3.549 | 2.270 |
| Fairview | 0.244 | - | 0.954 | 1.065 | 2.313 | 2.118 |
| Fort Lee | 0.307 | - | 1.160 | 1.081 | 2.607 | 1.907 |
| Franklin Lakes | 0.272 | - | 0.702 | 0.279 | 1.796 | 1.471 |
| Garfield | 0.367 | - | 1.612 | 1.287 | 3.337 | 2.041 |
| Glen Rock | 0.289 | - | 2.226 | 0.713 | 3.288 | 2.543 |
| Hackensack | 0.249 | - | 1.373 | 1.374 | 3.056 | 2.752 |
| Harrington Park | 0.302 | - | 2.092 | 0.665 | 3.127 | 2.311 |
| Hasbrouck Heights | 0.224 | - | 1.502 | 0.785 | 2.555 | 2.545 |
| Haworth | 0.301 | - | 1.901 | 0.833 | 3.092 | 2.292 |
General and Effective Tax Rates (Districts 26–37)
The final table covers Bergen County districts 26–37, providing complete data for property tax planning and comparison across all municipalities.
| District | County Tax | Health/Service Tax | School Taxes | Municipal Tax | General Tax Rate | Effective Tax Rate |
|---|---|---|---|---|---|---|
| Hillsdale | 0.294 | - | 1.455 | 0.613 | 3.172 | 2.409 |
| Ho-Ho-Kus | 0.299 | - | 1.375 | 0.674 | 2.407 | 1.792 |
| Leonia | 0.352 | - | 1.938 | 1.051 | 3.409 | 2.160 |
| Little Ferry | 0.231 | - | 1.447 | 0.781 | 2.505 | 2.426 |
| Lodi | 0.367 | - | 1.955 | 0.959 | 3.352 | 2.028 |
| Lyndhurst | 0.223 | - | 1.001 | 0.818 | 2.086 | 2.087 |
| Mahwah | 0.298 | - | 1.207 | 0.486 | 2.064 | 1.549 |
| Maywood | 0.224 | - | 1.178 | 0.706 | 2.152 | 2.143 |
| Midland Park | 0.315 | - | 2.224 | 0.870 | 3.480 | 2.484 |
| Montvale | 0.274 | - | 0.888 | 0.599 | 2.515 | 2.042 |
| Moonachie | 0.229 | - | 0.831 | 0.757 | 1.828 | 1.789 |
Bergen County Property Tax Data PDF (2024–2026)
Download our Bergen County Property Tax PDF to access comprehensive municipal rate comparisons, effective tax trends, and key tax statistics. This resource supports homeowners, investors, and professionals analyzing tax burdens across municipalities and understanding calculation factors used within our Bergen County property tax calculator tool. This will be helpful for Property Tax Calculator.
Conclusion
Bergen County property taxes vary widely by municipality, effective tax rate, and assessed value, making accurate estimates essential for homeowners and investors. With an average effective rate near 2.05% and quarterly 2026 due dates, understanding local tax structures helps avoid penalties and manage budgets efficiently. Our Bergen County property tax calculator simplifies the process by combining municipal, school, and county rates, allowing users to estimate annual obligations, compare towns, and plan property expenses with greater financial confidence.
FAQs of Property Tax Calculator
What is the average property tax rate in Bergen County, NJ?
The average effective property tax rate in Bergen County is approximately 2.05%, though actual rates vary by municipality. High-value towns may have lower rates but higher bills, while others exceed 2.5% depending on local tax levies.
When are Bergen County property taxes due in 2026?
Property taxes are due quarterly on February 1, May 1, August 1, and November 1. Each payment includes a 10-day grace period. Payments received after the grace period are subject to interest penalties calculated from the original due date.
How are Bergen County property taxes calculated?
Taxes are calculated by multiplying the assessed property value by the combined municipal, school, and county tax rates. Municipal effective rates differ, so final tax amounts vary depending on property location and classification.
What happens if I pay Bergen County property taxes late?
Late payments incur interest of 8% annually on the first $1,500 and 18% on amounts above $1,500. An additional 6% penalty applies to balances exceeding $10,000 unpaid by December 31 of the tax year.
Can I estimate taxes before receiving my official bill?
Yes, homeowners can use a Bergen County property tax calculator to estimate annual taxes. By entering market value, municipality, and property type, users can approximate assessed values and projected tax obligations before official assessments are finalized.