Ocean County (New Jersey) Property Tax Calculator 2026

Ocean County (New Jersey) property taxes are generally lower than the state average, making it an attractive area for homeowners. With an effective tax rate of approximately 1.42% and a median annual property tax payment of $6,441, rates vary by municipality. For example, Ocean Township’s 2025 rate was $1.578 per $100 of assessed value. Our Ocean County tax calculator helps residents easily estimate taxes based on local rates and exemptions.

Ocean County Property Tax Due Dates 2026

In Ocean County, NJ, property taxes are due quarterly on February 1, May 1, August 1, and November 1. Payments have a 10-day grace period before penalties apply.

Quarter	Due Date	Grace Period Ends
Q1	February 1	February 10
Q2	May 1	May 10
Q3	August 1	August 10
Q4	November 1	November 10

Late Payment Penalties for 2026

Late property tax payments in Ocean County accrue interest from the 1st of the month, typically 8% on the first $1,500 and 18% thereafter. Delinquencies over $10,000 may face a 6% year-end penalty.

Ocean County Property Tax Calculator 2026

Our Ocean County property tax calculator helps homeowners and business owners estimate taxes quickly. Simply enter property value, select municipality and property type, and see assessed value and estimated taxes instantly.

How to Use the Calculator

Enter your property’s appraised or market value, select your municipality (e.g., Bass River Twp), and choose the property type. The calculator automatically applies local rates, helping you understand your estimated property taxes for 2026 in Ocean County.

Understanding Assessed Value

The calculator converts your market value into the assessed value, which is the figure used to determine taxes. For example, a $100,000 residential property may have an assessed value based on local assessment ratios, which the calculator uses to estimate your tax bill accurately.

Applying Credits and Exemptions

Eligible homeowners can apply credits like the 2% Owner-Occupancy Credit or Homestead Exemption. Our calculator factors in these adjustments automatically, giving you a more precise estimate of your total property tax due in Ocean County for 2026.

Example: Bass River Twp Property Tax Calculation

Step 1: Enter Property Value

• Appraised / Market Value: $100,000

Step 2: Select Municipality

• Municipality: Bass River Twp (Ocean County)
• 2026 Tax Rate Example: $1.45 per $100 assessed value

Step 3: Select Property Type

• Residential / Agricultural

Step 4: Calculate Assessed Value

• Assessed Value = Market Value × Assessment Ratio
• Assuming a 100% assessment ratio for simplicity: $100,000 × 100% = $100,000

Step 5: Apply Owner-Occupancy Credit (2%)

• Credit = $100,000 × 2% = $2,000
• Adjusted Assessed Value = $100,000 − $2,000 = $98,000

Step 6: Estimate Property Tax

• Tax = Adjusted Assessed Value × (Tax Rate ÷ 100)
• Tax = $98,000 × ($1.45 ÷ 100) = $1,421

Result:
A $100,000 residential property in Bass River Twp with owner-occupancy credit would pay approximately $1,421 in property taxes for 2026.

Ocean County General Tax Rates 2025 (Payable in 2026)

Ocean County, New Jersey, features varying property tax rates across its municipalities. Understanding these rates helps homeowners estimate their tax bills accurately. Our breakdown covers county, library, health, school, and other purpose rates for all districts in 2025.

Table 1: Barnegat to Harvey Cedars Tax Rates

These first five municipalities show how general tax rates differ based on local and county levies. Homeowners can compare rates to plan their annual payments.

District	County Rate	Library Rate	Health Rate	Open Space	School Rate	Purpose Rate	Total Tax Rate	Effective Rate
Barnegat	0.468	0.047	0.028	0.020	1.527	0.983	3.083	1.848
Barnegat Light	0.522	0.052	0.000	0.022	0.000	0.259	1.107	0.594
Bay Head	0.479	0.048	0.028	0.021	0.252	0.277	1.105	0.646
Beach Haven	0.523	0.000	0.000	0.022	0.099	0.413	1.426	0.765
Beachwood	0.499	0.050	0.030	0.021	1.474	1.113	3.187	1.789

Table 2: Berkeley to Pt. Pleasant Boro Tax Rates

Mid-county municipalities show a mix of revaluation (R) and reassessment (r) effects, influencing school and municipal rates.

District	County Rate	Library Rate	Health Rate	Open Space	School Rate	Purpose Rate	Total Tax Rate	Effective Rate
Berkeley	0.484	0.048	0.029	0.021	0.656	0.785	2.590	1.498
Brick	0.474	0.047	0.028	0.020	1.273	0.812	2.664	1.575
Toms River	0.349	0.035	0.021	0.015	0.000	0.437	1.902	1.523
Eagleswood	0.414	0.041	0.025	0.018	1.319	0.476	2.987	2.024
Harvey Cedars	0.474	0.047	0.000	0.020	0.000	0.307	1.112	0.658
Island Heights	0.427	0.043	0.025	0.018	0.718	0.569	2.234	1.469
Jackson (R)	0.266	0.027	0.016	0.011	0.782	0.254	1.386	1.458
Lacey	0.433	0.043	0.026	0.019	1.650	0.564	2.735	1.771
Lakehurst	0.309	0.031	0.019	0.013	0.687	1.238	2.297	2.083
Lakewood	0.500	0.050	0.030	0.021	1.026	0.835	2.462	1.378
Lavallette	0.459	0.046	0.027	0.020	0.182	0.280	1.014	0.619

Table 3: Little Egg Harbor to Tuckerton Tax Rates

The southern municipalities feature some of the highest and lowest effective tax rates, reflecting local school and municipal budgets.

District	County Rate	Library Rate	Health Rate	Open Space	School Rate	Purpose Rate	Total Tax Rate	Effective Rate
Little Egg Harbor	0.482	0.048	0.029	0.020	0.858	0.927	3.207	1.865
Long Beach	0.385	0.039	0.000	0.016	0.000	0.210	0.913	0.665
Manchester (r)	0.268	0.027	0.016	0.012	0.736	0.386	1.455	1.514
Mantoloking	0.481	0.048	0.029	0.020	0.016	0.318	0.912	0.531
Ocean	0.282	0.028	0.017	0.012	0.713	0.496	1.578	1.567
Ocean Gate	0.287	0.029	0.017	0.012	0.564	0.605	1.821	1.777
Pine Beach	0.332	0.033	0.020	0.014	0.000	0.649	2.028	1.714
Plumsted	0.452	0.045	0.027	0.020	2.255	0.331	3.150	1.953
Pt. Pleasant Boro	0.473	0.048	0.028	0.020	1.344	0.509	2.424	1.437
Pt. Pleasant Beach	0.462	0.046	0.027	0.020	0.754	0.484	1.803	1.095
Seaside Heights (r)	0.250	0.025	0.015	0.010	0.264	0.000	1.284	1.432
Seaside Park	0.449	0.045	0.027	0.019	0.050	0.000	1.735	1.083
Ship Bottom	0.496	0.050	0.000	0.021	0.000	0.010	1.241	0.702
S. Toms River	0.465	0.046	0.028	0.020	1.272	0.000	3.520	2.123
Stafford	0.502	0.050	0.030	0.021	0.820	0.962	2.623	1.465
Surf City	0.459	0.046	0.000	0.020	0.257	0.235	1.066	0.650
Tuckerton	0.458	0.046	0.027	0.020	0.907	0.973	3.201	1.958

Download Ocean County 2025 Tax Rates PDF

Get the complete Ocean County, New Jersey 2025 property tax rates in one convenient PDF. This file includes county, municipal, school, library, health, and open space rates for all municipalities, along with total and effective tax rates for accurate planning.

Conclusion

Understanding property taxes in Ocean County, New Jersey, helps homeowners plan and budget effectively. Rates vary by municipality, with county, school, library, and other levies affecting the total. Using our tax calculator, residents can estimate taxes accurately, apply applicable credits like the Owner-Occupancy or Homestead Exemption, and stay informed about due dates and penalties for 2026.

FAQs

What is the average property tax rate in Ocean County?

The effective tax rate in Ocean County is approximately 1.42%, though it varies by municipality and property type.

How can I calculate my property taxes in Ocean County?

You can use our Ocean County property tax calculator by entering your property’s market value, municipality, property type, and applicable credits.

When are Ocean County property taxes due?

Property taxes are due quarterly: February 1, May 1, August 1, and November 1, with a 10-day grace period for each payment.

Are there penalties for late payments?

Yes, late payments accrue interest 8% on the first $1,500 and 18% thereafter with a potential 6% year-end penalty on delinquencies over $10,000.

Can I apply credits to reduce my property taxes?

Eligible homeowners can apply the 2% Owner-Occupancy Credit and Homestead Exemption, which reduce the total assessed value and lower the final tax bill.