Passaic County, New Jersey, has one of the highest property tax rates in the state, with an average effective rate of 2.508%. Homeowners in the county face varying taxes depending on their municipality, including Paterson, Wayne, and Clifton. Using our Passaic County tax calculator, residents can easily estimate their annual property taxes based on assessed value and local rates, ensuring accurate planning for payments due quarterly throughout the year.
Passaic County Tax Estimator (2026 Rates)
Estimator uses 2026 Passaic County effective tax rates per $100 of assessed value, including county-wide rate.
Passaic County Property Tax Due Dates 2026
Property taxes in Passaic County, New Jersey, are due quarterly in 2026. Homeowners must pay by the first of February, May, August, and November to avoid interest or penalties.
| Quarter | Due Date |
|---|---|
| 1st Quarter | February 1 |
| 2nd Quarter | May 1 |
| 3rd Quarter | August 1 |
| 4th Quarter | November 1 |
Penalties for Late Payment
In Passaic County, a 10-day grace period applies after each due date. Late payments accrue interest at 8% per year on the first $1,500 and 18% on amounts over $1,500, retroactive to the due date. Delinquencies exceeding $10,000 may face a 6% end-of-year penalty, and postmarks are not accepted as proof of payment.
Important Notes for Passaic County Property Taxes
| Note | Details |
|---|---|
| Tax Sales | Unpaid taxes remaining in the 11th month of the fiscal year may be subject to tax sale. |
| Failed Payment | Not receiving a tax bill does not exempt you from paying taxes or interest. |
| Added Assessments | Bills for home improvements are mailed in October; due on Nov 1, Feb 1, and May 1. |
| Online Payments | Allow 7–10 days for bank processing to avoid late penalties. |
Passaic County Property Tax Calculator
Our Passaic County property tax calculator helps homeowners and business owners estimate annual taxes quickly. Simply input your property’s market value, select your municipality, property type, and any applicable credits to see your assessed tax.
How to Enter Appraised or Market Value
Start by entering your property’s appraised or market value, which represents the fair market price of your home or business. For example, a house valued at $100,000 will form the basis for your assessed value, which the county uses to calculate taxes. Accurate entry ensures precise estimates.
Choosing Municipality and Property Type
Select your municipality in Passaic County (e.g., Paterson, Wayne, Clifton) and the property type, such as Residential, Agricultural, Commercial, or Industrial. Tax rates vary by town and property classification, making this step essential to get your correct estimated tax.
Applying Credits and Homestead Exemptions
If eligible, apply the Owner-Occupancy Credit (2%) or Homestead exemptions. These credits reduce the assessed value before calculating taxes, lowering your overall tax bill. For instance, a $100,000 home with a 2% owner-occupancy credit reduces the taxable assessed value to $98,000.
Example Property Tax Calculation (Passaic County)
| Input Field | Example Value | Notes |
|---|---|---|
| Appraised / Market Value | $100,000 | Enter your property’s market value. |
| Municipality | Paterson | Tax rates vary by municipality. |
| Property Type | Residential | Can select Residential, Agricultural, Commercial, or Industrial. |
| Owner-Occupancy Credit | Apply (2%) | Reduces assessed value by 2% if owner-occupied. |
| Homestead Exemption | No | Optional credit if eligible. |
| Assessed Value | $98,000 | Market Value minus Owner-Occupancy Credit. |
| Estimated Tax | $2,457.84 | Assessed Value × Passaic County average rate 2.508% (0.02508). |
Calculation:
Assessed Value × Tax Rate = $98,000 × 0.02508 ≈ $2,457.84
Passaic County Property Tax Rates and Ratios (2025 vs 2024)/Payable in 2026
Passaic County property tax rates and equalization ratios vary by municipality and change yearly based on local budgets and assessments. The tables below show official 2025 and 2024 tax rates and ratios to help property owners compare trends and estimate taxes accurately.
Northern and Central Municipal Tax Rates
This table covers key northern and central Passaic County municipalities, highlighting changes in tax rates and assessment ratios between 2024 and 2025 for better year-over-year comparison.
| Municipality | 2025 Tax Rate | 2025 Ratio | 2024 Tax Rate | 2024 Ratio |
|---|---|---|---|---|
| Bloomingdale Borough | 4.718 | 59.25 | 4.587 | 62.34 |
| Clifton City | 6.129 | 36.09 | 5.936 | 38.64 |
| Haledon Borough | 5.428 | 51.19 | 5.280 | 55.36 |
| Hawthorne Borough | 3.144 | 73.91 | 3.042 | 80.00 |
| Little Falls Township | 3.496 | 62.24 | 3.332 | 70.66 |
Urban and High-Density Municipal Tax Rates
These municipalities include some of the most populated areas in Passaic County, where tax rates are influenced by school funding, municipal services, and infrastructure demands.
| Municipality | 2025 Tax Rate | 2025 Ratio | 2024 Tax Rate | 2024 Ratio |
|---|---|---|---|---|
| North Haledon Borough | 3.187 | 64.25 | 3.060 | 69.82 |
| Passaic City | 4.258 | 50.52 | 4.123 | 55.07 |
| Paterson City | 5.335 | 45.68 | 5.095 | 51.20 |
| Pompton Lakes Borough | 4.131 | 61.64 | 3.943 | 69.05 |
| Prospect Park Borough | 6.231 | 46.89 | 5.951 | 52.88 |
Suburban and Township Tax Rates
This table focuses on suburban boroughs and townships in Passaic County, where tax rates and ratios often reflect larger residential properties and different assessment standards.
| Municipality | 2025 Tax Rate | 2025 Ratio | 2024 Tax Rate | 2024 Ratio |
|---|---|---|---|---|
| Ringwood Borough | 4.259 | 61.69 | 4.163 | 66.22 |
| Totowa Borough | 2.934 | 51.67 | 2.711 | 61.45 |
| Wanaque Borough | 4.541 | 58.32 | 4.313 | 63.94 |
| Wayne Township | 5.998 | 37.66 | 5.946 | 37.91 |
| West Milford Township | 4.214 | 59.14 | 4.054 | 65.46 |
| Woodland Park Borough | 3.435 | 66.35 | 3.347 | 73.27 |
County Tax Rate (2025): 0.47207439
How These Passaic County Tax Rates Affect Your Property Tax Calculation
The Passaic County tax rates and ratios shown above directly impact how your property tax is calculated. Your municipality’s tax rate is applied to the assessed value of your property, while the ratio reflects how close assessments are to market value. When you use our Passaic County property tax calculator, selecting the correct municipality ensures accurate estimates based on the latest 2025 and 2024 data.
Passaic County Tax Rates and Ratios PDF (2024-2025)
This PDF provides a complete breakdown of Passaic County, New Jersey property tax rates and assessment ratios for 2025 and 2024. It covers all municipalities, helping homeowners, investors, and professionals compare tax trends, understand assessment ratios, and accurately estimate property taxes using official county-level data.
Conclusion
Understanding Passaic County property taxes is essential for accurate financial planning in 2026. With varying municipal tax rates, assessment ratios, due dates, and penalties, homeowners must stay informed. Using our Passaic County property tax calculator alongside official tax rate data helps residents estimate taxes correctly, apply eligible credits, avoid late fees, and make confident property-related decisions.
FAQs
What is the average property tax rate in Passaic County, New Jersey?
Passaic County has a high average effective property tax rate of around 2.508%, though actual rates vary significantly by municipality such as Paterson, Clifton, and Wayne.
When are property taxes due in Passaic County?
Property taxes in Passaic County are due quarterly on February 1, May 1, August 1, and November 1, with a standard 10-day grace period.
How does the Passaic County property tax calculator work?
The calculator estimates taxes by applying your municipality’s tax rate to the assessed value of your property after credits like owner-occupancy or homestead exemptions.
What happens if I miss a property tax payment?
Late payments incur interest after the grace period, charged retroactively to the due date, and large delinquencies may face additional penalties or tax sale action.
Do property tax rates differ by municipality in Passaic County?
Yes, each municipality in Passaic County sets its own tax rate based on local budgets, which is why tax amounts differ between towns even for similar property values.