Bergen County NJ Property Taxes 2025
Average $12,007/year (2.73% effective rate). Compare all 70 towns. Lowest rate: Alpine 0.788%. Highest rate: Bogota 4.23%. Property taxes are a critical part of your monthly mortgage payment.
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Bergen County Property Tax Overview
How Property Taxes Impact Your Monthly Payment
Property taxes are typically the largest component of your monthly housing payment after the mortgage itself. On a $750,000 home in Bergen County with the average tax rate:
Lowest Property Tax Towns in Bergen County
Top 5 municipalities with the lowest effective tax rates
Rockleigh
Median Home: $1,500,000
Alpine
Median Home: $3,200,000
Tenafly
Median Home: $850,000
Englewood Cliffs
Median Home: $750,000
Cresskill
Median Home: $640,000
Highest Property Tax Towns in Bergen County
Top 5 municipalities with the highest effective tax rates
Bogota
Median Home: $415,000
Teterboro
Median Home: $425,000
Little Ferry
Median Home: $445,000
Wallington
Median Home: $425,000
Moonachie
Median Home: $380,000
How Bergen County Property Taxes Are Calculated
Understanding your property tax bill
Property Tax Formula:
Step 1: Property Assessment
Your town's tax assessor determines your home's assessed value. In NJ, this should be ~100% of market value, but assessments can lag behind market changes.
Step 2: Tax Rate Set
Your municipality sets the tax rate based on the local budget (schools, police, fire, municipal services) divided by total assessed value of all properties.
Step 3: Calculate Your Tax
Multiply your assessed value by the tax rate. Example: $750,000 home × 2.73% = $20,475/year or $1,706/month.
Use Our Property Tax Calculator →Need Help Understanding Property Taxes in Your Monthly Payment?
We calculate your total monthly payment (PITI) including property taxes, insurance, and mortgage. Get pre-approved and see your real Bergen County housing costs.
Jimmy Joseph MBA • NMLS 1577754 • jjoseph@cmghomeloans.com