What is the property tax rate in Camden County?

The combined effective property tax rate in Camden County, New Jersey is approximately 3.08%.

Camden County Property Tax Calculator (2026) — New Jersey Property Tax Almanac

Property Tax in Camden County, 2026

A calculator and field guide for Camden-area homeowners — and for anyone considering a move to Camden County — including New Jersey's General Tax Rate per $100 of assessed value, the high effective rates that produce the nation's largest property tax bills, the substantial intra-county variation between municipalities, and the Senior Freeze (PTR) reimbursement program for income-qualified 65+ homeowners.

Camden County, home to Camden and 523k New Jerseyans, operates within New Jersey's notoriously high property tax system. NJ has the highest effective property tax rate in the United States (approximately 2.23% statewide), and 10 of the 26 US counties with average single-family bills exceeding $10,000 are in New Jersey. Within Camden County, individual municipalities can vary substantially in rate — strategic municipality selection is critical for relocation buyers.

How the bill is built

New Jersey's calculation is municipality-driven. Step 1: Assessed Value. Most NJ municipalities assess at "true value" (~100% market) but some assess at lower percentages, with the Equalization Ratio bridging stated AV and market. Step 2: General Tax Rate. The municipality publishes a General Tax Rate per $100 of assessed value, combining county, municipal, and school district levies. For the Camden County average, this is approximately $3.95 per $100 AV. Step 3: Effective Rate. NJ Treasury also publishes an Effective Tax Rate = General Tax Rate × Equalization Ratio. This is the most apples-to-apples figure for relocation comparisons. Camden County's average effective rate is approximately 3.08%.

Intra-county variation is dramatic. Camden County's average effective rate is 3.08%, but individual municipalities within the county can range from substantially lower (industrial-only or commercial-heavy boroughs) to substantially higher (older inner-ring suburbs with high school spending). Strategic municipality selection within the same general area can change a buyer's annual tax bill by $3,000-$10,000+ on similar-priced homes.

Senior Freeze (PTR) reimburses tax growth above a base year for income-qualified 65+ homeowners — income limit ~$163,050 for 2024 (one of the most generous senior programs in the country in income terms). The program reimburses the difference between current bill and the bill in your "base year" (typically the year you turned 65 or first qualified). Combined with the ANCHOR direct rebate program ($1,000-$1,750 for income-qualified homeowners), New Jersey retirees can offset substantial annual property tax even though the underlying rates remain the highest in the nation.

100% disabled veterans receive full exemption. Given NJ's very high underlying rates, this is among the most valuable property tax benefits in the United States. File Form V.S.S. with your municipal assessor with VA documentation. Surviving spouses retain the exemption under specific conditions.

2026 Camden County rate breakdown (avg general tax rate per $100 of assessed value, Camden district)

Taxing entity	Rate
Camden County avg general tax rate (per $100 AV)	3.9500
Combined total	3.9500

As of April 26, 2026 · From Camden County Board of Taxation.

Note: Camden County is part of the Philadelphia metropolitan area — Camden city sits directly across the Delaware River from Philadelphia and has historically been a significant industrial center (Campbell's Soup, the RCA Victor "Nipper" recording label, the original Holiday Inn). Beyond Camden, the county includes the wealthy suburbs of Cherry Hill, Voorhees, and Haddonfield.

Note: Camden County has one of the **highest effective property tax rates in the United States** at approximately 3.08% — the third-highest US county effective rate per Tax Foundation 2023 data. The high rate is driven by relatively low median home values ($262,200) combined with substantial school and county millage. On absolute-dollar basis the median bill ($8,063) is still substantial despite the lower-than-North-Jersey home values.

Note: Within Camden, the rate spread is dramatic: Tavistock (an unincorporated golf-course community of ~5 households) has an effective rate near 0.88%, while the city of Camden proper exceeds 4%. Cherry Hill and Voorhees (the affluent eastern suburbs) sit at moderate-to-high 2.5-3% rates.

Deductions, exemptions, and senior programs for 2026

New Jersey's underlying property tax rates are the highest in the nation, but the state offers several substantial relief programs — particularly for seniors and disabled veterans. Most are filed annually through different forms and agencies.

Senior Freeze (Property Tax Reimbursement)

The Senior Freeze ("PTR") reimburses property tax growth above a base year for income-qualified homeowners 65+ or disabled. Income limit is approximately $163,050 for 2024 — among the most generous senior program income limits in the country. The program reimburses the difference between current bill and your "base year" bill (typically the year you turned 65 or first qualified). You continue paying the full bill to your municipality but receive a state reimbursement check. File Form PTR-1 (first-time) or PTR-2 (subsequent years) with the New Jersey Division of Taxation.

ANCHOR (Affordable NJ Communities for Homeowners and Renters)

ANCHOR replaced the older Homestead Benefit program in 2022. Eligible homeowners receive a direct rebate: $1,500 for households earning under $150,000, $1,000 for households earning $150,000-$250,000. Senior homeowners (65+) receive an additional $250. ANCHOR is filed annually with the NJ Division of Taxation, typically with a fall deadline.

$250 Veteran and Senior Deductions

Honorably-discharged veterans (any rating, any age) receive a $250 annual deduction. Senior homeowners 65+ or disabled receive a separate $250 annual deduction. These are filed with your municipal tax assessor (form V.S.S.-Q for veterans, P.T.D. for seniors).

100% Disabled Veterans — Full Exemption

Veterans with 100% service-connected total/permanent disability receive full property tax exemption — among the most valuable property tax benefits in the United States given NJ's very high underlying rates. File Form V.S.S. with your municipal assessor with VA documentation. Surviving spouses retain the exemption under specific conditions.

Appealing your assessment

New Jersey's appeal deadline is April 1 in most counties (Monmouth has alternative timing under the Assessment Demonstration Program). Appeals are filed with the Camden County Board of Taxation. NJ uses a 15% "common level range" rule — your assessment must be more than 15% higher than the county equalization ratio applied to your true market value to qualify for adjustment, providing a buffer that protects assessors from minor disputes. Strong appeals require comparable sales data within the prior 12 months. Tax appeal data shows 10-25% reductions are common when supported by quality comps.

Cities and towns in Camden County

Camden County contains 9 incorporated municipalities, ranging from Camden to the smallest village. Search volume for property tax is often city-specific, so here is the complete list — with population from the 2020 US Census, rounded to the nearest 100.

Data: US Census Bureau, 2020 Decennial Census. Populations rounded. Cities marked as "split" straddle a county border — the portion inside Camden County is subject to Camden County's tax rolls, while the portion outside is subject to the adjacent county's.

City or town	Type	Population (2020)
Cherry Hill	township	74,553
Camden County seat	city	71,791
Gloucester Township	township	66,076
Winslow	township	39,004
Pennsauken	township	35,888
Voorhees	township	30,466
Lindenwold	borough	17,613
Collingswood	borough	13,931
Haddonfield	borough	12,586

About city-level property tax rates: The rate breakdown and calculator on this page reflect the Camden tax district. Other cities in Camden County may pay into different school districts, city rates, and special districts — so their combined rates can differ, sometimes substantially. Always verify the specific rates for your address with the Camden County Board of Taxation before relying on any estimate.

Frequently asked questions

When are Camden County property taxes due?

New Jersey property taxes are paid in quarterly installments: February 1, May 1, August 1, and November 1. Each municipality bills separately (NJ has no county-level billing). A 10-day grace period applies after each due date; late payments incur 8% interest on the first $1,500 of delinquency and 18% on amounts above.

Why are New Jersey property taxes so high?

New Jersey funds a substantial portion of public school costs through property tax rather than state income or sales tax. Combined with NJ's 564 separate municipalities (each maintaining its own government, police, and services), per-capita government costs are among the highest in the country — and property tax is the primary funding mechanism. School portion alone typically accounts for 50-65% of the total bill.

How can I qualify for Senior Freeze (PTR)?

You must be 65+ or disabled, have lived in NJ for at least the last 10 years, owned and lived in your current home for at least the last 3 years, and have household income under approximately $163,050 (2024). The program reimburses growth above your "base year" bill — you continue paying the full bill to your municipality and receive a state reimbursement check. File Form PTR-1 (first-time) or PTR-2 (subsequent years).

How do I appeal my assessment?

NJ's appeal deadline is April 1 in most counties (Monmouth has alternative timing under the Assessment Demonstration Program). File with the Camden County Board of Taxation. NJ uses a 15% common level range rule — your assessment must be more than 15% higher than the county equalization ratio applied to your true market value to qualify for adjustment. Strong appeals require comparable sales data within the prior 12 months.

About Camden County

Beyond the property tax — a few things you might not know about the place.

Weird fact

Tavistock, NJ (Camden County) is one of the smallest incorporated municipalities in the United States by population (typically 5-10 residents), incorporated in 1921 specifically to allow Sunday golf at the Tavistock Country Club at a time when surrounding Haddonfield prohibited Sunday recreation. The borough has its own mayor, council, and tax structure but functionally operates as the Tavistock Country Club's administrative entity.

Hometown hero

Walt Whitman

The poet (1819-1892) — author of "Leaves of Grass" (1855) — spent the last 19 years of his life living at 328 Mickle Street in Camden (now Mickle Boulevard). The Walt Whitman House is preserved as a state historic site. Whitman's grave at Harleigh Cemetery in Camden was designed and built by Whitman himself before his death; the granite tomb is one of the most visited literary-tourist sites in NJ.

Biggest annual event

Freedom Mortgage Pavilion concert season

The Freedom Mortgage Pavilion (formerly BB&T Pavilion, originally Tweeter Center) on the Camden waterfront is one of the largest amphitheaters in the Philadelphia metro area, with 25,000+ capacity. The annual concert season (May through October) hosts major touring acts.

Property Tax in Camden County, 2026