What is the property tax rate in Hudson County?

The combined effective property tax rate in Hudson County, New Jersey is approximately 1.69%.

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

Property Tax in Hudson County, 2026

A calculator and field guide for Jersey City-area homeowners — and for anyone considering a move to Hudson 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.

Hudson County, home to Jersey City and 725k 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 Hudson 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 Hudson County average, this is approximately $2.40 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. Hudson County's average effective rate is approximately 1.69%.

Intra-county variation is dramatic. Hudson County's average effective rate is 1.69%, 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 Hudson County rate breakdown (avg general tax rate per $100 of assessed value, Jersey City district)

Taxing entity	Rate
Hudson County avg general tax rate (per $100 AV)	2.4000
Combined total	2.4000

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

Note: Hudson County is the most densely-populated county in New Jersey and one of the most densely-populated counties in the United States. Hudson sits directly across the Hudson River from Manhattan, with Jersey City and Hoboken serving as primary NYC commuter cities. Both cities have transformed dramatically since 2000 from working-class transit-corridor towns into substantial financial-and-tech employment centers in their own right.

Note: Hudson's effective tax rate of approximately 1.69% is moderately below the NJ statewide average — partly a function of Jersey City's and Hoboken's extensive tax-abatement programs for new construction (PILOT agreements that defer or reduce property tax for 10-30 years on new high-rise developments). These abatements have helped fund Jersey City's transformation but also concentrated tax burden on older non-abated properties.

Note: Within Hudson, the municipality-level effective rate range is wide: Hoboken (~1.07%) and North Bergen (~1.66%) sit substantially below Guttenberg (2.43%) and Kearny (~1.99%). Hoboken's comparatively low rate reflects substantial abated-property revenue plus a relatively new school facilities financing structure.

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 Hudson 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 Hudson County

Hudson County contains 10 incorporated municipalities, ranging from Jersey City 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 Hudson County is subject to Hudson County's tax rolls, while the portion outside is subject to the adjacent county's.

City or town	Type	Population (2020)
Jersey City County seat	city	292,449
Bayonne	city	71,686
Union City	city	68,589
North Bergen	township	63,484
Hoboken	city	60,419
West New York	town	52,910
Kearny	town	41,999
Secaucus	town	22,181
Weehawken	township	17,197
Guttenberg	town	11,893

About city-level property tax rates: The rate breakdown and calculator on this page reflect the Jersey City tax district. Other cities in Hudson 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 Hudson County Board of Taxation before relying on any estimate.

Frequently asked questions

When are Hudson 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 Hudson 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 Hudson County

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

Weird fact

Hoboken is one of the smallest cities in the United States by area (just 1.28 square miles) and one of the most densely-populated (~45,000 people per square mile) — comparable to Manhattan's Upper East Side. The city famously claims to be the birthplace of organized baseball (the first recorded "modern rules" baseball game was played at Elysian Fields in Hoboken on June 19, 1846).

Hometown hero

Frank Sinatra

The iconic singer (1915-1998) was born at 415 Monroe Street in Hoboken on December 12, 1915. Sinatra grew up in Hoboken and considered the city his hometown for most of his life. Hoboken hosts the annual Sinatra Birthday Bash and several plaques mark Sinatra-era buildings throughout the city.

Biggest annual event

Hoboken Italian Festival

The Hoboken Italian Festival (September) draws 250,000+ visitors over its weekend run, making it among the largest single-weekend ethnic festivals in the country. The Jersey City St. Patrick's Day Parade (mid-March) draws another 100,000+ attendees.

Property Tax in Hudson County, 2026