Taxes in Camden, New Jersey
Complete tax guide for Camden, NJ. State income tax up to 8.97%, 2.22% property tax, 6.88% sales tax. Calculate your total tax burden.
State Income Tax
8.97%
New Jersey
Property Tax
2.22%
Effective rate
Sales Tax
6.88%
Combined rate
Tax Burden
Very High
Camden, NJ Tax Overview
Population
73,562
Median Income
$83,800
Cost of Living
129.1 (100 = avg)
State Income Tax
8.97%
Median Home Price
$451,000
Camden Tax Calculator
Pre-filled with Camden median: $83,800
Total Tax Burden in Camden
$23,978
Take-Home: $59,822 · Effective Rate: 28.61%
Federal Tax
$10,050
11.99% eff.
NJ State
$7,517
8.97% eff.
FICA
$6,411
7.65% eff.
Take-Home
$59,822
71.39% kept
Tax Breakdown
| Item | Annual | Monthly |
|---|---|---|
| Gross Income | $83,800.00 | $6,983.33 |
| Federal Income Tax | -$10,050.00 | -$837.50 |
| New Jersey State Tax | -$7,516.86 | -$626.41 |
| Social Security (6.2%) | -$5,195.60 | -$432.97 |
| Medicare (1.45%) | -$1,215.10 | -$101.26 |
| Take-Home Pay | $59,822.44 | $4,985.20 |
Property Tax in Camden
Median Home
$451,000
Annual Tax
$10,012
Monthly Tax
$834
Effective Rate
2.22%
Sales Tax in Camden
Combined Rate
6.88%
State Portion
~4.4%
Local Portion
~2.5%
The combined sales tax rate in Camden is 6.88%, which is below the national average of 7.12%. On a $100 purchase, you would pay $6.88 in sales tax.
Tax Burden Comparison
| Tax Type | Camden | New Jersey Avg | National Avg |
|---|---|---|---|
| Income Tax | 8.97% | 8.97% | 4.6% |
| Property Tax | 2.22% | ~2.22% | 1.1% |
| Sales Tax | 6.88% | ~6.88% | 7.12% |
| Overall Burden | Very High | — | Moderate |
Tax Saving Tips for Camden Residents
- New Jersey's income tax rate of 8.97% is above average. Maximize pre-tax retirement contributions (401k up to $23,500, IRA up to $7,000) to reduce both federal and state taxable income.
- Property tax in Camden (2.22%) is above the national average. Check if you qualify for homestead exemptions or assessment appeals to reduce your property tax bill.
- Use a Health Savings Account (HSA) if eligible. Contributions are tax-deductible ($4,300 individual, $8,550 family), growth is tax-free, and withdrawals for medical expenses are tax-free.
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See detailed state tax brackets, FICA breakdown, and compare to neighboring states.
Frequently Asked Questions
What are the tax rates in Camden, NJ?
Camden, New Jersey has a state income tax rate up to 8.97%. The property tax rate is 2.22% and the combined sales tax rate is 6.88%.
How much is property tax in Camden?
The effective property tax rate in Camden is 2.22%. On the median home price of $451,000, this equals approximately $10,012 per year or $834 per month. This is above the national average of 1.1%.
What is the sales tax rate in Camden?
The combined sales tax rate in Camden is 6.88%, which includes both state and local components. This is below the national average combined rate of approximately 7.12%.
How does Camden's tax burden compare to other cities?
Camden has a very high overall tax burden. The effective total tax rate for a median-income household is approximately 38.2%. The combination of 8.97% state income tax, 2.22% property tax, and 6.88% sales tax determines the total burden. Cost of living index is 129.1 (100 = national average).
Are there any local taxes in Camden?
Camden does not impose a separate local or city income tax. Residents pay the state income tax of 8.97%, federal income tax, and FICA (Social Security and Medicare).