Taxes in Clifton, New Jersey
Complete tax guide for Clifton, NJ. State income tax up to 8.97%, 2.19% property tax, 9.36% sales tax. Calculate your total tax burden.
State Income Tax
8.97%
New Jersey
Property Tax
2.19%
Effective rate
Sales Tax
9.36%
Combined rate
Tax Burden
Very High
Clifton, NJ Tax Overview
Population
89,266
Median Income
$94,800
Cost of Living
126.9 (100 = avg)
State Income Tax
8.97%
Median Home Price
$413,000
Clifton Tax Calculator
Pre-filled with Clifton median: $94,800
Total Tax Burden in Clifton
$28,226
Take-Home: $66,574 · Effective Rate: 29.77%
Federal Tax
$12,470
13.15% eff.
NJ State
$8,504
8.97% eff.
FICA
$7,252
7.65% eff.
Take-Home
$66,574
70.23% kept
Tax Breakdown
| Item | Annual | Monthly |
|---|---|---|
| Gross Income | $94,800.00 | $7,900.00 |
| Federal Income Tax | -$12,470.00 | -$1,039.17 |
| New Jersey State Tax | -$8,503.56 | -$708.63 |
| Social Security (6.2%) | -$5,877.60 | -$489.80 |
| Medicare (1.45%) | -$1,374.60 | -$114.55 |
| Take-Home Pay | $66,574.24 | $5,547.85 |
Property Tax in Clifton
Median Home
$413,000
Annual Tax
$9,045
Monthly Tax
$754
Effective Rate
2.19%
Sales Tax in Clifton
Combined Rate
9.36%
State Portion
~6.9%
Local Portion
~2.5%
The combined sales tax rate in Clifton is 9.36%, which is above the national average of 7.12%. On a $100 purchase, you would pay $9.36 in sales tax.
Tax Burden Comparison
| Tax Type | Clifton | New Jersey Avg | National Avg |
|---|---|---|---|
| Income Tax | 8.97% | 8.97% | 4.6% |
| Property Tax | 2.19% | ~2.19% | 1.1% |
| Sales Tax | 9.36% | ~9.36% | 7.12% |
| Overall Burden | Very High | — | Moderate |
Tax Saving Tips for Clifton 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 Clifton (2.19%) is above the national average. Check if you qualify for homestead exemptions or assessment appeals to reduce your property tax bill.
- The combined sales tax rate of 9.36% is relatively high. Consider making large purchases in lower-tax jurisdictions or online retailers that do not charge local tax rates.
- 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 Clifton, NJ?
Clifton, New Jersey has a state income tax rate up to 8.97%. The property tax rate is 2.19% and the combined sales tax rate is 9.36%.
How much is property tax in Clifton?
The effective property tax rate in Clifton is 2.19%. On the median home price of $413,000, this equals approximately $9,045 per year or $754 per month. This is above the national average of 1.1%.
What is the sales tax rate in Clifton?
The combined sales tax rate in Clifton is 9.36%, which includes both state and local components. This is above the national average combined rate of approximately 7.12%.
How does Clifton's tax burden compare to other cities?
Clifton has a very high overall tax burden. The effective total tax rate for a median-income household is approximately 36.6%. The combination of 8.97% state income tax, 2.19% property tax, and 9.36% sales tax determines the total burden. Cost of living index is 126.9 (100 = national average).
Are there any local taxes in Clifton?
Clifton 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).