Taxes in Garfield, New Jersey
Complete tax guide for Garfield, NJ. State income tax up to 8.97%, 2.21% property tax, 8.95% sales tax. Calculate your total tax burden.
State Income Tax
8.97%
New Jersey
Property Tax
2.21%
Effective rate
Sales Tax
8.95%
Combined rate
Tax Burden
Very High
Garfield, NJ Tax Overview
Population
32,318
Median Income
$80,100
Cost of Living
123.7 (100 = avg)
State Income Tax
8.97%
Median Home Price
$416,000
Garfield Tax Calculator
Pre-filled with Garfield median: $80,100
Total Tax Burden in Garfield
$22,549
Take-Home: $57,551 · Effective Rate: 28.15%
Federal Tax
$9,236
11.53% eff.
NJ State
$7,185
8.97% eff.
FICA
$6,128
7.65% eff.
Take-Home
$57,551
71.85% kept
Tax Breakdown
| Item | Annual | Monthly |
|---|---|---|
| Gross Income | $80,100.00 | $6,675.00 |
| Federal Income Tax | -$9,236.00 | -$769.67 |
| New Jersey State Tax | -$7,184.97 | -$598.75 |
| Social Security (6.2%) | -$4,966.20 | -$413.85 |
| Medicare (1.45%) | -$1,161.45 | -$96.79 |
| Take-Home Pay | $57,551.38 | $4,795.95 |
Property Tax in Garfield
Median Home
$416,000
Annual Tax
$9,194
Monthly Tax
$766
Effective Rate
2.21%
Sales Tax in Garfield
Combined Rate
8.95%
State Portion
~6.4%
Local Portion
~2.5%
The combined sales tax rate in Garfield is 8.95%, which is above the national average of 7.12%. On a $100 purchase, you would pay $8.95 in sales tax.
Tax Burden Comparison
| Tax Type | Garfield | New Jersey Avg | National Avg |
|---|---|---|---|
| Income Tax | 8.97% | 8.97% | 4.6% |
| Property Tax | 2.21% | ~2.21% | 1.1% |
| Sales Tax | 8.95% | ~8.95% | 7.12% |
| Overall Burden | Very High | — | Moderate |
Tax Saving Tips for Garfield 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 Garfield (2.21%) 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 8.95% 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 Garfield, NJ?
Garfield, New Jersey has a state income tax rate up to 8.97%. The property tax rate is 2.21% and the combined sales tax rate is 8.95%.
How much is property tax in Garfield?
The effective property tax rate in Garfield is 2.21%. On the median home price of $416,000, this equals approximately $9,194 per year or $766 per month. This is above the national average of 1.1%.
What is the sales tax rate in Garfield?
The combined sales tax rate in Garfield is 8.95%, which includes both state and local components. This is above the national average combined rate of approximately 7.12%.
How does Garfield's tax burden compare to other cities?
Garfield has a very high overall tax burden. The effective total tax rate for a median-income household is approximately 38.4%. The combination of 8.97% state income tax, 2.21% property tax, and 8.95% sales tax determines the total burden. Cost of living index is 123.7 (100 = national average).
Are there any local taxes in Garfield?
Garfield 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).