Taxes in Jersey City, New Jersey
Complete tax guide for Jersey City, NJ. State income tax up to 10.75%, 1.48% property tax, 6.63% sales tax. Calculate your total tax burden.
State Income Tax
10.75%
New Jersey
Property Tax
1.48%
Effective rate
Sales Tax
6.63%
Combined rate
Tax Burden
Very High
Jersey City, NJ Tax Overview
NYC commuter city; lower property tax rate but high home values
Population
292,449
Median Income
$82,614
Cost of Living
141.5 (100 = avg)
State Income Tax
10.75%
Median Home Price
$565,000
Jersey City Tax Calculator
Pre-filled with Jersey City median: $82,614
Total Tax Burden in Jersey City
$24,990
Take-Home: $57,624 · Effective Rate: 30.25%
Federal Tax
$9,789
11.85% eff.
NJ State
$8,881
10.75% eff.
FICA
$6,320
7.65% eff.
Take-Home
$57,624
69.75% kept
Tax Breakdown
| Item | Annual | Monthly |
|---|---|---|
| Gross Income | $82,614.00 | $6,884.50 |
| Federal Income Tax | -$9,789.08 | -$815.76 |
| New Jersey State Tax | -$8,881.01 | -$740.08 |
| Social Security (6.2%) | -$5,122.07 | -$426.84 |
| Medicare (1.45%) | -$1,197.90 | -$99.83 |
| Take-Home Pay | $57,623.94 | $4,802.00 |
Property Tax in Jersey City
Median Home
$565,000
Annual Tax
$8,362
Monthly Tax
$697
Effective Rate
1.48%
Sales Tax in Jersey City
Combined Rate
6.63%
State Portion
~4.1%
Local Portion
~2.5%
The combined sales tax rate in Jersey City is 6.63%, which is below the national average of 7.12%. On a $100 purchase, you would pay $6.63 in sales tax.
Tax Burden Comparison
| Tax Type | Jersey City | New Jersey Avg | National Avg |
|---|---|---|---|
| Income Tax | 10.75% | 10.75% | 4.6% |
| Property Tax | 1.48% | ~1.48% | 1.1% |
| Sales Tax | 6.63% | ~6.63% | 7.12% |
| Overall Burden | Very High | — | Moderate |
Tax Saving Tips for Jersey City Residents
- New Jersey's income tax rate of 10.75% 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 Jersey City (1.48%) 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 Jersey City, NJ?
Jersey City, New Jersey has a state income tax rate up to 10.75%. The property tax rate is 1.48% and the combined sales tax rate is 6.63%. NYC commuter city; lower property tax rate but high home values
How much is property tax in Jersey City?
The effective property tax rate in Jersey City is 1.48%. On the median home price of $565,000, this equals approximately $8,362 per year or $697 per month. This is above the national average of 1.1%.
What is the sales tax rate in Jersey City?
The combined sales tax rate in Jersey City is 6.63%, which includes both state and local components. This is below the national average combined rate of approximately 7.12%.
How does Jersey City's tax burden compare to other cities?
Jersey City has a very high overall tax burden. The effective total tax rate for a median-income household is approximately 38%. The combination of 10.75% state income tax, 1.48% property tax, and 6.63% sales tax determines the total burden. Cost of living index is 141.5 (100 = national average).
Are there any local taxes in Jersey City?
Jersey City does not impose a separate local or city income tax. Residents pay the state income tax of 10.75%, federal income tax, and FICA (Social Security and Medicare). NYC commuter city; lower property tax rate but high home values