Taxes in Montclair, New Jersey
Complete tax guide for Montclair, NJ. State income tax up to 8.97%, 2.2% property tax, 9.3% sales tax. Calculate your total tax burden.
State Income Tax
8.97%
New Jersey
Property Tax
2.2%
Effective rate
Sales Tax
9.3%
Combined rate
Tax Burden
Very High
Montclair, NJ Tax Overview
Population
40,379
Median Income
$78,100
Cost of Living
119.9 (100 = avg)
State Income Tax
8.97%
Median Home Price
$394,000
Montclair Tax Calculator
Pre-filled with Montclair median: $78,100
Total Tax Burden in Montclair
$21,776
Take-Home: $56,324 · Effective Rate: 27.88%
Federal Tax
$8,796
11.26% eff.
NJ State
$7,006
8.97% eff.
FICA
$5,975
7.65% eff.
Take-Home
$56,324
72.12% kept
Tax Breakdown
| Item | Annual | Monthly |
|---|---|---|
| Gross Income | $78,100.00 | $6,508.33 |
| Federal Income Tax | -$8,796.00 | -$733.00 |
| New Jersey State Tax | -$7,005.57 | -$583.80 |
| Social Security (6.2%) | -$4,842.20 | -$403.52 |
| Medicare (1.45%) | -$1,132.45 | -$94.37 |
| Take-Home Pay | $56,323.78 | $4,693.65 |
Property Tax in Montclair
Median Home
$394,000
Annual Tax
$8,668
Monthly Tax
$722
Effective Rate
2.2%
Sales Tax in Montclair
Combined Rate
9.3%
State Portion
~6.8%
Local Portion
~2.5%
The combined sales tax rate in Montclair is 9.3%, which is above the national average of 7.12%. On a $100 purchase, you would pay $9.30 in sales tax.
Tax Burden Comparison
| Tax Type | Montclair | New Jersey Avg | National Avg |
|---|---|---|---|
| Income Tax | 8.97% | 8.97% | 4.6% |
| Property Tax | 2.2% | ~2.2% | 1.1% |
| Sales Tax | 9.3% | ~9.3% | 7.12% |
| Overall Burden | Very High | — | Moderate |
About Taxes in Montclair
Montclair has a population of approximately 40,379 residents with a median household income of $78,100. The cost of living index is 119.9 (19.9% higher than the national average of 100).
Tax burden classification: Very High. Effective combined tax rate of 38.1% includes federal, state, FICA, property, and sales taxes for a typical Montclair household.
Official Tax Resources for New Jersey
For authoritative New Jersey tax forms, filing deadlines, and the latest legislative updates, consult these official government resources:
- New Jersey Division of Taxation — official state revenue agency
- New Jersey Individual Income Tax Forms — current tax year forms and instructions
- IRS Federal Tax Forms and Instructions — federal income tax filing
Tax Saving Tips for Montclair 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 Montclair (2.2%) 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 9.3% 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 ($4,400 individual, $8,750 family), growth is tax-free, and withdrawals for medical expenses are tax-free.
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Tax rate data on this page is compiled from official government sources and updated for the 2026 tax year. Calculations follow the IRS-published 2026 federal tax brackets, FICA rates (6.2% Social Security up to $176,100 wage base, 1.45% Medicare), and New Jersey state tax provisions. Property tax estimates use Montclair's median home value of $394,000and the local effective property tax rate of 2.2%.
- • Federal tax brackets and standard deductions: IRS.gov
- • State income tax rates and brackets: New Jersey Division of Taxation
- • Median household income, home value, and demographics: U.S. Census Bureau ACS
- • Cost of living comparisons: U.S. Bureau of Labor Statistics CES
- • National average benchmarks: Tax Foundation state-level tax burden studies
Disclaimer: Estimates are for informational purposes only. Actual tax liability depends on filing status, deductions, credits, and individual circumstances. Consult a licensed tax professional or your state revenue agency for binding tax guidance.
Reviewed by LevyIO Tax Research Team · Published 2026-01-15 · Last updated 2026-04-30
Calculate Your Full New Jersey Tax Burden
See detailed state tax brackets, FICA breakdown, and compare to neighboring states.
Frequently Asked Questions
What are the tax rates in Montclair, NJ?
Montclair, New Jersey has a state income tax rate up to 8.97%. The property tax rate is 2.2% and the combined sales tax rate is 9.3%.
How much is property tax in Montclair?
The effective property tax rate in Montclair is 2.2%. On the median home price of $394,000, this equals approximately $8,668 per year or $722 per month. This is above the national average of 1.1%.
What is the sales tax rate in Montclair?
The combined sales tax rate in Montclair is 9.3%, which includes both state and local components. This is above the national average combined rate of approximately 7.12%.
How does Montclair's tax burden compare to other cities?
Montclair has a very high overall tax burden. The effective total tax rate for a median-income household is approximately 38.1%. The combination of 8.97% state income tax, 2.2% property tax, and 9.3% sales tax determines the total burden. Cost of living index is 119.9 (100 = national average).
Are there any local taxes in Montclair?
Montclair 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).