Taxes in North Bergen, New Jersey
Complete tax guide for North Bergen, NJ. State income tax up to 8.97%, 2.2% property tax, 8.81% sales tax. Calculate your total tax burden.
State Income Tax
8.97%
New Jersey
Property Tax
2.2%
Effective rate
Sales Tax
8.81%
Combined rate
Tax Burden
Very High
North Bergen, NJ Tax Overview
Population
63,484
Median Income
$77,900
Cost of Living
118 (100 = avg)
State Income Tax
8.97%
Median Home Price
$425,000
North Bergen Tax Calculator
Pre-filled with North Bergen median: $77,900
Total Tax Burden in North Bergen
$21,699
Take-Home: $56,201 · Effective Rate: 27.85%
Federal Tax
$8,752
11.23% eff.
NJ State
$6,988
8.97% eff.
FICA
$5,959
7.65% eff.
Take-Home
$56,201
72.15% kept
Tax Breakdown
| Item | Annual | Monthly |
|---|---|---|
| Gross Income | $77,900.00 | $6,491.67 |
| Federal Income Tax | -$8,752.00 | -$729.33 |
| New Jersey State Tax | -$6,987.63 | -$582.30 |
| Social Security (6.2%) | -$4,829.80 | -$402.48 |
| Medicare (1.45%) | -$1,129.55 | -$94.13 |
| Take-Home Pay | $56,201.02 | $4,683.42 |
Property Tax in North Bergen
Median Home
$425,000
Annual Tax
$9,350
Monthly Tax
$779
Effective Rate
2.2%
Sales Tax in North Bergen
Combined Rate
8.81%
State Portion
~6.3%
Local Portion
~2.5%
The combined sales tax rate in North Bergen is 8.81%, which is above the national average of 7.12%. On a $100 purchase, you would pay $8.81 in sales tax.
Tax Burden Comparison
| Tax Type | North Bergen | New Jersey Avg | National Avg |
|---|---|---|---|
| Income Tax | 8.97% | 8.97% | 4.6% |
| Property Tax | 2.2% | ~2.2% | 1.1% |
| Sales Tax | 8.81% | ~8.81% | 7.12% |
| Overall Burden | Very High | — | Moderate |
Tax Saving Tips for North Bergen 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 North Bergen (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 8.81% 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 North Bergen, NJ?
North Bergen, 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 8.81%.
How much is property tax in North Bergen?
The effective property tax rate in North Bergen is 2.2%. On the median home price of $425,000, this equals approximately $9,350 per year or $779 per month. This is above the national average of 1.1%.
What is the sales tax rate in North Bergen?
The combined sales tax rate in North Bergen is 8.81%, which includes both state and local components. This is above the national average combined rate of approximately 7.12%.
How does North Bergen's tax burden compare to other cities?
North Bergen has a very high overall tax burden. The effective total tax rate for a median-income household is approximately 38.9%. The combination of 8.97% state income tax, 2.2% property tax, and 8.81% sales tax determines the total burden. Cost of living index is 118 (100 = national average).
Are there any local taxes in North Bergen?
North Bergen 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).