Taxes in Passaic, New Jersey
Complete tax guide for Passaic, NJ. State income tax up to 8.97%, 2.33% property tax, 7.53% sales tax. Calculate your total tax burden.
State Income Tax
8.97%
New Jersey
Property Tax
2.33%
Effective rate
Sales Tax
7.53%
Combined rate
Tax Burden
Very High
Passaic, NJ Tax Overview
Population
72,427
Median Income
$89,000
Cost of Living
128.3 (100 = avg)
State Income Tax
8.97%
Median Home Price
$440,000
Passaic Tax Calculator
Pre-filled with Passaic median: $89,000
Total Tax Burden in Passaic
$25,986
Take-Home: $63,014 · Effective Rate: 29.20%
Federal Tax
$11,194
12.58% eff.
NJ State
$7,983
8.97% eff.
FICA
$6,809
7.65% eff.
Take-Home
$63,014
70.80% kept
Tax Breakdown
| Item | Annual | Monthly |
|---|---|---|
| Gross Income | $89,000.00 | $7,416.67 |
| Federal Income Tax | -$11,194.00 | -$932.83 |
| New Jersey State Tax | -$7,983.30 | -$665.28 |
| Social Security (6.2%) | -$5,518.00 | -$459.83 |
| Medicare (1.45%) | -$1,290.50 | -$107.54 |
| Take-Home Pay | $63,014.20 | $5,251.18 |
Property Tax in Passaic
Median Home
$440,000
Annual Tax
$10,252
Monthly Tax
$854
Effective Rate
2.33%
Sales Tax in Passaic
Combined Rate
7.53%
State Portion
~5.0%
Local Portion
~2.5%
The combined sales tax rate in Passaic is 7.53%, which is above the national average of 7.12%. On a $100 purchase, you would pay $7.53 in sales tax.
Tax Burden Comparison
| Tax Type | Passaic | New Jersey Avg | National Avg |
|---|---|---|---|
| Income Tax | 8.97% | 8.97% | 4.6% |
| Property Tax | 2.33% | ~2.33% | 1.1% |
| Sales Tax | 7.53% | ~7.53% | 7.12% |
| Overall Burden | Very High | — | Moderate |
Tax Saving Tips for Passaic 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 Passaic (2.33%) 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 Passaic, NJ?
Passaic, New Jersey has a state income tax rate up to 8.97%. The property tax rate is 2.33% and the combined sales tax rate is 7.53%.
How much is property tax in Passaic?
The effective property tax rate in Passaic is 2.33%. On the median home price of $440,000, this equals approximately $10,252 per year or $854 per month. This is above the national average of 1.1%.
What is the sales tax rate in Passaic?
The combined sales tax rate in Passaic is 7.53%, which includes both state and local components. This is above the national average combined rate of approximately 7.12%.
How does Passaic's tax burden compare to other cities?
Passaic has a very high overall tax burden. The effective total tax rate for a median-income household is approximately 38%. The combination of 8.97% state income tax, 2.33% property tax, and 7.53% sales tax determines the total burden. Cost of living index is 128.3 (100 = national average).
Are there any local taxes in Passaic?
Passaic 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).