Taxes in Union City, New Jersey
Complete tax guide for Union City, NJ. State income tax up to 8.97%, 2.15% property tax, 7.84% sales tax. Calculate your total tax burden.
State Income Tax
8.97%
New Jersey
Property Tax
2.15%
Effective rate
Sales Tax
7.84%
Combined rate
Tax Burden
Very High
Union City, NJ Tax Overview
Population
69,781
Median Income
$90,800
Cost of Living
117.2 (100 = avg)
State Income Tax
8.97%
Median Home Price
$455,000
Union City Tax Calculator
Pre-filled with Union City median: $90,800
Total Tax Burden in Union City
$26,681
Take-Home: $64,119 · Effective Rate: 29.38%
Federal Tax
$11,590
12.76% eff.
NJ State
$8,145
8.97% eff.
FICA
$6,946
7.65% eff.
Take-Home
$64,119
70.62% kept
Tax Breakdown
| Item | Annual | Monthly |
|---|---|---|
| Gross Income | $90,800.00 | $7,566.67 |
| Federal Income Tax | -$11,590.00 | -$965.83 |
| New Jersey State Tax | -$8,144.76 | -$678.73 |
| Social Security (6.2%) | -$5,629.60 | -$469.13 |
| Medicare (1.45%) | -$1,316.60 | -$109.72 |
| Take-Home Pay | $64,119.04 | $5,343.25 |
Property Tax in Union City
Median Home
$455,000
Annual Tax
$9,783
Monthly Tax
$815
Effective Rate
2.15%
Sales Tax in Union City
Combined Rate
7.84%
State Portion
~5.3%
Local Portion
~2.5%
The combined sales tax rate in Union City is 7.84%, which is above the national average of 7.12%. On a $100 purchase, you would pay $7.84 in sales tax.
Tax Burden Comparison
| Tax Type | Union City | New Jersey Avg | National Avg |
|---|---|---|---|
| Income Tax | 8.97% | 8.97% | 4.6% |
| Property Tax | 2.15% | ~2.15% | 1.1% |
| Sales Tax | 7.84% | ~7.84% | 7.12% |
| Overall Burden | Very High | — | Moderate |
Tax Saving Tips for Union City 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 Union City (2.15%) 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 Union City, NJ?
Union City, New Jersey has a state income tax rate up to 8.97%. The property tax rate is 2.15% and the combined sales tax rate is 7.84%.
How much is property tax in Union City?
The effective property tax rate in Union City is 2.15%. On the median home price of $455,000, this equals approximately $9,783 per year or $815 per month. This is above the national average of 1.1%.
What is the sales tax rate in Union City?
The combined sales tax rate in Union City is 7.84%, which includes both state and local components. This is above the national average combined rate of approximately 7.12%.
How does Union City's tax burden compare to other cities?
Union City has a very high overall tax burden. The effective total tax rate for a median-income household is approximately 37.3%. The combination of 8.97% state income tax, 2.15% property tax, and 7.84% sales tax determines the total burden. Cost of living index is 117.2 (100 = national average).
Are there any local taxes in Union City?
Union City 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).