Taxes in Union Township, New Jersey
Complete tax guide for Union Township, NJ. State income tax up to 8.97%, 2.18% property tax, 9.29% sales tax. Calculate your total tax burden.
State Income Tax
8.97%
New Jersey
Property Tax
2.18%
Effective rate
Sales Tax
9.29%
Combined rate
Tax Burden
Very High
Union Township, NJ Tax Overview
Population
59,387
Median Income
$87,300
Cost of Living
123.5 (100 = avg)
State Income Tax
8.97%
Median Home Price
$451,000
Union Township Tax Calculator
Pre-filled with Union Township median: $87,300
Total Tax Burden in Union Township
$25,329
Take-Home: $61,971 · Effective Rate: 29.01%
Federal Tax
$10,820
12.39% eff.
NJ State
$7,831
8.97% eff.
FICA
$6,678
7.65% eff.
Take-Home
$61,971
70.99% kept
Tax Breakdown
| Item | Annual | Monthly |
|---|---|---|
| Gross Income | $87,300.00 | $7,275.00 |
| Federal Income Tax | -$10,820.00 | -$901.67 |
| New Jersey State Tax | -$7,830.81 | -$652.57 |
| Social Security (6.2%) | -$5,412.60 | -$451.05 |
| Medicare (1.45%) | -$1,265.85 | -$105.49 |
| Take-Home Pay | $61,970.74 | $5,164.23 |
Property Tax in Union Township
Median Home
$451,000
Annual Tax
$9,832
Monthly Tax
$819
Effective Rate
2.18%
Sales Tax in Union Township
Combined Rate
9.29%
State Portion
~6.8%
Local Portion
~2.5%
The combined sales tax rate in Union Township is 9.29%, which is above the national average of 7.12%. On a $100 purchase, you would pay $9.29 in sales tax.
Tax Burden Comparison
| Tax Type | Union Township | New Jersey Avg | National Avg |
|---|---|---|---|
| Income Tax | 8.97% | 8.97% | 4.6% |
| Property Tax | 2.18% | ~2.18% | 1.1% |
| Sales Tax | 9.29% | ~9.29% | 7.12% |
| Overall Burden | Very High | — | Moderate |
Tax Saving Tips for Union Township 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 Township (2.18%) 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 9.29% 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 Union Township, NJ?
Union Township, New Jersey has a state income tax rate up to 8.97%. The property tax rate is 2.18% and the combined sales tax rate is 9.29%.
How much is property tax in Union Township?
The effective property tax rate in Union Township is 2.18%. On the median home price of $451,000, this equals approximately $9,832 per year or $819 per month. This is above the national average of 1.1%.
What is the sales tax rate in Union Township?
The combined sales tax rate in Union Township is 9.29%, which includes both state and local components. This is above the national average combined rate of approximately 7.12%.
How does Union Township's tax burden compare to other cities?
Union Township has a very high overall tax burden. The effective total tax rate for a median-income household is approximately 38.3%. The combination of 8.97% state income tax, 2.18% property tax, and 9.29% sales tax determines the total burden. Cost of living index is 123.5 (100 = national average).
Are there any local taxes in Union Township?
Union Township 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).