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Updated 2025 Tax Year

Atlantic County
Property Tax Guide

Everything you need to know about property taxes in Atlantic County, NJ. Rates, due dates, exemptions, and how it affects your monthly payment.

10 Official Sources
8 min read
Quick Facts
Tax Rate
21.36 mills ($21.36 per $1,000) county portion only; total effective rate 2.5-3.5% varies by municipality
Exemptions
5+ Available
Section 1

How Property Tax Works

Atlantic County, New Jersey operates under a property tax system that serves as the primary funding mechanism for local government services, public schools, and county operations. Property owners in Atlantic County pay taxes based on their property's assessed value multiplied by the local tax rate, which varies significantly by municipality and special taxing districts within the county. The county's property tax rate for 2025 is 21.36 mills (or $21.36 per $1,000 of assessed value), though this represents only the county portion of your total property tax bill.

The total effective property tax rate in Atlantic County typically ranges from approximately 2.5% to 3.5% of market value when combining county, municipal, school district, and special assessment taxes. Your actual tax rate depends on your specific location within the county, as different municipalities, school districts, and special taxing districts (such as fire districts, utility authorities, and improvement districts) each levy their own taxes. New Jersey assesses properties at 100% of market value with no statewide assessment cap, meaning your assessed value should reflect your property's current fair market value.

Section 2

What Makes Up Your Tax Bill

ComponentRate (per $1,000)Description
County Tax$21.36Atlantic County general operations, services, and facilities
Municipal TaxVaries by municipalityLocal government services, police, fire, public works
School District TaxVaries by districtK-12 public education funding
Special DistrictsVaries by locationFire districts, library districts, utility authorities
Total Estimated Range$25.00 - $35.00Combined rate varies significantly by municipality

Note: These rates apply to the 2025 levy year. The county tax levy totals $188,677,483.86 for 2025. Municipal and school district rates vary considerably across Atlantic County's 23 municipalities and multiple school districts. Special district assessments may include fire protection, libraries, utilities, and improvement districts depending on your property's location.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Atlantic County, property taxes are due in two installments:

Pro tip: If you pay through mortgage escrow, your lender splits these payments across your monthly mortgage. If you pay directly, set calendar reminders to avoid late penalties.
Section 4

Supplemental Tax Bills

Supplemental taxes in Atlantic County are additional property tax assessments that occur when there are changes to a property's assessed value during the tax year. The most common triggers include change of ownership (which may prompt reassessment), completion of new construction or major improvements, and corrections to assessment errors discovered mid-year.

When a supplemental assessment is issued, it covers the difference between the old and new assessed values for the remaining portion of the tax year. For example, if you complete a $100,000 home addition in June and your property is reassessed from $400,000 to $500,000, you would owe supplemental taxes on the additional $100,000 in assessed value for the remaining 6 months of the tax year. Using an average combined rate of $30 per $1,000, this would result in a supplemental bill of approximately $1,500 ($100,000 ÷ 1,000 × $30 ÷ 2).

Example Calculation

Example 1: $300,000 Home

  • Assessed Value: $300,000
  • Less: Senior Citizens Tax Deduction (if applicable): -$250
  • Net Taxable Value: $299,750
  • Tax Rate: $28.50 per $1,000 (example combined rate)
  • Annual Tax: $8,542.88
  • Monthly Escrow: $711.91

Example 2: $600,000 Home

  • Assessed Value: $600,000
  • Less: Veterans Tax Credit (if applicable): -$250
  • Net Taxable Value: $599,750
  • Tax Rate: $31.20 per $1,000 (example combined rate)
  • Annual Tax: $18,712.20
  • Monthly Escrow: $1,559.35

Example 3: $1,000,000 Home

  • Assessed Value: $1,000,000
  • Less: Homestead Benefit (if applicable): -$250
  • Net Taxable Value: $999,750
  • Tax Rate: $33.75 per $1,000 (example combined rate)
  • Annual Tax: $33,741.56
  • Monthly Escrow: $2,811.80

Note: Tax credits shown require annual application and eligibility verification. Actual rates vary by specific location within Atlantic County.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Atlantic County require property tax escrow accounts for borrowers with less than 20% down payment, though many homeowners opt for escrow regardless for budgeting convenience. Your lender collects monthly property tax payments along with your mortgage payment, depositing these funds into an escrow account. The lender then pays your property taxes directly to Atlantic County on your behalf when taxes are due.

Atlantic County property taxes are typically due quarterly: 1st Quarter due February 1st, 2nd Quarter due May 1st, and 4th Quarter due November 1st (note the skipped 3rd quarter schedule). Lenders usually pay taxes a few days before the due date to ensure timely payment and avoid penalties. Your lender is required to provide an annual escrow analysis showing the account balance, payments made, and any adjustments needed for the coming year. If your property taxes increase due to reassessment or rate changes, your monthly escrow payment will be adjusted accordingly, sometimes requiring a one-time shortage payment to bring the account to proper balance.

How HonestCasa Helps
  • Understand whether your escrow is set correctly
  • See how rising taxes will change your monthly payment
  • Plan ahead instead of being surprised by "shortage" letters
Section 6

Frequently Asked Questions

Q: When are Atlantic County property taxes due for the current fiscal year? A: Property taxes are due quarterly on February 1st (1st Quarter), May 1st (2nd Quarter), and November 1st (4th Quarter). There is no 3rd quarter payment in Atlantic County's system.

Q: What tax credits are available and how do I apply? A: Available tax credits include Senior Citizens Tax Deduction, Veterans Tax Credit, Disabled Veterans Exemption, and Homestead Benefit. All credits require annual application through the Atlantic County Tax Assessor's office and have specific eligibility requirements and deadlines.

Q: How does the Homestead Benefit work? A: The Homestead Benefit provides tax relief for eligible homeowners on their principal residence. It limits assessment increases and provides credits based on income and other factors. You must file an application with supporting documentation, and benefits are not automatic - they require annual verification.

Q: How often are properties reassessed in Atlantic County? A: New Jersey requires periodic revaluations to maintain assessments at current market value. Atlantic County municipalities conduct reassessments on varying schedules, typically every 3-10 years depending on the municipality, though properties may be individually reassessed upon sale or improvement.

Q: What are the penalties for late property tax payments? A: Atlantic City and other municipalities in Atlantic County may provide a brief grace period before charging penalties, but interest and penalties accrue after the due date. Contact your specific municipality's tax collector for exact penalty rates and grace periods.

Q: Can I pay my property taxes online? A: Most Atlantic County municipalities offer online payment options through their websites or third-party payment processors. Contact your municipal tax collector's office for available payment methods and any associated convenience fees.

Q: How do special district taxes affect my bill? A: Special districts such as fire districts, library districts, and improvement districts levy additional taxes based on your property location. These appear as separate line items on your tax bill and can vary significantly between neighboring properties.

Q: What should I do if I'm a new property owner and haven't received my tax bill? A: New property owners must contact the municipal tax collector's office immediately upon purchase. The tax office will mail a bill once notified of ownership change by the County, but you're responsible for ensuring you receive and pay taxes even if no bill is received.

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