Updated 2025 Tax Year

Camden County
Property Tax Guide

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

10 Official Sources

8 min read

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Quick Facts

Tax Rate

2.025% effective rate (varies by municipality and school district within Camden County)

Exemptions

5+ Available

Section 1

How Property Tax Works

Camden County, New Jersey operates under a property tax system that serves as the primary funding mechanism for local government services, schools, and county operations. Property owners in Camden County face an estimated effective tax rate of approximately 2.025% for the 2025 tax year, which translates to an average annual payment of $2,025 per homeowner. The county portion represents about 19.42% of your total property tax bill, with the average homeowner paying $2,072.51 toward county services, plus an additional Open Space Levy of 0.70% of the total tax bill.

It's important to note that actual tax rates vary significantly by location within Camden County due to local municipal rates, school district levies, and special taxing districts. Your specific tax rate depends on your exact location and any applicable special assessments in your area. Properties are assessed at 100% of their market value, and the county anticipates raising approximately $64.9 million through property taxes to fund essential services including public safety, infrastructure, parks, and administrative functions.

Section 2

What Makes Up Your Tax Bill

Component	Rate	Description
County General Levy	~0.393%	Funds county government operations, public safety, and services
Open Space Levy	~0.014%	Dedicated to open space preservation and recreation programs
Municipal Rate	Varies	Local city/township services (varies significantly by municipality)
School District Rate	Varies	Local school district funding (largest component of most tax bills)
Special Districts	Varies	Fire districts, library districts, and other special assessments
Total Estimated Rate	~2.025%	Combined rate for typical Camden County property

Rates shown are estimates for Fiscal Year 2025. Actual rates vary by specific location within Camden County due to different municipal and school district boundaries. Special taxing districts may apply additional assessments to properties within their service areas.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Camden 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 Camden County are additional property tax assessments that occur when there are changes to a property's ownership, value, or use during the tax year. These taxes are triggered by events such as new construction completion, major improvements, ownership transfers, or corrections to the original assessment. The supplemental tax represents the difference between what was originally assessed and what should have been assessed based on the property's current status.

For example, if you complete a $50,000 home addition in June, the county assessor will issue a supplemental assessment for the increased property value. The supplemental tax would be calculated by applying the current tax rate (approximately 2.025%) to the additional assessed value, prorated for the remaining months of the tax year. In this case, you might owe an additional $1,012.50 annually ($50,000 × 2.025%), prorated from July through the end of the fiscal year. Supplemental tax bills are typically issued separately from regular tax bills and have their own payment deadlines.

Example Calculation

Example 1: $300,000 Property

Assessed Value: $300,000
Homestead Benefit Applied: Assessment increase capped (if qualified and applied)
Net Taxable Value: $300,000
Tax Rate: 2.025%
Annual Tax: $6,075
Monthly Escrow: $506.25

Example 2: $600,000 Property

Assessed Value: $600,000
Senior/Veteran Credits Applied: -$250 (if qualified and applied)
Net Taxable Value: $600,000
Annual Tax Before Credits: $12,150
Annual Tax After Credits: $11,900
Monthly Escrow: $991.67

Example 3: $1,000,000 Property

Assessed Value: $1,000,000
Available Credits Applied: Varies by eligibility
Net Taxable Value: $1,000,000
Tax Rate: 2.025%
Annual Tax: $20,250
Monthly Escrow: $1,687.50

Note: Tax credits require separate applications and are not automatically applied. Rates vary by specific municipality and special districts within Camden County.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Camden County require property tax escrow accounts, where monthly tax payments are collected along with your mortgage payment and held until tax bills are due. Lenders typically collect 1/12th of your estimated annual property tax bill each month, plus a cushion of up to two months' worth of payments as required by federal law. Your lender will pay your property taxes directly to Camden County when they become due on the quarterly schedule.

Lenders must provide an annual escrow analysis showing how your escrow account has been managed 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. You have the right to review your escrow account annually and request corrections if you believe there are errors. Property owners can verify that their taxes have been paid by checking with Camden County's online tax portal or contacting the tax collector's office directly.

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Section 6

Frequently Asked Questions

Q: When are property taxes due in Camden County for 2025? A: Property taxes are due quarterly on February 1, May 15, August 1, and November 1. Online payments must be made by December 29, 2025, as the tax office closes December 30-31.

Q: What tax credits are available and how do I apply? A: Camden County offers various tax credits including Senior Citizens, Veterans, Disabled Persons, and Homestead Benefits. All credits require separate applications and are not automatic. Contact the Camden County Board of Taxation for specific forms and deadlines.

Q: How does the Homestead Benefit work? A: The Homestead Benefit caps annual assessment increases, not your property's market value. You must file an application to qualify, and it only applies to your principal residence. This benefit limits how much your assessment can increase year-over-year.

Q: How often are properties reassessed in Camden County? A: Camden County conducts periodic reassessments, but there is no set schedule. Property owners receive notice before any reassessment and have the right to appeal assessments they believe are incorrect.

Q: What are the penalties for late payment? A: Late payments incur interest charges and penalties. Interest accrues monthly on unpaid balances, and additional penalties may apply for severely delinquent accounts.

Q: Can I pay my property taxes online? A: Yes, Camden County offers online payment options through their official website. Online payments are accepted until December 29, 2025, with the tax office closing the last two days of the year.

Q: Why do I have special district taxes on my bill? A: Special district taxes fund services like fire protection, libraries, or lighting districts. These vary by location within Camden County based on which special districts serve your specific area.

Q: How do I appeal my property assessment? A: Assessment appeals must be filed with the Camden County Board of Taxation by specific deadlines. You'll need evidence supporting your claim that your property is over-assessed compared to similar properties or market value.

Verified Sources

Backed by 10 Official Government Sources

Every fact in this guide is sourced from official county, state, and federal documents.

Tax Doc

Tax Bill Breakdown 2025chnj.gov

Year: 2025 Municipal User Friendly Budgetcamdennj.gov

County

Camden County Board of Taxation 2025 ABSTRACT OF ...nj.gov

Revenue Collectionscamdennj.gov

Tax Doc

Tax And Sewermerchantvillenj.gov

S1747pub.njleg.gov

2018 Homestead Benefit Applicationnj.gov

Camden 2024nj.gov

S259 S1501 SCSpub.njleg.gov

Bill A4706njleg.state.nj.us

All sources verified as of 2025 Tax Year

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Camden CountyProperty Tax Guide