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Updated 2025 Tax Year

Gloucester County
Property Tax Guide

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

10 Official Sources
8 min read
Quick Facts
Tax Rate
2.5%-3.2% of assessed value (varies by municipality and school district)
Exemptions
5+ Available
Section 1

How Property Tax Works

Gloucester County, New Jersey operates under a property tax system that serves as the primary funding mechanism for local government services, school districts, and county operations. Property taxes in Gloucester County fund essential services including public education, police and fire protection, road maintenance, libraries, and municipal services. The county uses a market value assessment system where properties are periodically reassessed to reflect current market conditions.

Property tax rates in Gloucester County vary significantly by municipality and special taxing districts within each township or borough. While New Jersey's statewide average effective tax rate is approximately 1%, actual rates in Gloucester County typically range from 2.5% to 3.2% of assessed value depending on your specific location. These variations are due to different municipal budgets, school district funding needs, and special improvement districts. Property owners should note that their exact tax rate depends on their specific address and the combination of municipal, school, county, and any special district taxes that apply to their property.

Section 2

What Makes Up Your Tax Bill

Based on available 2024 data, Gloucester County property tax rates include multiple components that vary by municipality:

ComponentRate RangeDescription
Municipal Tax0.5% - 0.8%Local government services, police, fire, public works
School District Tax1.5% - 2.0%Public education funding, largest component
County Tax0.3% - 0.5%County services, courts, sheriff, county roads
Special Districts0.1% - 0.3%Fire districts, utility authorities, improvement districts
Total Combined Rate2.5% - 3.2%Varies by specific location within county

Note: These rates apply to the 2024 tax year. Rates for 2025 are pending municipal budget approvals. Special taxing districts such as fire districts, sewer authorities, and improvement districts can add additional assessments to your total tax bill. Contact your municipal tax assessor for your exact rate combination.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Gloucester 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 property taxes in Gloucester County are additional tax bills issued when there are changes to a property's assessed value during the tax year. Common triggers include new construction completion, major renovations that add square footage or significantly improve a property, change of ownership that prompts reassessment, or correction of assessment errors discovered mid-year.

When a supplemental assessment is issued, it calculates the difference between the original assessed value and the new assessed value, then applies the current tax rate to that difference. The supplemental tax is prorated based on the number of months remaining in the tax year from the effective date of the change. For example, if a $100,000 addition is completed in July and increases your assessed value by $100,000, you would owe supplemental taxes on that additional value for the remaining 6 months of the tax year at your municipality's combined tax rate.

Example Calculation

Example 1: $300,000 Home

  • Assessed Value: $300,000
  • Senior Citizen Tax Credit Applied: -$250 (requires application)
  • Net Taxable Amount: $299,750
  • Tax Rate (typical): 2.8%
  • Annual Property Tax: $8,393
  • Monthly Escrow: $699

Example 2: $600,000 Home

  • Assessed Value: $600,000
  • Homestead Benefit Applied: -$250 (requires application)
  • Net Taxable Amount: $599,750
  • Tax Rate (typical): 2.9%
  • Annual Property Tax: $17,393
  • Monthly Escrow: $1,449

Example 3: $1,000,000 Home

  • Assessed Value: $1,000,000
  • No Credits Applied: $0
  • Net Taxable Amount: $1,000,000
  • Tax Rate (typical): 3.1%
  • Annual Property Tax: $31,000
  • Monthly Escrow: $2,583

Note: Tax credits shown require annual application and income qualification. Rates vary by specific municipality within Gloucester County.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Gloucester County require property tax escrow accounts for borrowers with less than 20% down payment or upon borrower request. Your lender collects 1/12th of your estimated annual property tax with each monthly mortgage payment and holds these funds in an escrow account. The lender pays your property taxes directly to Gloucester County when they become due, typically in quarterly installments.

Lenders must provide an annual escrow analysis statement showing the previous year's tax payments and projected costs for the coming year. If property taxes increase due to reassessment or rate changes, your monthly escrow payment will be adjusted accordingly. Property owners are responsible for notifying their lender of any tax credits they receive, as these may reduce the required escrow amount. You can verify your tax payments and current balance by contacting your lender or checking the Gloucester County tax records online.

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 property taxes due in Gloucester County for 2024? A: Property taxes are due quarterly. The fourth quarter payment is due November 1st with a grace period until November 10th (or next business day if the 10th falls on a weekend/holiday). Payments must be received by 5:00 PM on the last day of the grace period.

Q: What tax credits are available and do they require application? A: Available tax credits include the Homestead Benefit (up to $250, requires annual application), Senior Citizen Tax Credit (income-qualified, requires application), Veterans' Tax Credit (requires application and discharge papers), and Disabled Person Tax Credit (requires medical documentation and application). None are automatic - all require filing.

Q: How does the Homestead Benefit work? A: The Homestead Benefit is a tax credit that limits annual assessment increases rather than reducing market value. You must file annually to receive this benefit. It caps assessment growth and provides up to $250 in tax relief for qualifying homeowners who occupy their residence.

Q: How often are properties reassessed in Gloucester County? A: Gloucester County conducts countywide reassessments approximately every 10 years, with the last major reassessment completed in recent years. Individual properties may be reassessed due to sales, improvements, or appeals. Assessment notices are typically mailed in January.

Q: How do I appeal my property assessment? A: Assessment appeals must be filed with the Gloucester County Board of Taxation by April 1st following the tax year in question. You can file online or submit Form 1-A with supporting documentation such as recent appraisals or comparable sales data.

Q: What are the penalties for late property tax payments? A: Late payments incur interest charges of 8% per annum from the due date. Additionally, a flat penalty fee may apply. Properties with delinquent taxes may eventually face tax lien sales if payments remain outstanding.

Q: Can I pay my property taxes online? A: Yes, most Gloucester County municipalities offer online payment options through their websites or third-party payment processors. Credit card, debit card, and electronic check payments are typically accepted, though convenience fees may apply.

Q: Why do tax rates vary within Gloucester County? A: Tax rates vary because each municipality sets its own budget for local services, school districts have different funding needs, and special taxing districts (fire districts, utility authorities) serve different areas. Your total rate depends on your specific address and which combination of taxing entities serve your property.

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