Updated 2025 Tax Year

Hudson County
Property Tax Guide

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

9 Official Sources

8 min read

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Quick Facts

Tax Rate

2% to 4% of assessed value annually (varies by municipality)

1st Due

Feb 1

2nd Due

May 1

Exemptions

5+ Available

Section 1

How Property Tax Works

Hudson County operates under New Jersey's property tax system, where property taxes serve as the primary funding mechanism for local municipal services, school districts, and county operations. Property owners in Hudson County pay taxes to support essential services including public schools, police and fire departments, road maintenance, libraries, and municipal administration. The county encompasses 12 municipalities, each with its own tax rate structure based on local budgetary needs and property values.

Property tax rates in Hudson County vary significantly by municipality, with effective rates typically ranging from approximately 2% to 4% of assessed value annually. The county assesses all real property at 100% of true market value, meaning your assessed value should reflect the current market value of your property. Hudson County's diverse municipalities, from urban areas like Jersey City and Hoboken to smaller communities like Guttenberg and East Newark, each maintain distinct tax rates reflecting their unique service requirements and property tax bases.

Section 2

What Makes Up Your Tax Bill

Component	Rate Range	Description
Municipal Tax	0.8% - 1.5%	Funds local government services, police, fire, public works, municipal debt service
School Tax	1.2% - 2.0%	Supports local school districts, including operating expenses, capital improvements, and debt service
County Tax	0.3% - 0.6%	Funds county services including courts, sheriff's department, county roads, social services
Library Tax	0.05% - 0.15%	Supports public library systems and services
Fire District Tax	0.1% - 0.3%	Funds fire protection services in applicable districts
Special Assessments	Varies	May include sewer, water, improvement districts, or other special municipal bonds

Note: Actual rates vary by municipality within Hudson County. Total effective rates typically range from 2.5% to 4.2% annually.

Section 3

When Are Property Taxes Due?

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

First Installment

Feb 1

Delinquent after Dec 10

Second Installment

May 1

Delinquent after Apr 10

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 Hudson County are additional tax bills issued when there are mid-year changes to property assessments that affect the current tax year. Common triggers include new construction completion, major renovations that increase property value, subdivision of parcels, or corrections to assessment errors discovered after the original tax bill was issued. When new construction is completed or substantial improvements are made, the county assessor determines the increased value and calculates the proportional tax owed for the remaining months of the current tax year.

The supplemental tax calculation takes the difference between the new assessed value and the original assessed value, multiplies it by the applicable tax rate, and prorates it based on the number of months remaining in the tax year. For example, if a $200,000 addition is completed in July (6 months remaining in the tax year), and the local tax rate is 3%, the supplemental tax would be calculated as: ($200,000 × 3% × 6/12) = $3,000. Supplemental tax bills are typically issued within 60-90 days after the triggering event and have separate due dates from regular property tax installments.

Example Calculation

Example 1: $300,000 Property Value

Assessed Value: $300,000 (100% assessment ratio)
Less Homestead Exemption: -$0 (varies by municipality)
Net Taxable Value: $300,000
Tax Rate: 3.2% (example municipal rate)
Annual Tax: $9,600
Monthly Escrow: $800

Example 2: $600,000 Property Value

Assessed Value: $600,000 (100% assessment ratio)
Less Senior/Veteran Exemptions: -$5,000 (if applicable)
Net Taxable Value: $595,000
Tax Rate: 3.5% (example municipal rate)
Annual Tax: $20,825
Monthly Escrow: $1,735

Example 3: $1,000,000 Property Value

Assessed Value: $1,000,000 (100% assessment ratio)
Less Available Exemptions: -$3,000 (if applicable)
Net Taxable Value: $997,000
Tax Rate: 2.8% (example municipal rate)
Annual Tax: $27,916
Monthly Escrow: $2,326

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Hudson County require property tax escrow accounts for borrowers with less than 20% down payment, though many borrowers choose escrow for convenience regardless of down payment amount. Lenders collect monthly escrow payments equal to 1/12th of the annual property tax bill plus insurance premiums, holding these funds in a separate account to pay taxes when due. Hudson County property taxes are typically paid quarterly or semi-annually depending on the municipality, with lenders making payments directly to the local tax collector on behalf of homeowners.

Lenders must provide annual escrow analysis statements showing the account balance, payments made, and any adjustments needed for the following year. If property taxes increase due to reassessment or rate changes, your monthly escrow payment will be adjusted accordingly, sometimes resulting in a shortage that requires additional payments. Property owners should verify that their lender has paid taxes correctly by checking with their municipal tax collector, as any errors or delays in payment remain the property owner's responsibility and can result in penalties or tax sale proceedings.

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Section 6

Frequently Asked Questions

Q: When are property taxes due in Hudson County? A: Due dates vary by municipality, but generally follow quarterly schedules. Many municipalities have payments due in February, May, August, and November, though some follow different schedules. Contact your local tax collector for specific due dates.

Q: How do I appeal my property assessment? A: File an appeal with the Hudson County Board of Taxation by April 1st, or within 45 days of receiving a new assessment notice. For more information, visit https://www.hudsoncountynj.org/tax-board or contact the County Board of Taxation directly.

Q: What homeowner exemptions are available? A: Common exemptions include senior citizen deductions, veteran exemptions, disability exemptions, and widow/widower deductions. Eligibility and amounts vary by municipality. Contact your local tax assessor's office for specific programs and applications.

Q: What happens if I pay my taxes late? A: Late payments incur interest charges (typically 8% annually) and may result in tax sale proceedings if delinquent for an extended period. Payment penalties and interest begin accruing immediately after the due date.

Q: Can I pay my property taxes online? A: Most Hudson County municipalities offer online payment options through their websites or third-party processors. Check with your local tax collector's office or visit the municipal website for available payment methods.

Q: How often are properties reassessed? A: New Jersey requires periodic reassessments to maintain fair market values, though the frequency varies by municipality. Some areas conduct annual reviews while others may reassess every few years or when major market changes occur.

Q: What if my property has been damaged or destroyed? A: You may be eligible for a tax reduction or abatement. Contact your local tax assessor immediately to report property damage and inquire about filing for an assessment reduction.

Q: How do I verify my tax payment was received? A: Contact your municipal tax collector's office directly, check the municipal website for payment verification systems, or request a receipt if paying in person. Keep all payment confirmations for your records.

Verified Sources

Backed by 9 Official Government Sources

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

County

Hudson County 2025nj.gov

2025 Hudsonnj.gov

Equalization Tablenj.gov

Tax Doc

Paying Your Taxeshudsonny.gov

A2026pub.njleg.gov

Tax Doc

Tax Assessorhobokennj.gov

A1485pub.njleg.gov

A-29-23 Supplemental Respondent Briefnjcourts.gov

A1 2Rpub.njleg.gov

All sources verified as of 2025 Tax Year

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Hudson CountyProperty Tax Guide