Updated 2025 Tax Year

Warren County
Property Tax Guide

Everything you need to know about property taxes in Warren 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

51.45¢ per $100 assessed value (county portion only - total effective rates vary by municipality and districts, typically 1.5-3%)

Exemptions

6+ Available

Section 1

How Property Tax Works

Warren County property taxes fund essential local services including public schools, municipal services, county operations, and special districts. The property tax system in New Jersey operates on assessed values determined by local assessors, with taxes calculated by applying the local tax rate to your property's assessed value minus any applicable tax credits.

For the 2025 tax year, Warren County's equalized tax rate is 51.45 cents per $100 of assessed value, representing a decrease of 3.26 cents from the previous year's rate of 54.71 cents. However, your actual tax rate will vary depending on your specific municipality and any special taxing districts in your area, such as school districts, fire districts, or municipal utility authorities. Property owners should expect effective tax rates that may differ from the county rate due to these local variations and district-specific assessments.

The assessment and collection process is administered at the municipal level, with each town's tax assessor responsible for determining property values and the tax collector handling payment processing. Property taxes in Warren County are a significant funding source for local government operations and represent one of the primary ongoing costs of homeownership in the area.

Section 2

What Makes Up Your Tax Bill

Component	Rate (per $100 assessed value)	Description
County General	51.45 cents	Base Warren County levy for FY 2025
Municipal	Varies by town	City/township services, varies significantly
School District	Varies by district	Local and regional school funding
Fire District	Varies by district	Fire protection services where applicable
Library District	Varies by district	Public library services where applicable
Municipal Utilities	Varies by district	Sewer, water authorities where applicable

Note: These rates apply to the 2025 levy year. Your total effective tax rate is the sum of all applicable components for your specific location. Special taxing districts within Warren County can significantly impact your total tax bill, with some areas having combined rates substantially higher or lower than the county base rate. Contact your municipal tax assessor for the exact rate breakdown applicable to your specific property address.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Warren 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 New Jersey may be triggered by new construction, major improvements, or changes in property ownership that affect the assessed value during the tax year. When improvements are made to a property, the municipal assessor may issue an added assessment to capture the increased property value for the remaining portion of the tax year.

The supplemental tax is calculated by taking the difference between the new assessed value and the original assessed value, then applying the current tax rate to that difference. The tax is then prorated based on how many months remain in the tax year after the improvement was completed or the assessment change took effect.

For example, if you completed a $50,000 home addition in July and your municipality assesses it at an additional $45,000 in value, you would owe supplemental taxes on that $45,000 for the remaining months of the tax year. At Warren County's rate of 51.45 cents per $100, this would result in an additional $231.53 annually, or approximately $115.77 for the remaining six months of that tax year.

Example Calculation

Example 1: $300,000 Home

Assessed Value: $300,000
Senior Freeze Credit Applied: -$500 (if qualified and applied)
Net Taxable Value: $299,500
County Rate (51.45 cents per $100): $1,541.03
Total with Municipal/School (estimated 2.5% effective): $7,487.50
Monthly Escrow: $624.00

Example 2: $600,000 Home

Assessed Value: $600,000
Veterans' Exemption Credit: -$250 (if qualified and applied)
Net Taxable Value: $599,750
County Rate (51.45 cents per $100): $3,085.49
Total with Municipal/School (estimated 2.5% effective): $14,993.75
Monthly Escrow: $1,249.00

Example 3: $1,000,000 Home

Assessed Value: $1,000,000
No Credits Applied: $1,000,000
Net Taxable Value: $1,000,000
County Rate (51.45 cents per $100): $5,145.00
Total with Municipal/School (estimated 2.5% effective): $25,000.00
Monthly Escrow: $2,083.00

Note: All tax credits require application and qualification. Municipal and school district rates vary significantly by location within Warren County.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Warren County require borrowers to maintain an escrow account for property tax payments, especially for loans with less than 20% down payment. Your lender collects 1/12 of your estimated annual property tax bill with each monthly mortgage payment, along with homeowners insurance premiums.

Property tax bills in New Jersey are typically issued quarterly, and your lender will pay these bills directly from your escrow account when they become due. The timing varies by municipality within Warren County, but most follow a calendar year schedule with payments due quarterly. Your lender is required to provide an annual escrow analysis showing how your payments were applied and any adjustments needed for the coming year.

If your property taxes increase due to reassessment or rate changes, your lender will adjust your monthly escrow payment accordingly. You'll receive notice of any changes, typically 60 days before the new payment amount takes effect. Property owners should verify that their lender is making timely payments, as you remain ultimately responsible for ensuring taxes are paid even when using an escrow account.

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Section 6

Frequently Asked Questions

Q: When are property taxes due in Warren County for 2025? A: Due dates vary by municipality. Most follow quarterly schedules, but contact your local tax collector for specific dates as they differ across Warren County townships and boroughs.

Q: What tax credits are available and do they require application? A: New Jersey offers several tax credits including Senior Freeze, Veterans' Exemption, and Disabled Persons' Credit. ALL require annual application through your municipal tax assessor's office and are not automatic.

Q: How does the Homestead Benefit work? A: The Homestead Benefit is a tax credit that helps limit assessment increases, not reduce market value. It requires filing an application and caps how much your assessment can increase annually, typically around 10%. You must apply to receive this benefit.

Q: When are properties reassessed in Warren County? A: Reassessment schedules vary by municipality. Some areas conduct reassessments every few years while others may go longer. Contact your local assessor for your area's schedule.

Q: What happens if I pay my property taxes late? A: Late payments incur interest charges, typically 8% annually in New Jersey, plus potential additional penalties. Continued non-payment can lead to tax lien sales.

Q: Can I pay property taxes online in Warren County? A: Online payment availability varies by municipality. Check with your local tax collector's office or municipal website for available payment methods.

Q: How do special district taxes work? A: Special districts (fire, library, utilities) add additional taxes to your bill. These vary significantly by location within Warren County and fund specific local services.

Q: How do I appeal my property assessment? A: Contact your municipal tax assessor first. If unsuccessful, you can appeal to the County Board of Taxation, typically by April 1st, though deadlines vary.

Q: Do senior citizens get automatic tax reductions? A: No reductions are automatic. Seniors may qualify for various credits including Senior Freeze and Senior/Disabled Citizens' programs, but must apply annually.

Q: What happens to my taxes if I make home improvements? A: Major improvements may trigger an added assessment, increasing your taxable value and annual tax bill. The increase is typically based on the improvement's impact on market value.

Verified Sources

Backed by 9 Official Government Sources

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

Tax Doc

Commissioners Adopt 2025 Budget Reducing Tax Ratewarrencountynj.gov

2025 Warrennj.gov

AOR Warren 2025nj.gov

County

BOROUGH OF WASHINGTON, WARREN COUNTY, NJwashingtonboro-nj.gov

State

STATE OF NEW JERSEYpub.njleg.state.nj.us

2018 Homestead Benefit Applicationnj.gov

Bill A1217njleg.state.nj.us

County

Report Printed 2012-09-20 11:36:23 COUNTY OF MORRISmorriscountynj.gov

Bill A3145njleg.state.nj.us

All sources verified as of 2025 Tax Year

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Warren CountyProperty Tax Guide