Paying yearly property taxes is one of many responsibilities that come with homeownership. But varying tax rates across counties, combined with a fluctuating real estate market, can make it difficult to understand your tax obligations.

But don’t let the prospect of taxes deter you from pursuing your American dream! Read on as home and

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breaks down the property tax requirements in your area. In this article, we look at Bergen County property tax information, including how and when to pay your property taxes in

New Jersey’s

most populous county.

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Property tax 101

If you’ve never paid property taxes before, here are the basics:

Property taxes are designated by local government to pay for public and community services—such as law enforcement, education, fire safety, and public health

Most property taxes apply to real property, which refers to land, buildings, and homes

Your property taxes are determined by a local tax assessor who assigns rates based on market values and the local tax rate

Property taxes can change frequently based on market conditions and local budget needs

Basically, your property taxes provide funding for local governments to operate. In turn, you receive the benefits of your local government services.

MORE:

Is car insurance tax deductible?

What is the property tax rate in Bergen County?

Bergen County’s average tax rate is 1.76% of assessed home values—making it the fourth highest county for property taxes in the state of New Jersey, which has an overall average property tax rate of 1.89%. The average homeowner pays $8,489 a year in property taxes in Bergen County.

How Bergen County property taxes are determined

Property tax rates in Bergen County are determined by the local tax assessor. The tax assessor looks at the size and quality of the construction or house, the size of land, and other factors to come up with a value for your property. This number is multiplied by the current tax rate to determine your property tax amount.

There are 70 municipalities in Bergen County. Tax rates are determined yearly by each municipality and will vary across the county.

Each July, you will receive a bill from your local tax collector, to be paid in quarterly installments. If you think your property’s value has been calculated incorrectly, you have the option of

appealing the assessment

online.

Some homeowners may qualify for a

reduction in property tax

under New Jersey law. New Jersey offers a

Homestead Benefit Program

, tax relief programs for

senior citizens

and those who are disabled, as well as

other deductions and exemptions

for veterans.

What do Bergen County property taxes pay for?

Bergen County puts property taxes toward a variety of services, including the following:

K-12 and community education

Public housing

Transportation

Roads and highways

Law enforcement

Public health

Public libraries

Regional sewer system

Mosquito control

Watershed management

Museums

MORE:

How to deduct a car accident from your taxes

How to pay property taxes in Bergen County

Bergen County homeowners pay their property taxes quarterly, with payments due February 1st, May 1st, August 1st, and November 1st.

Taxpayers in Bergen County have a few convenient options for paying property taxes. You can pay online, by mail, in person, or through your mortgage payment. Here’s how:

Online: You can pay

Bergen County property taxes online

—be aware that convenience fees do apply for eChecks, credit, or debit cards.

Direct withdrawal: You can

enroll in a direct withdrawal program

where the county withdraws your taxes quarterly from your bank account.

By mail: Make your check payable to the Bergen County Tax Collector and send it to: Township of North Bergen, Tax Collector’s Office, 4233 Kennedy Blvd., North Bergen, New Jersey 07047.

Through your mortgage: Bergen County will send tax information to your mortgage lender if you choose to include your property taxes in your mortgage payment. Check with your lender to set this up.

MORE:

New Jersey car insurance laws—all you need to know

How to save money on homeowners and car insurance in New Jersey

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FAQs

When are property taxes due in Bergen County?

Bergen County property taxes are due quarterly, with payments due February 1st, May 1st, August 1st, and November 1st each year. There is a 10-day grace period for payments. On the eleventh day, penalties will be assessed.

How do I get my New Jersey property tax statement?

Property tax statements are sent via the US post office every July and contain four quarterly payments.

Are property taxes high in Bergen County?

Property taxes in Bergen County average about $8,489 a year, which is one of the highest tax rates in the United States.

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