Rutherford, Bergen County, New Jersey Property Taxes
Property Taxes in Rutherford, New Jersey
Median Rutherford, New Jersey effective property tax rate: 3.04%, significantly higher than the national median of 1.02%, and higher than the New Jersey state median of 2.88%.
Median Rutherford, New Jersey home value: $433,750
Median annual Rutherford, New Jersey tax bill: $13,096, $10,696 higher than the national median property tax bill of $2,400.
How are property taxes in Bergen calculated?
Property taxes in Rutherford, New Jersey are calculated based on the tax assessed value, which is often lower than the actual market value due to property tax exemptions such as the homestead or senior exemption.
Understanding Rutherford's property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Rutherford, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
Rutherford, Bergen County, New Jersey Property Tax Bill Calculator
$100,000
$1,500,000
$3,000,000
Median Effective Tax Rate
3.04%
Estimate Property Tax Bill
$13,186
$12,236
How Does the Rutherford Property Tax Calculator Work?
Use this Rutherford property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Rutherford's median effective tax rate of 3.04% — based on actual property records in Bergen County — to generate your estimate.
Enter your property's estimated assessed value — the figure used to calculate your bill, which reflects any exemptions you hold and is typically lower than your home's market value. Our calculator applies Rutherford's median effective rate across all local levies, providing a more accurate estimate than applying a single county millage rate.
Your bill may vary by ZIP code within Rutherford: rates range from 3.04% in 07070 to 3.04% in 07070, primarily due to differences in school district levies and local assessment districts.
For a more precise estimate, scroll down to explore ZIP code-level tax rate trends across Rutherford.
About Rutherford Property Taxes
About Property Taxes in Rutherford, Bergen, New Jersey
Rutherford’s median effective property tax rate of 3.04% is higher than the New Jersey state median of 2.88% and higher than the national median of 1.02%. This rate reflects Bergen County taxes and local levies that shape what homeowners pay on a $433,750 median home value.
Property tax rates are not uniform across Rutherford. Homeowners in the 07070 ZIP code carry a median effective rate of 3.04%, while the lowest ZIP code is also 3.04%. That means there is no ZIP-code spread in the city, but the local tax burden remains well above the national median property tax bill of $2,400. Rutherford’s median property tax bill is $13,096, which is $10,696 higher than the New Jersey state median tax bill.
Homeowners who believe their assessed value is too high can file an appeal with the Tax Assessor before the April 1, 2026 deadline after notices go out in February.
If your estimated bill seems higher than expected, Ownwell can review your assessment and protest on your behalf. You only pay if we save you money.
Property Tax Rates Across Rutherford, Bergen County, New Jersey
As noted earlier, local government entities set tax rates, which can vary widely within a state.
Why? Because annually, each county estimates its required budget to provide services and divides that by the total value of all taxable property within its jurisdiction. This calculation results in the property tax rate.
While there are votes and laws involved in setting tax rates and budgets, in a nutshell, this is the annual process.
Below, you can compare Rutherford's effective property tax rate to other cities in New Jersey and the median property tax rates in New Jersey and the U.S.
Our median effective property tax rate (tax bill ÷ assessor's market value) accounts for exemptions and deductions, making it more accurate than the general median tax rate, which is the midpoint of statutory rates before adjustments.
Median Effective Rutherford Tax Rate
3.04%
Our median effective property tax rate (tax bill ÷ assessor's market value) accounts for exemptions and deductions, making it more accurate than the general median tax rate, which is the midpoint of statutory rates before adjustments.
Median Effective Bergen County Tax Rate
2.68%
Median Effective New Jersey Tax Rate
2.88%
Median Effective United States Tax Rate
1.02%
Property Tax Rates Across Rutherford, Bergen County, New Jersey
| Zip | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 07070 | 3.04% | 3.04% | 3.04% | 3.04% | 3.04% |
Source: Ownwell
Property Tax Assessment Values Across Rutherford, Bergen County, New Jersey
When examining property taxes in Rutherford, New Jersey, understanding the distinction between market value and assessed value is crucial.
The market value is what a willing buyer would pay to a willing seller in an open and competitive market, often influenced by location, property condition, and economic market trends. The Bergen County tax assessor estimates the market value for tax purposes.
The assessed value is the market value minus any applicable exemptions or limits determined by local laws and offerings. The tax assessed value is the figure used to calculate your property taxes or the amount multiplied by your tax rate to get your tax bill.
Assessment notices:
In Bergen County, assessment notices are sent in the spring each year. They'll typically reach your mailbox by the middle of February.
Each property owner receives an assessment notice that contains both the market value and assessed value, along with an estimate of your property tax bill. By providing insights into how assessed and market values are determined, this section helps property owners navigate their tax responsibilities and understand the valuation processes affecting their property taxes in Rutherford.
For example, the median home price in Rutherford is $433,750, with tax bills ranging significantly across the county. 07070 has the highest median home price at $433,750.
Property Tax Assessment Values Across Rutherford, Bergen County, New Jersey
Source: Ownwell
$274,000
$1,234,400
$2,194,800
Median Rutherford Market Value
$433,750
Median Bergen County Market Value
$467,100
Median New Jersey Market Value
$288,200
Median United States Market Value
$235,294
Property Tax Assessment Values Across Rutherford, Bergen County, New Jersey
| Zip | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 07070 | $300,000 | $375,000 | $433,750 | $502,725 | $584,500 |
Source: Ownwell
Property Tax Bills Across Rutherford, Bergen County, New Jersey
Property tax bills in Rutherford are calculated by applying the local tax rate to a home’s assessed value, which is based on the market value of the property. That means the bill depends on both how much the home is worth and the tax rate set by local governments and school districts.
For homeowners, this can make a big difference from year to year. A higher assessed value or a change in the tax rate can raise the bill, while a lower assessment can reduce it. With a median home price of $433,750, property taxes can be substantial, especially compared with the national median property tax rate of 1.02% and the national median property tax bill of $2,400.
In Rutherford, the 25th percentile tax bill is $11,364, the 75th percentile is $15,210, and the 90th percentile is $17,562. The median tax bill in ZIP code 07070 is $13,096, showing how property taxes can significantly affect monthly housing costs and overall affordability for homeowners.
Median Rutherford Tax Bill
$13,096
Median Bergen County Tax Bill
$11,614
Median New Jersey Tax Bill
$8,638
Median United States Tax Bill
$2,400
Property Tax Bills Across Rutherford, Bergen County, New Jersey
| Zip | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 07070 | $8,971 | $11,364 | $13,096 | $15,210 | $17,562 |
Source: Ownwell
Don't miss the deadline to appeal!
Dates | |
|---|---|
| Appeal Deadline | April 1 |
Links | |
|---|---|
| Bergen Tax Assessor | |
| Website | taxrecords-nj.com |