Property Taxes in Stone Harbor, New Jersey
Median Stone Harbor, New Jersey effective property tax rate: 0.75%, significantly lower than the national median of 1.02%, and lower than the New Jersey state median of 2.88%.
Median Stone Harbor, New Jersey home value: $1,438,450
Median annual Stone Harbor, New Jersey tax bill: $11,214, $8,814 higher than the national median property tax bill of $2,400.
How are property taxes in Cape May calculated?
Property taxes in Stone Harbor, 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 Stone Harbor's property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Stone Harbor, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
How Does the Stone Harbor Property Tax Calculator Work?
Use this Stone Harbor property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Stone Harbor's median effective tax rate of 0.75% — based on actual property records in Cape May County — to generate your estimate.
Enter your property's estimated assessed value — the figure the local appraisal district uses to calculate your bill, which reflects any exemptions you hold and is typically lower than your home's market value. Our calculator applies Stone Harbor'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 Stone Harbor: rates range from 0.75% in 08247 to 0.75% in 08247, 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 Stone Harbor.
About Stone Harbor Property Taxes
About Property Taxes in Stone Harbor, Cape May, New Jersey
Stone Harbor’s median effective property tax rate of 0.75% is lower than the New Jersey state median of 2.88% and lower than the national median of 1.02%. This rate reflects the Cape May County base levy combined with local school district levies and special assessment districts that vary by subdivision throughout the city.
Property tax rates are not uniform across Stone Harbor. Homeowners in ZIP code 08247 carry a median effective rate of 0.75%, while those in the lowest ZIP code also pay 0.75%. This spread reflects how school district boundaries and local assessment districts are drawn across Cape May County. Understanding which part of Stone Harbor you live in can make a meaningful difference to your annual tax bill.
Stone Harbor homeowners who believe their assessed value is too high can file a formal appeal with the Tax Assessor before the April 1, 2026 deadline each year.
If your estimated bill above 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 Stone Harbor, Cape May 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 Stone Harbor'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 Stone Harbor Tax Rate
0.75%
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 Cape May County Tax Rate
1.55%
Median Effective New Jersey Tax Rate
2.88%
Median Effective United States Tax Rate
1.27%
Property Tax Rates Across Stone Harbor, Cape May County, New Jersey
| Zip | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 08247 | 0.75% | 0.75% | 0.75% | 0.75% | 0.75% |
Source: Ownwell
Property Tax Assessment Values Across Stone Harbor, Cape May County, New Jersey
When examining property taxes in Stone Harbor, 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 Cape May County 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 Cape May County, assessment notices are sent in February 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 Stone Harbor.
For example, the median home price in Stone Harbor is $1,438,450, with tax bills ranging significantly across the county. 08247 has the highest median home price at $1,438,450.
Property Tax Assessment Values Across Stone Harbor, Cape May County, New Jersey
Source: Ownwell
$152,600
$795,525
$1,438,450
Median Stone Harbor Market Value
$1,438,450
Median Cape May County Market Value
$320,700
Median New Jersey Market Value
$288,200
Median United States Market Value
$274,101
Property Tax Assessment Values Across Stone Harbor, Cape May County, New Jersey
| Zip | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 08247 | $468,700 | $749,000 | $1,438,450 | $2,285,925 | $3,072,550 |
Source: Ownwell
Property Tax Bills Across Stone Harbor, Cape May County, New Jersey
Property tax bills in Stone Harbor are based on the assessed value of a home and the local tax rate set by Cape May County and other taxing authorities. When a property’s assessed value rises, the bill can increase even if the homeowner has not sold the home. The median home price in Stone Harbor is $1,438,450, which helps explain why tax bills can be substantial in this market.
Homeowners here face a median property tax bill of $11,214, which is well above the national median property tax bill of $2,400. Bills can vary widely depending on location and assessment details, with the 25th percentile at $5,960 and the 75th percentile at $17,217. At the high end, the 90th percentile reaches $23,037.
Because property taxes are tied to assessed value, even small changes in valuation can affect what homeowners owe each year.
Property Tax Bills Across Stone Harbor, Cape May County, New Jersey
Source: Ownwell
$3,097
$7,212
$11,326
Median Stone Harbor Tax Bill
$11,214
Median Cape May County Tax Bill
$5,073
Median New Jersey Tax Bill
$8,638
Median United States Tax Bill
$3,209
Property Tax Bills Across Stone Harbor, Cape May County, New Jersey
| Zip | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 08247 | $3,803 | $5,960 | $11,214 | $17,217 | $23,037 |
Source: Ownwell
Don't miss the deadline to appeal!
Dates | |
|---|---|
| Appeal Deadline | April 1 |
Links | |
|---|---|
| Cape May Tax Assessor | |
| Website | press.capemaycountynj.gov |