Property Taxes in South Amboy, New Jersey
Median South Amboy, New Jersey effective property tax rate: 5.49%, significantly higher than the national median of 1.02%, and higher than the New Jersey state median of 2.88%.
Median South Amboy, New Jersey home value: $163,100
Median annual South Amboy, New Jersey tax bill: $7,686, $5,286 higher than the national median property tax bill of $2,400.
How are property taxes in Middlesex calculated?
Property taxes in South Amboy, 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 South Amboy's property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in South Amboy, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
How Does the South Amboy Property Tax Calculator Work?
Use this South Amboy property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies South Amboy's median effective tax rate of 5.49% — based on actual property records in Middlesex 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 South Amboy'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 South Amboy: rates range from 5.49% in 08879 to 5.49% in 08879, 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 South Amboy.
About South Amboy Property Taxes
About Property Taxes in South Amboy, Middlesex, New Jersey
South Amboy's median effective property tax rate of 5.49% is higher than the New Jersey state median of 2.88% and higher than the national median of 1.02%. This rate reflects the Middlesex 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 South Amboy. Homeowners in the 08879 ZIP code carry a median effective rate of 5.49%, while those in the same ZIP code pay 5.49%. This spread reflects how school district boundaries and local assessment districts are drawn across Middlesex County. Understanding which part of South Amboy you live in can make a meaningful difference to your annual tax bill.
South Amboy homeowners who believe their assessed value is too high can file a formal appeal with the Tax Assessor before April 1, 2026.
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 South Amboy, Middlesex 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 South Amboy'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 South Amboy Tax Rate
5.49%
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 Middlesex County Tax Rate
5.52%
Median Effective New Jersey Tax Rate
2.88%
Median Effective United States Tax Rate
1.27%
Property Tax Rates Across South Amboy, Middlesex County, New Jersey
| Zip | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 08879 | 3.09% | 3.09% | 5.49% | 5.74% | 5.94% |
Source: Ownwell
Property Tax Assessment Values Across South Amboy, Middlesex County, New Jersey
When examining property taxes in South Amboy, 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 Middlesex 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 Middlesex 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 South Amboy.
For example, the median home price in South Amboy is $163,100, with tax bills ranging significantly across the county. 08879 has the highest median home price at $163,100.
Property Tax Assessment Values Across South Amboy, Middlesex County, New Jersey
Source: Ownwell
$66,900
$316,000
$565,100
Median South Amboy Market Value
$163,100
Median Middlesex County Market Value
$167,900
Median New Jersey Market Value
$288,200
Median United States Market Value
$274,101
Property Tax Assessment Values Across South Amboy, Middlesex County, New Jersey
| Zip | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 08879 | $87,400 | $120,050 | $163,100 | $249,500 | $311,700 |
Source: Ownwell
Property Tax Bills Across South Amboy, Middlesex County, New Jersey
Property tax bills in South Amboy are based on the assessed value of a home, not its market price alone. Local tax rates are applied to that assessment to determine the final bill, so two homes with similar market values can still owe different amounts if their assessments differ. In Middlesex County, the typical home value is $163,100, and the median property tax bill is $7,686 in ZIP code 08879.
Several factors affect what homeowners pay, including the home’s assessed value, local tax rates, and any exemptions or appeals that may change the assessment. The bill can also vary widely across properties, with the 25th percentile at $6,472, the 75th percentile at $9,017, and the 90th percentile at $11,063. For many homeowners, this means property taxes can be a major part of housing costs, especially when bills rise faster than home values.
Property Tax Bills Across South Amboy, Middlesex County, New Jersey
Source: Ownwell
$5,823
$9,221
$12,618
Median South Amboy Tax Bill
$7,686
Median Middlesex County Tax Bill
$8,723
Median New Jersey Tax Bill
$8,638
Median United States Tax Bill
$3,209
Property Tax Bills Across South Amboy, Middlesex County, New Jersey
| Zip | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 08879 | $4,566 | $6,472 | $7,686 | $9,017 | $11,063 |
Source: Ownwell
Don't miss the deadline to appeal!
Dates | |
|---|---|
| Appeal Deadline | April 1 |
Links | |
|---|---|
| Middlesex Tax Assessor | |
| Website | www.taxdatahub.com |