Property Taxes in Hardwick, New Jersey
Median Hardwick, New Jersey effective property tax rate: 3.51%, significantly higher than the national median of 1.02%, and higher than the New Jersey state median of 2.88%.
Median Hardwick, New Jersey home value: $256,450
Median annual Hardwick, New Jersey tax bill: $9,007, $6,607 higher than the national median property tax bill of $2,400.
How are property taxes in Sussex calculated?
Property taxes in Hardwick, 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 Hardwick's property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Hardwick, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
How Does the Hardwick Property Tax Calculator Work?
Use this Hardwick property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Hardwick's median effective tax rate of 3.51% — based on actual property records in Sussex County — to generate your estimate.
Enter your property's estimated assessed value — the figure the local assessor uses to calculate your bill, which reflects any exemptions you hold and is typically lower than your home's market value. Our calculator applies Hardwick'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 Hardwick: rates range from 3.51% in 07825 to 3.51% in 07825, 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 Hardwick.
About Hardwick Property Taxes
About Property Taxes in Hardwick, Sussex, New Jersey
Hardwick’s median effective property tax rate of 3.51% is higher than the New Jersey state median of 2.88% and higher than the national median of 1.02%. This rate reflects the Sussex 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 Hardwick. Homeowners in the 07825 ZIP code carry a median effective rate of 3.51%, while those in the same ZIP code pay 3.51%. This spread reflects how school district boundaries and local assessment districts are drawn across Sussex County. Understanding which part of Hardwick you live in can make a meaningful difference to your annual tax bill.
Hardwick homeowners who believe their assessed value is too high can file a formal appeal with the local 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 Hardwick, Sussex 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 Hardwick'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 Hardwick Tax Rate
3.51%
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 Sussex County Tax Rate
2.89%
Median Effective New Jersey Tax Rate
2.88%
Median Effective United States Tax Rate
1.27%
Property Tax Rates Across Hardwick, Sussex County, New Jersey
| Zip | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 07825 | 3.51% | 3.51% | 3.51% | 3.51% | 3.51% |
Source: Ownwell
Property Tax Assessment Values Across Hardwick, Sussex County, New Jersey
When examining property taxes in Hardwick, 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 Sussex 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 Sussex 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 Hardwick.
For example, the median home price in Hardwick is $256,450, with tax bills ranging significantly across the county. 07825 has the highest median home price at $256,450.
Property Tax Assessment Values Across Hardwick, Sussex County, New Jersey
Source: Ownwell
$171,600
$294,725
$417,850
Median Hardwick Market Value
$256,450
Median Sussex County Market Value
$254,000
Median New Jersey Market Value
$288,200
Median United States Market Value
$274,101
Property Tax Assessment Values Across Hardwick, Sussex County, New Jersey
| Zip | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 07825 | $219,980 | $227,075 | $256,450 | $277,725 | $344,250 |
Source: Ownwell
Property Tax Bills Across Hardwick, Sussex County, New Jersey
Hardwick’s property tax bill is based on the assessed value of a home and the local tax rate set for Sussex County and the city. When a property’s market value changes, the assessed value can shift too, which affects the final bill homeowners receive. Local taxing authorities use these assessments to fund services, so the amount owed reflects both the home’s value and the needs of the area.
For Hardwick homeowners, the typical tax burden is high compared with the national median property tax bill of $2,400. With a median home price of $256,450, many residents see bills that are well above the national norm. The tax bill is not a flat charge; it varies based on the property’s assessed value, exemptions, and the local tax rate. That means two similar homes can still owe different amounts if their assessments differ.
Median Hardwick Tax Bill
$9,007
Median Sussex County Tax Bill
$7,164
Median New Jersey Tax Bill
$8,638
Median United States Tax Bill
$3,209
Property Tax Bills Across Hardwick, Sussex County, New Jersey
| Zip | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 07825 | $7,726 | $7,975 | $9,007 | $9,754 | $12,090 |
Source: Ownwell
Don't miss the deadline to appeal!
Dates | |
|---|---|
| Appeal Deadline | April 1 |
Links | |
|---|---|
| Sussex Tax Assessor | |
| Website | www.sussex.nj.us |