Phillipsburg, Warren County, New Jersey Property Taxes
Property Taxes in Phillipsburg, New Jersey
Median Phillipsburg, New Jersey effective property tax rate: 4.20%, significantly higher than the national median of 1.02%, and higher than the New Jersey state median of 2.88%.
Median Phillipsburg, New Jersey home value: $151,600
Median annual Phillipsburg, New Jersey tax bill: $5,371, higher than the national median property tax bill of $2,400.
How are property taxes in Warren calculated?
Property taxes in Phillipsburg, 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 Phillipsburg's property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Phillipsburg, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
Phillipsburg, Warren County, New Jersey Property Tax Bill Calculator
$100,000
$1,500,000
$3,000,000
Median Effective Tax Rate
4.2%
Estimate Property Tax Bill
$6,367
$5,909
How Does the Phillipsburg Property Tax Calculator Work?
Use this Phillipsburg property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Phillipsburg's median effective tax rate of 4.20% — based on actual property records in Warren County — to generate your estimate.
Enter your property's estimated assessed value — the figure the local assessment 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 Phillipsburg'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 Phillipsburg: rates range from 4.20% in 08865 to 4.20% in 08865, 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 Phillipsburg.
About Phillipsburg Property Taxes
About Property Taxes in Phillipsburg, Warren, New Jersey
Phillipsburg's median effective property tax rate of 4.20% is higher than the New Jersey state median of 2.88% and higher than the national median of 1.02%. This rate reflects the Warren 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 Phillipsburg. Homeowners in the 08865 ZIP code carry a median effective rate of 4.20%, while those in the lowest ZIP also pay 4.20%. This spread reflects how school district boundaries and local assessment districts are drawn across Warren County. Understanding which part of Phillipsburg you live in can make a meaningful difference to your annual tax bill.
Phillipsburg 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 Phillipsburg, Warren 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 Phillipsburg'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 Phillipsburg Tax Rate
4.20%
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 Warren County Tax Rate
3.55%
Median Effective New Jersey Tax Rate
2.88%
Median Effective United States Tax Rate
1.02%
Property Tax Rates Across Phillipsburg, Warren County, New Jersey
| Zip | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 08865 | 2.70% | 2.86% | 4.20% | 4.20% | 4.21% |
Source: Ownwell
Property Tax Assessment Values Across Phillipsburg, Warren County, New Jersey
When examining property taxes in Phillipsburg, 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 Warren County tax authority 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 Warren County, assessment notices are sent in the spring each year. They'll typically reach your mailbox by the middle of January.
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 Phillipsburg.
For example, the median home price in Phillipsburg is $151,600, with tax bills ranging significantly across the county. 08865 has the highest median home price at $151,600.
Property Tax Assessment Values Across Phillipsburg, Warren County, New Jersey
Source: Ownwell
$144,350
$238,125
$331,900
Median Phillipsburg Market Value
$151,600
Median Warren County Market Value
$206,900
Median New Jersey Market Value
$288,200
Median United States Market Value
$235,294
Property Tax Assessment Values Across Phillipsburg, Warren County, New Jersey
| Zip | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 08865 | $70,420 | $107,300 | $151,600 | $206,900 | $286,680 |
Source: Ownwell
Property Tax Bills Across Phillipsburg, Warren County, New Jersey
Property tax bills in Phillipsburg are calculated by applying the local tax rate to a home’s assessed value, which is based on the market value of the property. The bill can also reflect local levies for schools, county services, and municipal budgets, so two homes with similar market values may still receive different tax bills if their assessments or taxing districts differ.
With a median home price of $151,600, Phillipsburg homeowners face property tax bills that are well above the national median property tax bill of $2,400. The local median tax bill is $5,371, and bills commonly range from $4,069 at the 25th percentile to $7,006 at the 75th percentile, with the 90th percentile reaching $9,137.
For homeowners, this means property taxes can be a major part of housing costs. A higher assessed value usually leads to a higher bill, while an incorrect assessment can make taxes even more expensive than they should be.
Median Phillipsburg Tax Bill
$5,371
Median Warren County Tax Bill
$7,155
Median New Jersey Tax Bill
$8,638
Median United States Tax Bill
$2,400
Property Tax Bills Across Phillipsburg, Warren County, New Jersey
| Zip | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 08865 | $2,832 | $4,069 | $5,371 | $7,006 | $9,137 |
Source: Ownwell
Don't miss the deadline to appeal!
Dates | |
|---|---|
| Appeal Deadline | April 1 |
Links | |
|---|---|
| Warren Tax Assessor | |
| Website | www.warrencountynj.gov |