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State Tax Guide 2026
New Jersey Income Tax
New Jersey has a progressive income tax with 7 brackets, ranging from 1.4% to 10.75%. Combined with the highest property taxes in the nation (averaging 2.23%), NJ residents face one of the highest total state tax burdens in the U.S.
10.75%
Top Rate
1.4%
Bottom Rate
2.23%
Avg Property Tax
Progressive
Tax Type
🔢 Free New Jersey Tax Calculators
New Jersey Income Tax Calculator
Calculate your NJ state income tax across all 7 brackets.
New Jersey Paycheck Calculator
Net pay after NJ state and federal withholdings.
New Jersey Take-Home Pay Calculator
Annual take-home for NJ residents.
New Jersey Property Tax Calculator
Estimate NJ property tax — highest in the nation.
New Jersey Self-Employment Tax Calculator
SE tax with NJ state income tax on net earnings.
2026 New Jersey Income Tax Brackets — Single
| Taxable Income | NJ Rate |
|---|---|
| $0 – $20,000 | 1.4% |
| $20,000 – $35,000 | 1.75% |
| $35,000 – $40,000 | 3.5% |
| $40,000 – $75,000 | 5.525% |
| $75,000 – $500,000 | 6.37% |
| $500,000 – $1,000,000 | 8.97% |
| $1,000,000 – — | 10.75% |
New Jersey Property Tax
New Jersey has the #1 highest property taxes in the US, averaging 2.23%of assessed value. For the median NJ home (~$450,000), that's over $10,000/year in property taxes.
| County | Effective Rate | Tax on $400K Home |
|---|---|---|
| Essex (Newark area) | 2.95% | $11,800 |
| Bergen | 2.1% | $8,400 |
| Hudson (Jersey City) | 2.35% | $9,400 |
| Monmouth | 1.89% | $7,560 |
| Ocean | 1.88% | $7,520 |
Property Tax Deduction: NJ allows a deduction of up to $15,000 in property taxes paid on your principal residence as an itemized deduction on your NJ return. The ANCHOR program also provides rebates of $1,500–$1,750 for eligible homeowners.
Key New Jersey Tax Notes
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Social Security Exempt
New Jersey does not tax Social Security benefits for most residents (income-limited for high earners).
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Pension Exclusion
Up to $100,000 of pension/retirement income excluded for married filers 62+ with income under $150,000.
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NJ Earned Income Tax Credit
40% of the federal EITC as an NJ refundable credit for qualifying workers.
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NJ Standard Deduction
NJ does not have a standard deduction. Taxpayers choose from personal exemptions or itemized deductions.
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NJ Inheritance Tax
NJ has an inheritance tax (not estate tax): 0%–16% depending on beneficiary relationship and amount.
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NJ Sales Tax
6.625% state sales tax; reduced to 3.3125% in Urban Enterprise Zones.
Calculate Your New Jersey Tax Burden
NJ income tax + see how property taxes affect your total picture.
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