Saddle Brook, Bergen County, New Jersey Property Taxes
Property Taxes in Saddle Brook, New Jersey
Median Saddle Brook, New Jersey effective property tax rate: 2.24%, significantly lower than the national median of 1.02%, and lower than the New Jersey state median of 2.88%.
Median Saddle Brook, New Jersey home value: $435,850
Median annual Saddle Brook, New Jersey tax bill: $9,657, higher by $7,257 than the national median property tax bill of $2,400.
How are property taxes in Bergen calculated?
Property taxes in Saddle Brook, 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 Saddle Brook's property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Saddle Brook, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
Saddle Brook, Bergen County, New Jersey Property Tax Bill Calculator
$100,000
$1,500,000
$3,000,000
Median Effective Tax Rate
2.24%
Estimate Property Tax Bill
$9,763
$9,060
How Does the Saddle Brook Property Tax Calculator Work?
Use this Saddle Brook property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Saddle Brook's median effective tax rate of 2.24% — based on actual property records in Bergen County — to generate your estimate.
Enter your property's estimated assessed value — the figure the local assessment system uses to calculate your bill, which reflects any exemptions you hold and is typically lower than your home's market value. Our calculator applies Saddle Brook'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 Saddle Brook: rates range from 2.24% in 07663 to 2.24% in 07663, 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 Saddle Brook.
About Saddle Brook Property Taxes
About Property Taxes in Saddle Brook, Bergen, New Jersey
Saddle Brook’s median effective property tax rate of 2.24% is lower than the New Jersey state median of 2.88% and higher than the national median of 1.02%. This rate reflects the Bergen 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 Saddle Brook. Homeowners in ZIP code 07663 carry a median effective rate of 2.24%, while those in the same ZIP code also pay 2.24%. This reflects how school district boundaries and local assessment districts are drawn across Bergen County. Understanding which part of Saddle Brook you live in can make a meaningful difference to your annual tax bill.
Saddle Brook 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 Saddle Brook, Bergen 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 Saddle Brook'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 Saddle Brook Tax Rate
2.24%
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 Bergen County Tax Rate
2.68%
Median Effective New Jersey Tax Rate
2.88%
Median Effective United States Tax Rate
1.02%
Property Tax Rates Across Saddle Brook, Bergen County, New Jersey
| Zip | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 07663 | 2.09% | 2.18% | 2.24% | 2.24% | 2.25% |
Source: Ownwell
Property Tax Assessment Values Across Saddle Brook, Bergen County, New Jersey
When examining property taxes in Saddle Brook, 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 Bergen 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 Bergen 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 Saddle Brook.
For example, the median home price in Saddle Brook is $435,850, with tax bills ranging significantly across the county. 07663 has the highest median home price at $435,850.
Property Tax Assessment Values Across Saddle Brook, Bergen County, New Jersey
Source: Ownwell
$274,000
$1,234,400
$2,194,800
Median Saddle Brook Market Value
$435,850
Median Bergen County Market Value
$467,100
Median New Jersey Market Value
$288,200
Median United States Market Value
$235,294
Property Tax Assessment Values Across Saddle Brook, Bergen County, New Jersey
| Zip | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 07663 | $344,000 | $385,075 | $435,850 | $514,025 | $609,700 |
Source: Ownwell
Property Tax Bills Across Saddle Brook, Bergen County, New Jersey
Property tax bills in Saddle Brook are based on the assessed value of a home and the local tax rate set by Bergen County and other taxing authorities. The bill is determined by multiplying the assessed market value by the applicable tax rate, so homes with higher assessed values generally face larger tax bills.
In Saddle Brook, the median home price is $435,850, and the median property tax bill is $9,657. That is well above the national median property tax bill of $2,400, showing how local taxes can have a major impact on homeowners. The 25th percentile tax bill is $8,581, while the 75th percentile is $11,250 and the 90th percentile reaches $13,360.
For homeowners, this means property taxes can be one of the largest ongoing housing costs. Because the bill depends on assessed value and local rates, even small changes in valuation can affect what a homeowner pays each year.
Property Tax Bills Across Saddle Brook, Bergen County, New Jersey
Source: Ownwell
$7,492
$13,054
$18,615
Median Saddle Brook Tax Bill
$9,657
Median Bergen County Tax Bill
$11,614
Median New Jersey Tax Bill
$8,638
Median United States Tax Bill
$2,400
Property Tax Bills Across Saddle Brook, Bergen County, New Jersey
| Zip | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 07663 | $7,734 | $8,581 | $9,657 | $11,250 | $13,360 |
Source: Ownwell
Don't miss the deadline to appeal!
Dates | |
|---|---|
| Appeal Deadline | April 1 |
Links | |
|---|---|
| Bergen Tax Assessor | |
| Website | taxrecords-nj.com |