Clayton, Gloucester County, New Jersey Property Taxes

$774 avg. annual savings

No Upfront Costs

You only pay if we save

Property Taxes in Clayton, New Jersey

Median Clayton, New Jersey effective property tax rate: 2.27%, significantly lower than the national median of 1.02%, and lower than the New Jersey state median of 2.88%.
Median Clayton, New Jersey home value: $254,800
Median annual Clayton, New Jersey tax bill: $6,082, $3,682 higher than the national median property tax bill of $2,400.

How are property taxes in Gloucester calculated?

Property taxes in Clayton, 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 Clayton's property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Clayton, knowing local tax details benefits homeowners and investors.

Last Updated April 13, 2026

Clayton, Gloucester County, New Jersey Property Tax Bill Calculator

Property Assessed Value

$100,000

$1,500,000

$3,000,000

Median Effective Tax Rate

2.27%

Estimate Property Tax Bill

$5,784

$5,367

How Does the Clayton Property Tax Calculator Work?

Use this Clayton property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Clayton's median effective tax rate of 2.27% — based on actual property records in Gloucester County — to generate your estimate.

Enter your property's estimated assessed value — the figure the local assessment office uses to calculate your bill, which reflects any exemptions you hold and is typically lower than your home's market value. Our calculator applies Clayton'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 Clayton: rates are 2.27% in 08312, 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 Clayton.

About Clayton Property Taxes

About Property Taxes in Clayton, Gloucester, New Jersey

Clayton’s median effective property tax rate of 2.27% is lower than the New Jersey state median of 2.88% and higher than the national median of 1.02%. This rate reflects the Gloucester 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 Clayton. Homeowners in the 08312 ZIP code carry a median effective rate of 2.27%, while those in the lowest ZIP code also pay 2.27%. This spread reflects how school district boundaries and local assessment districts are drawn across Gloucester County. Understanding which part of Clayton you live in can make a meaningful difference to your annual tax bill.

Clayton 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 Clayton, Gloucester 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 Clayton's effective property tax rate to other cities in New Jersey and the median property tax rates in New Jersey and the U.S.

Property Tax Rates Across Clayton, Gloucester County, New Jersey

Source: Ownwell

1.23%

3.25%

5.27%

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 Clayton Tax Rate

2.27%

Median Effective Gloucester County Tax Rate

3.50%

Median Effective New Jersey Tax Rate

2.88%

Median Effective United States Tax Rate

1.02%

Property Tax Rates Across Clayton, Gloucester County, New Jersey

Zip	10th Percentile	25th Percentile	Median Tax Rate	75th Percentile	90th Percentile
08312	1.92%	2.10%	2.27%	2.48%	2.88%

Source: Ownwell

Property Tax Assessment Values Across Clayton, Gloucester County, New Jersey

When examining property taxes in Clayton, 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 Gloucester 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 Gloucester County, assessment notices are sent in the spring each year. They'll typically reach your mailbox by the middle of November.

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 Clayton.

For example, the median home price in Clayton is $254,800, with tax bills ranging significantly across the county. 08312 has the highest median home price at $254,800.

Property Tax Assessment Values Across Clayton, Gloucester County, New Jersey

Source: Ownwell

$104,000

$229,550

$355,100

Median Clayton Market Value

$254,800

Median Gloucester County Market Value

$209,300

Median New Jersey Market Value

$288,200

Median United States Market Value

$235,294

Property Tax Assessment Values Across Clayton, Gloucester County, New Jersey

Zip	10th Percentile	25th Percentile	Median Home Price	75th Percentile	90th Percentile
08312	$181,840	$213,950	$254,800	$332,600	$399,560

Source: Ownwell

Property Tax Bills Across Clayton, Gloucester County, New Jersey

Property tax bills in Clayton are determined by multiplying a home’s assessed value by the local tax rate set by Gloucester County and other taxing authorities. The assessed value is based on the property’s market value, so changes in the local housing market can affect what homeowners owe. For many homeowners, this means the bill can rise even if the home has not changed, especially when market values increase.

In Clayton, the median home price is $254,800, and the median property tax bill is $6,082 in ZIP code 08312. That is well above the national median property tax bill of $2,400 and the national median property tax rate of 1.02%. Bills in the area also vary widely, with the 25th percentile at $4,962 and the 75th percentile at $7,583. For homeowners, these taxes can have a major impact on monthly housing costs and overall affordability.

Property Tax Bills Across Clayton, Gloucester County, New Jersey

Source: Ownwell

$3,009

$6,961

$10,912

Median Clayton Tax Bill

$6,082

Median Gloucester County Tax Bill

$7,097

Median New Jersey Tax Bill

$8,638

Median United States Tax Bill

$2,400

Property Tax Bills Across Clayton, Gloucester County, New Jersey

Zip	10th Percentile	25th Percentile	Median Tax Bill	75th Percentile	90th Percentile
08312	$4,106	$4,962	$6,082	$7,583	$8,832

Source: Ownwell

Don't miss the deadline to appeal!

Dates
Appeal Deadline	April 1

Links
Gloucester Tax Assessor
Website	www.gloucestercountynj.gov

Frequently Asked Property Tax Questions in Clayton, New Jersey

How are property taxes calculated in Clayton, New Jersey?

Property taxes in Clayton, New Jersey are calculated by multiplying your property's assessed value by the applicable tax rate set by local taxing authorities. The assessed value is determined by the county assessor and may differ from your property's market value depending on local assessment ratios and exemptions.

How do I appeal my property taxes in Clayton, New Jersey?

To appeal your property taxes in Clayton, New Jersey, you typically need to file a formal protest or appeal with your local appraisal district or assessor's office by the stated deadline. You'll need evidence such as comparable sales, a recent independent appraisal, or documentation of property condition issues. Ownwell can handle this entire process for you.

What property tax exemptions are available in Clayton, New Jersey?

Common property tax exemptions in Clayton, New Jersey include homestead exemptions for primary residences, senior citizen exemptions, veteran exemptions, and disability exemptions. Exemption amounts and eligibility requirements vary by county. Contact your local appraisal district or check Ownwell for details specific to your property.

When are property taxes due in Clayton, New Jersey?

Property tax deadlines in Clayton, New Jersey vary by county but typically include an assessment notice period in spring or early summer, followed by an appeal deadline, and a tax payment due date in the fall or winter. Check with your county assessor's office for specific dates in your area.

How can Ownwell help reduce my property taxes in Clayton, New Jersey?

Ownwell provides professional property tax appeal services in Clayton, New Jersey. Our team analyzes your assessment, gathers evidence, files all paperwork, and represents you at hearings — all with no upfront cost. You only pay a percentage of your savings if we successfully lower your tax bill.