Harvey Cedars, Ocean County, New Jersey Property Taxes
Property Taxes in Harvey Cedars, New Jersey
Median Harvey Cedars, New Jersey effective property tax rate: 0.98%, significantly lower than the national median of 1.02%, and lower than the New Jersey state median of 2.88%.
Median Harvey Cedars, New Jersey home value: $997,150
Median annual Harvey Cedars, New Jersey tax bill: $9,687, $7,287 higher than the national median property tax bill of $2,400.
How are property taxes in Ocean calculated?
Property taxes in Harvey Cedars, 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 Harvey Cedars's property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Harvey Cedars, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
Harvey Cedars, Ocean County, New Jersey Property Tax Bill Calculator
$100,000
$1,500,000
$3,000,000
Median Effective Tax Rate
0.98%
Estimate Property Tax Bill
$9,772
$9,068
How Does the Harvey Cedars Property Tax Calculator Work?
Use this Harvey Cedars property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Harvey Cedars' median effective tax rate of 0.98% — based on actual property records in Ocean County — to generate your estimate.
Enter your property's estimated assessed value — the figure the local assessment process uses to calculate your bill, which reflects any exemptions you hold and is typically lower than your home's market value. Our calculator applies Harvey Cedars' 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 Harvey Cedars: rates range from 0.98% in 08008 to 0.98% in 08008, 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 Harvey Cedars.
About Harvey Cedars Property Taxes
About Property Taxes in Harvey Cedars, Ocean, New Jersey
Harvey Cedars’s median effective property tax rate of 0.98% is lower than the Ocean County median of 1.02% and higher than the New Jersey state median of 2.88%. This rate reflects the Ocean 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 Harvey Cedars. Homeowners in the 08008 ZIP code carry a median effective rate of 0.98%, while those in the same ZIP code pay 0.98%. This spread reflects how school district boundaries and local assessment districts are drawn across Ocean County. Understanding which part of Harvey Cedars you live in can make a meaningful difference to your annual tax bill.
Harvey Cedars 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 Harvey Cedars, Ocean 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 Harvey Cedars'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 Harvey Cedars Tax Rate
0.98%
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 Ocean County Tax Rate
2.35%
Median Effective New Jersey Tax Rate
2.88%
Median Effective United States Tax Rate
1.02%
Property Tax Rates Across Harvey Cedars, Ocean County, New Jersey
| Zip | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 08008 | 0.98% | 0.98% | 0.98% | 0.98% | 0.98% |
Source: Ownwell
Property Tax Assessment Values Across Harvey Cedars, Ocean County, New Jersey
When examining property taxes in Harvey Cedars, 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 Ocean 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 Ocean County, assessment notices are sent in the spring 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 Harvey Cedars.
For example, the median home price in Harvey Cedars is $997,150, with tax bills ranging significantly across the county. 08008 has the highest median home price at $997,150.
Property Tax Assessment Values Across Harvey Cedars, Ocean County, New Jersey
Source: Ownwell
$105,700
$603,200
$1,100,700
Median Harvey Cedars Market Value
$997,150
Median Ocean County Market Value
$288,500
Median New Jersey Market Value
$288,200
Median United States Market Value
$235,294
Property Tax Assessment Values Across Harvey Cedars, Ocean County, New Jersey
| Zip | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 08008 | $632,830 | $761,475 | $997,150 | $1,396,000 | $1,834,000 |
Source: Ownwell
Property Tax Bills Across Harvey Cedars, Ocean County, New Jersey
Property tax bills in Harvey Cedars are calculated by applying the local tax rate to a home’s assessed value, which is based on the market value of the property. That means the amount you owe depends on how your home is valued and the tax rate set by local taxing authorities.
With a median home price of $997,150, property taxes can be a major expense for homeowners in this Ocean County city. The median tax bill is $9,687, which is far above the national median property tax bill of $2,400. Bills vary widely, with the 25th percentile at $7,390 and the 75th percentile at $13,712, while the 90th percentile reaches $18,079.
These differences show how property taxes can affect homeowners unevenly, especially when home values are high. A higher assessed value usually leads to a higher tax bill, which can make owning a home in Harvey Cedars more expensive over time.
Property Tax Bills Across Harvey Cedars, Ocean County, New Jersey
Source: Ownwell
$2,422
$11,440
$20,458
Median Harvey Cedars Tax Bill
$9,687
Median Ocean County Tax Bill
$6,412
Median New Jersey Tax Bill
$8,638
Median United States Tax Bill
$2,400
Property Tax Bills Across Harvey Cedars, Ocean County, New Jersey
| Zip | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 08008 | $6,155 | $7,390 | $9,687 | $13,712 | $18,079 |
Source: Ownwell
Don't miss the deadline to appeal!
Dates | |
|---|---|
| Appeal Deadline | April 1 |
Links | |
|---|---|
| Ocean Tax Assessor | |
| Website | tax.co.ocean.nj.us |