Andover, Sussex County, New Jersey Property Taxes

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Property Taxes in Andover, New Jersey

Median Andover, New Jersey effective property tax rate: 3.86%, significantly higher than the national median of 1.02%, and higher than the New Jersey state median of 2.88%.
Median Andover, New Jersey home value: $257,500
Median annual Andover, New Jersey tax bill: $8,512, $6,112 higher than the national median property tax bill of $2,400.

How are property taxes in Sussex calculated?

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

Last Updated April 13, 2026

Andover, Sussex County, New Jersey Property Tax Bill Calculator

Property Assessed Value

$100,000

$1,500,000

$3,000,000

Median Effective Tax Rate

3.86%

Estimate Property Tax Bill

$9,939

$9,224

How Does the Andover Property Tax Calculator Work?

Use this Andover property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Andover's median effective tax rate of 3.86% — based on actual property records in Sussex 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 Andover'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 Andover: rates range from 3.86% in 07821 to 3.86% in 07821, 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 Andover.

About Andover Property Taxes

About Property Taxes in Andover, Sussex, New Jersey

Andover’s median effective property tax rate of 3.86% is higher than the New Jersey state median of 2.88% and higher than the national median of 1.02%. This rate reflects the Sussex 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 Andover. Homeowners in ZIP code 07821 carry a median effective rate of 3.86%, while those in the same ZIP code also pay 3.86%. This reflects how school district boundaries and local assessment districts are drawn across Sussex County. Understanding which part of Andover you live in can make a meaningful difference to your annual tax bill.

Andover 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 Andover, Sussex 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 Andover'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 Andover, Sussex County, New Jersey

Source: Ownwell

1.87%

2.92%

3.97%

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 Andover Tax Rate

3.86%

Median Effective Sussex County Tax Rate

2.89%

Median Effective New Jersey Tax Rate

2.88%

Median Effective United States Tax Rate

1.02%

Property Tax Rates Across Andover, Sussex County, New Jersey

Zip	10th Percentile	25th Percentile	Median Tax Rate	75th Percentile	90th Percentile
07821	1.93%	2.32%	3.86%	3.86%	3.86%

Source: Ownwell

Property Tax Assessment Values Across Andover, Sussex County, New Jersey

When examining property taxes in Andover, 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 Sussex County assessment office 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 Sussex 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 Andover.

For example, the median home price in Andover is $257,500, with tax bills ranging significantly across the county. 07821 has the highest median home price at $257,500.

Property Tax Assessment Values Across Andover, Sussex County, New Jersey

Source: Ownwell

$171,600

$294,725

$417,850

Median Andover Market Value

$257,500

Median Sussex County Market Value

$254,000

Median New Jersey Market Value

$288,200

Median United States Market Value

$235,294

Property Tax Assessment Values Across Andover, Sussex County, New Jersey

Zip	10th Percentile	25th Percentile	Median Home Price	75th Percentile	90th Percentile
07821	$24,860	$176,200	$257,500	$395,600	$553,100

Source: Ownwell

Property Tax Bills Across Andover, Sussex County, New Jersey

Property tax bills in Andover are calculated by applying the local tax rate to a home’s assessed value, which is based on the market value of the property. For homeowners, this means the bill is shaped by both what the home is worth and the tax rate set by local taxing authorities. With a median home price of $257,500, property taxes can still vary widely from one household to another depending on assessment and location.

In Sussex County, the median property tax bill is $8,512.00, and bills can range from $5,558 at the 25th percentile to $13,102 at the 75th percentile, with the 90th percentile reaching $16,967. That is well above the national median property tax bill of $2,400 and the national median property tax rate of 1.02%. For homeowners, a higher assessed value can mean a larger tax bill, making property taxes a major part of the cost of owning a home in Andover.

Property Tax Bills Across Andover, Sussex County, New Jersey

Source: Ownwell

$4,323

$7,475

$10,627

Median Andover Tax Bill

$8,512

Median Sussex County Tax Bill

$7,164

Median New Jersey Tax Bill

$8,638

Median United States Tax Bill

$2,400

Property Tax Bills Across Andover, Sussex County, New Jersey

Zip	10th Percentile	25th Percentile	Median Tax Bill	75th Percentile	90th Percentile
07821	$643	$5,558	$8,512	$13,102	$16,967

Source: Ownwell

Don't miss the deadline to appeal!

Dates
Appeal Deadline	April 1

Links
Sussex Tax Assessor
Website	www.sussex.nj.us

Frequently Asked Property Tax Questions in Andover, New Jersey

How are property taxes calculated in Andover, New Jersey?

Property taxes in Andover, 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 Andover, New Jersey?

To appeal your property taxes in Andover, 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 Andover, New Jersey?

Common property tax exemptions in Andover, 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 Andover, New Jersey?

Property tax deadlines in Andover, 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 Andover, New Jersey?

Ownwell provides professional property tax appeal services in Andover, 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.