Property tax in Camden County is billed and collected by each of the county’s thirty-seven municipalities, so what you owe depends on where your home sits and what the local assessor says it’s worth. Your annual bill rolls together three separate levies: your town’s budget, the county’s share, and your local school district. In 2025, general tax rates ran from roughly $1.45 per $100 of assessed value in Tavistock to over $8.10 per $100 in Woodlynne.1New Jersey Department of the Treasury. 2025 General Tax Rates
How Your Bill Is Calculated
Two numbers drive everything. The first is your assessed value, set by your municipal tax assessor and meant to reflect market value.2Justia. New Jersey Code 54-4-12 – Assessor Duties Ascertain Persons and Property Taxable In practice, assessments often lag the market, especially in towns that haven’t revalued in years. The second number is your municipality’s general tax rate, applied per $100 of assessed value.3Division of Taxation. NJ Division of Taxation – Statistical Information
The math is simple. A home assessed at $200,000 in a town with a 4.35 rate owes $8,700 for the year. That single rate already combines the municipal, county, and school portions, so you won’t see three separate bills.
Tax Rates by Camden County Municipality
The spread across the county is wide. Some of the lower 2025 rates sat with Pennsauken (2.172), Haddon Township (2.179), and Collingswood (2.231). Cherry Hill came in at 4.348, Camden City at 3.687, and Voorhees at 2.574. At the high end were Hi-Nella (6.764), Audubon Park (6.918), and Woodlynne (8.103).1New Jersey Department of the Treasury. 2025 General Tax Rates
Rate alone can mislead. A town with a high rate but assessments far below market value may produce a bill similar to a town with a low rate and assessments close to market. The New Jersey Division of Taxation publishes updated rate tables each year, which is where to confirm your town’s current figure.
When and How to Pay
Camden County property taxes are billed in four quarterly installments due February 1, May 1, August 1, and November 1. The annual bill typically arrives once, in July, and covers all four quarters. The first two quarters are preliminary estimates; the last two reflect the actual adopted budgets.
Every property carries Block and Lot numbers, and some (condominiums in particular) also carry a Qualifier.4Legal Information Institute. New Jersey Administrative Code 18-12-2.8 – Tax List and Instructions You’ll need those identifiers for any payment. Because collection is municipal, there is no single countywide portal; you pay whichever municipality your property is in. Most towns accept online payments through third-party platforms, with credit cards usually carrying a 2% to 3% convenience fee. Mailed checks and secure drop boxes at the municipal building are the other options. Confirm each quarter posted correctly by checking with your tax collector.
What Happens If You Pay Late
New Jersey municipalities may grant a grace period of up to ten calendar days after each quarterly due date.5Justia. New Jersey Code 54-4-67 – Interest on Delinquent Taxes and Tax Title Liens If the tenth falls on a weekend or holiday, the deadline moves to the next business day. Payments inside the grace period are treated as on time. Most Camden County municipalities adopt the full ten days, but the governing body sets the actual terms, so confirm locally.
Miss the grace period and interest runs from the original due date, not from when the grace period ended. The maximum allowable rate is 8% per year on the first $1,500 of delinquency and 18% per year on anything above that.5Justia. New Jersey Code 54-4-67 – Interest on Delinquent Taxes and Tax Title Liens If your total delinquency exceeds $10,000 at the close of the fiscal year, the municipality can add a year-end penalty of up to 6% of the delinquent amount. That penalty stacks on top of interest, and the combined balance becomes the new base for future interest charges.
Tax Sale and Foreclosure
Delinquent taxes don’t just sit and grow. When they remain unpaid long enough, the municipality is required to sell the debt as a tax lien certificate at public auction, after publishing a list of delinquent properties and running public notice at least four weeks ahead.6New Jersey Division of Local Government Services. Elements of Tax Sales in New Jersey
A tax sale does not transfer ownership. The winning bidder receives a certificate, and you can still redeem the lien by paying what’s owed. If the municipality buys the certificate itself, it can start foreclosure after six months. A private purchaser must wait at least two years.7Justia. New Jersey Code 54-5-86 – Action by Municipality or Other Purchaser to Foreclose Right of Redemption You can redeem until a court enters final judgment. A 2024 state law also lets a homeowner facing foreclosure request a judicial sale before final judgment, which allows recovery of any equity left after the debt and costs are paid.
Deductions and Exemptions That Lower Your Bill
Several New Jersey property tax benefits apply directly to Camden County residents. The paperwork goes to your local assessor.
Veteran’s Deduction
Honorably discharged veterans and qualifying surviving spouses can claim a $250 annual deduction under N.J.S.A. 54:4-8.11.8New Jersey Legislature. New Jersey Statutes 54-4-8.11 – Veterans Tax Deduction File the claim form with your assessor along with a copy of your DD-214.9New Jersey Department of the Treasury. Property Tax Deduction Claim by Veteran or Surviving Spouse Surviving spouses remain eligible as long as they haven’t remarried or formed a new civil union.
Senior Citizen and Disabled Person Deduction
Residents 65 or older, or those permanently and totally disabled, can claim a separate $250 annual deduction under N.J.S.A. 54:4-8.40.10New Jersey Department of the Treasury. New Jersey Assessors Handbook Chapter IV – Tax Deductions and Exemptions – Section: 402 Deduction Senior Citizens Disabled Persons You must own and occupy the home as your primary residence, and your annual income after permitted exclusions cannot exceed $10,000. An eligible veteran over 65 can claim both deductions.
100% Disabled Veteran Exemption
This is the most valuable benefit available. Veterans with a 100% permanent, total, service-connected disability receive a complete exemption from property taxes on their primary home.11NJ Division of Taxation. 100% Disabled Veteran Property Tax Exemption File Form D.V.S.S.E. with your assessor along with VA certification of the disability rating. Surviving spouses who haven’t remarried also qualify when the deceased veteran met the requirements. If the assessor denies the application, you can appeal to the Camden County Board of Taxation using Form A-1 by April 1 of the following year.
ANCHOR
The Affordable New Jersey Communities for Homeowners and Renters program sends relief to residents within certain income limits.12State of New Jersey. Affordable New Jersey Communities for Homeowners and Renters (ANCHOR) For the 2024 filing year, benefits were $1,500 for homeowners earning $150,000 or less, $1,000 for homeowners earning between $150,000 and $250,000, and $450 for renters earning $150,000 or less. The 2025 application has a filing deadline of November 2, 2026. Most eligible filers are auto-filed and receive a confirmation letter; if you don’t get one, you can file electronically or by mail.
Senior Freeze
Senior Freeze reimburses eligible residents for property tax increases above a base-year amount, effectively locking in your taxes at the level they were when you first qualified.13State of New Jersey. NJ Division of Taxation – Senior Freeze (Property Tax Reimbursement) You must be 65 or older or receiving Social Security disability benefits, have lived in your home for the full year, and have paid all property taxes due. The 2025 household income limit is $172,475.14New Jersey Division of Taxation. Senior Freeze (Property Tax Reimbursement) Eligibility Requirements
Stay NJ
Stay NJ reimburses eligible seniors for 50% of their property tax bill, capped at $6,500 for the 2025 benefit year.15State of New Jersey. Stay NJ – Property Tax Relief for Senior Citizens You must be 65 or older, own and occupy your home for the full calendar year, and have household income under $500,000. Social Security disability alone doesn’t qualify you here. Benefits are calculated after your ANCHOR and Senior Freeze amounts and paid in quarterly installments. The 2025 application deadline is November 2, 2026.
Appealing an Assessment That Looks Too High
If your assessed value is higher than what your home would actually sell for, you can challenge it before the Camden County Board of Taxation. The appeal targets the assessed value itself, not the rate or the bill amount. A lower assessment lowers every future bill at that rate, which is where real savings come from.
Deadline and Fee
File on or before April 1 of the tax year. If your municipality recently completed a revaluation or reassessment, the deadline extends to May 1.16Justia. New Jersey Code 54-3-21 – Appeal to County Board of Taxation Petition of Appeal Filing Time for Filing Filing fees are tied to assessed value and currently run from $5 for properties under $150,000 to $150 for properties at $1 million or more.
Evidence
Complete Petition of Appeal Form A-1 and submit evidence that your property’s true market value is lower than the assessed value.17New Jersey Department of the Treasury. New Jersey Division of Taxation – Petition of Appeal Form The strongest evidence is comparable sales of similar properties, dated before October 1 of the year preceding the tax year under appeal. For a 2026 appeal, you’d generally use 2025 sales.18Monmouth County Board of Taxation. Understanding Property Assessment Appeals
A licensed real estate appraiser can prepare a formal appraisal instead. The report must be served on the assessor and every board member at least seven days before the hearing, and the appraiser must be available to testify. The municipal attorney has the right to cross-examine.
Filing and Service
The original Form A-1 goes to the Camden County Board of Taxation. You must also serve a copy on the municipal assessor and the municipal clerk, by certified mail or hand delivery.19New Jersey Department of the Treasury. New Jersey Division of Taxation – Petition of Appeal Form – Section: Filing of Petition Missing the service step is one of the most common ways appeals get dismissed. Keep the certified mail receipts.
Hearing and Judgment
The Board schedules a hearing and sends notice. You present your comparable sales or appraisal evidence to support a lower value. A written judgment typically issues about four weeks after the hearing.20Monmouth County Board of Taxation. Monmouth County Board of Taxation Hearing Summary If you disagree with the result, you have 45 days from the date the judgment is mailed to appeal to the New Jersey Tax Court.21New Jersey Division of Taxation. Assessment and Appeals
Added Assessments After Improvements
Build an addition, finish a basement, or make other improvements that increase value after October 1, and expect an added assessment bill on top of your regular taxes. The assessor sets the taxable value of the improvement as of the first day of the month after completion, and the added tax is prorated for the remaining months of the pre-tax year.22Justia. New Jersey Code 54-4-63.2 – Valuation of Parcels Containing New Structures
Added assessment bills are due in three installments: November 1, February 1, and May 1 of the following year, with the same grace period and interest rules. If the assessor missed your improvement entirely in the prior year, an “omitted added” assessment can arrive covering that earlier period alongside the current-year added assessment. Two bills for the same project is not an error; it’s the assessor catching up.