Englewood’s general property tax rate for 2025 is 3.116 per $100 of assessed value, up from 3.073 in 2024 and 2.924 in 2023.{1NJ.gov. 2025 General Tax Rates} On a home assessed at $400,000, that produces a bill of roughly $12,464 per year before any credits or relief. The headline number is only part of the picture, though. Englewood assessments typically sit well below market value, several programs can reduce what you actually pay, and the appeal and payment deadlines carry real teeth if you miss them.
What the Rate Actually Funds
The 3.116 figure is a combination of three separate levies rolled into one. The municipal portion funds city operations such as police, fire, public works, and garbage collection. The Bergen County portion covers regional services including the county court system, sheriff’s office, and county parks. The school tax funds the Englewood Public School District and is consistently the largest slice of the total.
Each governing body adopts its own budget independently, and the combined result becomes the general tax rate. Your first two quarterly bills of the year are based on a preliminary rate drawn from roughly half the prior year’s total. Once all budgets are certified, the third and fourth quarter bills reflect the final rate, with any difference from the earlier bills folded in. That is why August and November bills often jump compared to February and May.
How the Bill Is Calculated
Your annual tax bill equals your assessed value divided by 100, multiplied by the general tax rate. A home assessed at $350,000 at the 2025 rate works out to 350,000 ÷ 100 × 3.116 = $10,906 per year.
The number that trips up most Englewood homeowners is the gap between assessed value and market value. Englewood’s equalization ratio for 2025 was 65.73%.{2NJ.gov. Table of Equalized Valuations 2025} A home worth $600,000 on the open market might therefore carry an assessed value closer to $394,000. Because the general rate is calibrated to those lower assessed values, the effective burden on true market value is lower than 3.116 suggests. The 2024 effective tax rate per $100 of market value was 2.171, compared with the general rate of 3.073.{3NJ.gov. 2024 General and Effective Tax Rates}
How Your Assessment Is Set
The Englewood Tax Assessor determines each property’s assessed value under the oversight of the Bergen County Board of Taxation. New Jersey law requires real property to be assessed at its full and fair value, meaning the price it would bring in a private sale as of October 1 of the preceding year.{4Justia. New Jersey Code 54:4-23 – Assessment of Real Property} In practice, assessed values lag market prices until a municipality-wide revaluation realigns them.
The assessor weighs lot size, building square footage, construction quality, and the condition of improvements such as a renovated kitchen or added deck. Sales of comparable nearby homes anchor the analysis. Each year, property owners receive a Notification of Assessment postcard mailed around November 15. That card shows the assessment for the upcoming tax year and is your starting point if you want to challenge it. Keep it. The appeal window closes quickly.
Appealing Your Assessment
If you believe your assessed value is too high relative to your home’s market value, you can file an appeal with the Bergen County Board of Taxation. The deadline is April 1 of the tax year, or May 1 if Englewood has undergone a revaluation or reassessment.{5NJ Division of Taxation. Assessment and Appeals} A petition received even one day late is dismissed.
You file a Petition of Appeal (Form A-1) with the county tax board and must also send copies to the municipal assessor and the city clerk. Filing fees scale with assessed value, from $5 for properties under $150,000 up to $150 for those assessed at $1 million or more. One prerequisite catches people off guard: you must be current on your property taxes through at least the first quarter of the current year, or the board can dismiss the appeal.
The strongest evidence is three to five comparable sales, meaning recent arm’s-length transactions of similar homes in or near your neighborhood. Similar means close in square footage, lot size, age, and condition. Estate sales, foreclosures, and family transfers do not count, because those prices reflect circumstances unrelated to market value. If you are not submitting evidence with your petition, you typically must deliver it to the tax board, assessor, and municipal clerk at least seven days before your hearing.
The equalization ratio matters here as well. If your assessment looks high in raw dollars but falls within the accepted range once the 65.73% ratio is applied, the board is unlikely to grant relief. Compare your assessed value against what your home would actually sell for, not against what the number feels like.
Payment Schedule and Grace Period
Englewood property taxes are due in four quarterly installments: February 1, May 1, August 1, and November 1.{6City of Englewood. Tax Collector} Each quarter carries a 10-calendar-day grace period, so a payment received by the 10th avoids interest. If the 10th falls on a weekend or holiday, the grace period extends to the next business day.{7City of Englewood. Tax Office}
Miss the grace period and interest does not start on the 11th. It runs retroactively from the 1st of the month the payment was due. Postmarks do not count; the payment must physically reach the Tax Collector’s office by the deadline.{7City of Englewood. Tax Office} The city must mail a bill to every property owner, but not receiving one does not excuse a late payment. You are legally responsible for finding out what you owe.{8Justia. New Jersey Code 54:4-64 – Delivery of Tax Bills}
If you have a mortgage with an escrow account, your lender collects a portion of the estimated annual bill each month and pays Englewood on your behalf. Verify the quarterly payments were made on time anyway. Lender errors happen, and the penalty falls on the property, not the servicer.
Penalties and Tax Sales
Englewood charges interest on any amount not paid by the end of the grace period. The maximum rate is 8% per year on the first $1,500 of delinquency and 18% per year on anything above that, calculated from the original due date.{6City of Englewood. Tax Collector} These caps are set by state law and apply uniformly.{9FindLaw. New Jersey Code 54:4-67} If the total delinquency exceeds $10,000 by the end of the fiscal year, the city can add a year-end penalty of up to 6%.{10NJ Division of Local Government Services. Elements of Tax Sales in New Jersey}
Unpaid taxes can eventually lead to a tax sale. The city does not sell your house. It sells a tax sale certificate, which is a lien against the property, at a public auction. Bidders compete by accepting progressively lower interest rates on the lien. The winning bidder pays off your delinquent taxes and then earns interest from you when you redeem the certificate. If you do not redeem, the lien holder can begin foreclosure in Superior Court after two years, and a successful foreclosure transfers the deed.{10NJ Division of Local Government Services. Elements of Tax Sales in New Jersey} If you are falling behind, contact the Tax Collector’s office early. Working out an arrangement before the delinquency grows is far cheaper than letting the interest and lien machinery run.
Programs That Reduce What You Pay
Several New Jersey programs offset the Englewood bill through credits, reimbursements, or deductions. None of them changes the rate itself.
ANCHOR
The ANCHOR program (Affordable New Jersey Communities for Homeowners and Renters) provides direct relief to residents who own or rent their main home and meet income limits. Homeowners aged 65 and older, or those receiving Social Security disability benefits, file using Form PAS-1. Most eligible filers under 65 are enrolled automatically and receive a confirmation letter. The deadline for 2025 ANCHOR applications is November 2, 2026.{11NJ Division of Taxation. ANCHOR Program}
Senior Freeze
The Senior Freeze reimburses eligible seniors and disabled residents for property tax increases above their frozen base-year amount. You must meet age, income, and residency requirements as of specific dates. The 2025 deadline is also November 2, 2026.{12NJ Division of Taxation. Senior Freeze Property Tax Reimbursement}
Veterans Deduction and Exemption
Honorably discharged veterans with active-duty service qualify for an annual $250 deduction. Surviving spouses of veterans who died on active duty or were honorably discharged may also qualify, provided they have not remarried. Reservists and National Guard members are eligible only if called to active duty beyond training.{13NJ Division of Taxation. $250 Veterans Property Tax Deduction} Veterans with a 100% service-connected disability may qualify for a full property tax exemption on their primary residence.{14NJ Division of Taxation. 100% Disabled Veteran Property Tax Exemption}
Renewable Energy Exemption
If you install solar panels or another qualifying renewable energy system, the added value is 100% exempt from property taxes. Your bill will not rise because of the installation, even if the system increases market value. Eligible technologies include solar photovoltaic, wind, and geothermal. You apply for a certificate from the local assessor, and the exemption takes effect the following year.{15DSIRE. Property Tax Exemption for Renewable Energy Systems}
Federal Deduction for What You Pay
Englewood property taxes are deductible on your federal return if you itemize instead of taking the standard deduction.{16Internal Revenue Service. New and Enhanced Deductions for Individuals} The deduction falls under the state and local tax (SALT) category, which also includes state income taxes. For 2026, the SALT deduction is capped at $40,400 for most filers and $20,200 for married couples filing separately. The cap phases down for filers with modified adjusted gross income above $505,000 but does not drop below $10,000.
The average residential property tax bill in Englewood was $14,054 as of 2023, so property taxes alone consume a large portion of the SALT cap before state income taxes are counted. Whether itemizing beats the standard deduction depends on your full picture (mortgage interest, charitable contributions, and SALT combined), but for many Englewood homeowners the math works out in favor of itemizing.