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2025 general tax rate · Union County, NJ
Garwood property tax rate
Garwood's 2025 general tax rate is $2.858 per $100 of assessed value. A property assessed at $300,000 owes $8,574.00 for the year. That ranks 297th highest of New Jersey's 564 municipalities, below the middle, $0.100 per $100 below the $2.960 per $100 state median.
- 1General tax rate $2.858 per $100
- 2Bill on $300,000 assessed $8,574.00
Your Garwood tax bill
The bill before exemptions and credits. Compare every New Jersey rate.
General rate and effective rate in Garwood
New Jersey publishes two rates for every municipality. The general tax rate, $2.858 per $100 in Garwood, is the one applied to the assessed value on the bill: $300,000 assessed owes $8,574.00. The effective tax rate, $2.059 per $100, is "the general property tax adjusted by the municipality's equalization ratio", the rate on market value. Dividing one by the other puts Garwood's assessments at about 72.04% of market value; the state median is 70.02%.
The effective rate is the fairer comparison between towns. On it Garwood ranks 321st of 564, against 297th on the general rate, and sits $0.080 below the $2.140 median effective rate. At 72.04%, a $300,000 assessment corresponds to roughly $416,435 of market value.
Garwood's rate in 2024 and 2025
The general tax rate rose $0.070 per $100 (2.55%) from $2.787 per $100 in 2024, and the same $300,000 assessment owes $213.00 more than at last year's rate. In 2024 Garwood ranked 307th. The effective rate went from $2.255 to $2.059 per $100 (down 8.69%), and the implied ratio from 80.91% to 72.04%: market values rose faster than assessments.
Tax on common assessed values in Garwood
| Assessed value | 2025 bill | At the 2024 rate | Versus NJ median rate |
|---|---|---|---|
| $200,000 | $5,716.00 | $5,574.00 | −$204.00 |
| $300,000 | $8,574.00 | $8,361.00 | −$306.00 |
| $400,000 | $11,432.00 | $11,148.00 | −$408.00 |
| $500,000 | $14,290.00 | $13,935.00 | −$510.00 |
| $750,000 | $21,435.00 | $20,902.50 | −$765.00 |
Each bill is the assessed value divided by 100 and multiplied by $2.858, before exemptions, credits or special charges. These are assessed values, not sale prices: at 72.04% the $300,000 row is a property worth about $416,435. The last column is the difference from the same assessment at the $2.960 per $100 state median.
How Garwood compares in Union County and New Jersey
Among the 21 municipalities in Union County, Garwood ranks 16th highest; the county median is $5.242 per $100, so Garwood sits $2.380 per $100 below it. The next higher rate in the county is Fanwood at $3.120, and the next lower is Springfield Township (Union County) at $2.411. Statewide, 47% of municipalities have a lower general tax rate than Garwood.
Outside Union County, the closest rates are Frelinghuysen Township ($2.858, Warren), Washington Township (Bergen County) ($2.859, Bergen), Bayonne ($2.880, Hudson), Cliffside Park ($2.836, Bergen). Because towns assess at different shares of market value, the effective rate is the better guide to what a house of a given price pays.
Appealing a Garwood assessment
New Jersey appeals go to the Union County Board of Taxation. The petition is due April 1, or May 1 in a year when Garwood implemented a municipal-wide revaluation or reassessment (NJ Division of Taxation). Property assessed above $1,000,000 may go directly to the Tax Court, and a County Board judgment can be appealed to the Tax Court within 45 days. The Board tests the assessment against the common level range: the average ratio plus or minus 15%. Using the 72.04% ratio implied by the state's two rates, that range runs from about 61.23% to 82.85% of market value; the Director's official average ratio for Garwood, which the County Board applies, can differ slightly.
The New Jersey appeal page sets out each step with its source and the ratio arithmetic. This is a summary of the published procedure, not legal advice.
Garwood property tax questions
What is the property tax rate in Garwood, NJ?
Garwood's 2025 general tax rate is $2.858 per $100 of assessed value; its effective rate, on market value, is $2.059 per $100. Source: New Jersey Division of Taxation.
How much is the property tax on a $300,000 assessment in Garwood?
$300,000 ÷ 100 × $2.858 = $8,574.00 a year, before exemptions and credits. At the 2024 rate the same assessment owed $8,361.00.
Is Garwood's tax rate high for New Jersey?
It ranks 297th highest of 564, below the middle of New Jersey municipalities; the median is $2.960 per $100. On the effective rate, which allows for different assessment levels, it ranks 321st.
How do I appeal a Garwood property assessment?
Petition to the County Board of Taxation: by April 1 (May 1 after a municipal-wide revaluation) (NJ Division of Taxation; Guide to Tax Appeal Hearings). Then: county board hearing and judgment (Set by the County Board); appeal to the tax court (Within 45 days of the County Board's judgment).
Source: New Jersey Division of Taxation, 2025 General Tax Rates (general and effective tax rates by county and municipality); prior year from the 2024 General Tax Rates. Appeal steps: NJ Division of Taxation, Assessment and Appeals (updated August 15, 2025); NJ Division of Taxation, A Guide to Tax Appeal Hearings (revised 2022). Last checked October 21, 2026. This page explains published figures; it is not tax or legal advice.