The Englewood NJ 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 comes out to about $12,464 a year before any credits or relief. Bills are paid in four quarterly installments, and homeowners have appeal rights and several state relief programs that can bring the actual cost down.
What the Rate Actually Covers
Englewood’s tax rate is three separate levies added together: a municipal portion for city services like police, fire, and public works; a Bergen County portion for regional services including the courts and county parks; and a school tax funding the Englewood Public School District. The school tax is consistently the largest slice.
Each governing body adopts its budget independently, and the combined result becomes the general tax rate. Your first two quarterly bills use a preliminary rate based on roughly half of the prior year’s total. Once the final rate is certified, the third and fourth quarter bills reflect the actual rate and reconcile any difference. That’s why August and November bills sometimes jump compared to February and May.
How Your Bill Is Calculated
Your annual bill equals your property’s assessed value divided by 100, then multiplied by the general tax rate. For a home assessed at $350,000 at the 2025 rate: 350,000 ÷ 100 × 3.116 = $10,906 a year.
Here’s the piece that confuses most Englewood homeowners: the assessed value on your bill is not the same as market value. Englewood’s equalization ratio, which measures the relationship between assessed values and actual market prices, was 65.73% for 2025.2NJ.gov. Table of Equalized Valuations 2025 A home worth $600,000 on the open market might carry an assessed value around $394,000. The general rate is calibrated to those lower assessed values, so the effective burden on true market value is lower than the headline rate. The 2024 effective tax rate, expressed per $100 of market value, was 2.171, compared to the general rate of 3.073.3NJ.gov. 2024 General and Effective Tax Rates
How Properties Are Assessed
The Englewood Tax Assessor sets each property’s assessed value under the oversight of the Bergen County Board of Taxation. New Jersey law requires assessment at full and fair value, meaning the price the property 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 often drift behind market prices until a town-wide revaluation resets them.
The assessor weighs lot size, building square footage, construction quality, and the condition of any improvements, then anchors the analysis with comparable nearby sales. Every year, around November 15, property owners receive a Notification of Assessment Postcard showing the total assessment for the upcoming tax year. Hold onto it. The appeal window opens from that number.
Appealing Your Assessment
If your assessed value seems high relative to what the home would actually sell for, 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 Late petitions get dismissed. There is no grace on this.
You file a Petition of Appeal (Form A-1) with the county board and send copies to the municipal assessor and 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 requirement 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 outright.
The strongest evidence is three to five comparable sales: 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 don’t count, because those prices reflect circumstances unrelated to market value. If you’re not submitting evidence with your petition itself, you generally must get it to the tax board, assessor, and municipal clerk at least seven days before the hearing.
The equalization ratio matters at the hearing too. 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 reduce it. Start by comparing your assessed value to what the home would actually sell for, not to what the assessment feels like.
Payment Schedule and Grace Period
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 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 is not calculated from the 11th. It runs retroactively from the 1st of the month the payment was due. Postmarks don’t count either. The payment must be physically received in the Tax Collector’s office by the deadline.7City of Englewood. Tax Office
The Tax Collector’s office accepts in-person payments, mailed checks, drop-box deposits at City Hall, and online payments through the city portal. Credit card transactions carry convenience fees. Englewood must mail tax bills to every property owner, but not receiving a bill does not excuse a late payment. The legal responsibility to find out what you owe is on you.8Justia. New Jersey Code 54:4-64 – Delivery of Tax Bills
If you have a mortgage with an escrow account, your lender collects a share of the estimated annual bill each month and pays the city directly. Even with escrow, verify each quarter was actually paid on time. Servicer mistakes happen, and the penalty attaches to the property, not to the lender.
Late Payment Interest and Tax Sales
Interest on delinquent taxes runs at up to 8% per year on the first $1,500 owed and up to 18% per year on everything above that, calculated from the original due date.6City of Englewood. Tax Collector These caps are set by state law and apply across New Jersey.9FindLaw. New Jersey Code 54:4-67 If the total delinquency on a property exceeds $10,000 at 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
Prolonged delinquency triggers a tax sale. The city doesn’t sell your house; it sells a tax sale certificate, which is a lien against the property, at public auction. The winning bidder pays your delinquent taxes and then earns interest from you when you redeem the certificate. If you don’t 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’re falling behind, call the Tax Collector’s office early. A payment arrangement is easier to negotiate before the delinquency reaches sale.
Property Tax Relief Programs
New Jersey runs several programs that reduce what Englewood homeowners actually pay. None of them lower the tax rate. They provide credits, reimbursements, or deductions that offset the bill.
ANCHOR
The ANCHOR program (Affordable New Jersey Communities for Homeowners and Renters) delivers direct relief to residents who own or rent their main home and meet income limits. Homeowners 65 and older or receiving Social Security disability benefits file using Form PAS-1. Most eligible filers under 65 have their applications filed 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 application deadline is also November 2, 2026.12NJ Division of Taxation. Senior Freeze Property Tax Reimbursement
Veterans Deduction and Disabled Veteran Exemption
Honorably discharged veterans with active-duty service qualify for an annual $250 deduction from their bill. Unremarried surviving spouses of veterans who died on active duty or who were honorably discharged may also qualify. Reservists and National Guard members qualify 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
Solar and Renewable Energy Exemption
Install solar panels or another qualifying renewable energy system on your Englewood home, and the added value is 100% exempt from property taxes. Your bill won’t rise because of the installation, even if the system raises the 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
Deducting Property Taxes Federally
Englewood property taxes are deductible on your federal return if you itemize.16Internal Revenue Service. New and Enhanced Deductions for Individuals The deduction sits under the state and local tax (SALT) category, which also covers state income taxes. For 2026, the SALT deduction is capped at $40,400 for most filers, or $20,200 for married couples filing separately. The cap phases down for filers with modified adjusted gross income above $505,000 but cannot drop below $10,000.
The average residential property tax bill in Englewood was $14,054 as of 2023, so property taxes alone will eat a substantial portion of the SALT cap before state income tax is added. Itemizing pays off when your total itemized deductions, including mortgage interest, charitable contributions, and SALT, exceed the standard deduction. For many Englewood homeowners, they do.