If you own a home in Camden County, you already know property taxes are a big part of the monthly budget. Camden County's effective tax rate runs around 3%, one of the highest in New Jersey. The good news: there are real ways to lower what you pay, and a key deadline is coming up fast.

I'm Jerry Mac with Keller Williams Realty. I've spent 23 years helping South Jersey homeowners buy and sell, and property taxes come up in almost every conversation I have. Here's what you need to know.

How Your Camden County Tax Bill Is Figured

Your bill is your home's assessed value times your town's general tax rate, divided by 100. For example, a home assessed at $300,000 in a town with a general rate of 3.5 would owe about $10,500 a year.

Two things to know:

  • Your assessed value isn't the same as market value. It's what your town's assessor says your home is worth for tax purposes, and it can be higher or lower than what your home would actually sell for.
  • The rate depends on your town. Each municipality's rate combines county, town and school budgets, so two similar homes a few miles apart can have very different tax bills.

What Camden County Homeowners Actually Pay

The typical Camden County tax bill runs roughly $7,000 to $8,000 a year, but it varies enormously by town. In 2024, the average bill in Camden City was $2,072, the lowest in the county, while Tavistock's average was $37,918, the highest.

The November 2 Deadline Seniors Can't Miss

If you're 65 or older, or receive Social Security disability, New Jersey has three property tax relief programs, and you apply for all of them with one form, the PAS-1:

  • ANCHOR: a benefit for homeowners and renters across a wide income range.
  • Senior Freeze: reimburses eligible seniors and disabled homeowners for tax increases above a base year.
  • Stay NJ: for homeowners 65 and older with income up to $200,000, it covers 50% of your property taxes, up to $6,500 a year.

The deadline to file the PAS-1 is November 2, 2026. You can apply online at propertytaxrelief.nj.gov. If you're under 65 and not on disability, you generally don't file the PAS-1; ANCHOR usually comes to you through a separate process.

Many eligible homeowners never apply because they assume they earn too much or the paperwork looks complicated. If you might qualify, it's worth checking.

Think Your Assessment Is Too High? You Can Appeal

If your assessed value is higher than what your home would sell for, you may be able to appeal. In Camden County, the deadline to file an appeal is April 1 each year (or May 1 in a year your town completes a revaluation). Appeals go to the Camden County Board of Taxation.

The strongest appeal is backed by recent sales of similar homes nearby. That's exactly what I pull every day. If you're considering an appeal, I'm happy to show you what comparable homes in your neighborhood have sold for, free, so you can decide whether it's worth filing.

How Property Taxes Affect Selling Your Home

Buyers look at the tax bill as closely as the price, because it's part of their monthly payment. When I price a home in Camden County, I factor in how its taxes compare with similar homes nearby. At closing, taxes are split between buyer and seller based on the closing date, so you only pay for the time you owned the home. Thinking about selling? See how I help South Jersey sellers or read my guide to selling your home in Cherry Hill.

Let's Talk About Your Home

Whether you're trying to lower your taxes, deciding whether to stay or sell, or just curious what your home is worth, I'm happy to help. No pressure and no obligation.

I sell homes throughout Camden County, including Cherry Hill, Voorhees, Haddonfield, Haddon Heights, Collingswood, Audubon, Gibbsboro, Somerdale and Stratford, plus nearby Burlington County towns like Moorestown, Mount Laurel, Marlton and Cinnaminson.

Call or text me at 856-220-1874, or get a free home value report at www.southjerseyrealty.com.

This article is for general information only and isn't tax or legal advice. For questions about your specific bill, contact your town's tax assessor or a tax professional.