Home / New Jersey / Bergen County / Upper Saddle River
2025 general tax rate · Bergen County, NJ
Upper Saddle River property tax rate
Upper Saddle River's 2025 general tax rate is $2.590 per $100 of assessed value. A property assessed at $300,000 owes $7,770.00 for the year. That ranks 338th highest of New Jersey's 564 municipalities, below the middle, $0.370 per $100 below the $2.960 per $100 state median.
- 1General tax rate $2.590 per $100
- 2Bill on $300,000 assessed $7,770.00
Your Upper Saddle River tax bill
The bill before exemptions and credits. Compare every New Jersey rate.
General rate and effective rate in Upper Saddle River
New Jersey publishes two rates for every municipality. The general tax rate, $2.590 per $100 in Upper Saddle River, is the one applied to the assessed value on the bill: $300,000 assessed owes $7,770.00. The effective tax rate, $1.750 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 Upper Saddle River's assessments at about 67.57% of market value, well below market value, the sign of a town that has not revalued recently; the state median is 70.02%.
The effective rate is the fairer comparison between towns. On it Upper Saddle River ranks 434th of 564, against 338th on the general rate, and sits $0.390 below the $2.140 median effective rate. At 67.57%, a $300,000 assessment corresponds to roughly $443,984 of market value.
Upper Saddle River's rate in 2024 and 2025
The general tax rate rose $0.040 per $100 (1.73%) from $2.546 per $100 in 2024, and the same $300,000 assessment owes $132.00 more than at last year's rate. In 2024 Upper Saddle River ranked 353rd. The effective rate went from $1.788 to $1.750 per $100 (down 2.13%), and the implied ratio from 70.23% to 67.57%: market values rose faster than assessments.
Tax on common assessed values in Upper Saddle River
| Assessed value | 2025 bill | At the 2024 rate | Versus NJ median rate |
|---|---|---|---|
| $200,000 | $5,180.00 | $5,092.00 | −$740.00 |
| $300,000 | $7,770.00 | $7,638.00 | −$1,110.00 |
| $400,000 | $10,360.00 | $10,184.00 | −$1,480.00 |
| $500,000 | $12,950.00 | $12,730.00 | −$1,850.00 |
| $750,000 | $19,425.00 | $19,095.00 | −$2,775.00 |
Each bill is the assessed value divided by 100 and multiplied by $2.590, before exemptions, credits or special charges. These are assessed values, not sale prices: at 67.57% the $300,000 row is a property worth about $443,984. The last column is the difference from the same assessment at the $2.960 per $100 state median.
How Upper Saddle River compares in Bergen County and New Jersey
Among the 70 municipalities in Bergen County, Upper Saddle River ranks 29th highest; the county median is $2.360 per $100, so Upper Saddle River sits $0.230 per $100 above it. The next higher rate in the county is Hasbrouck Heights at $2.657, and the next lower is Montvale at $2.552. Statewide, 40% of municipalities have a lower general tax rate than Upper Saddle River.
Outside Bergen County, the closest rates are Berkeley Township ($2.590, Ocean), Chester Township ($2.587, Morris), Irvington Township ($2.587, Essex), South Orange Village ($2.584, Essex). 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 Upper Saddle River assessment
New Jersey appeals go to the Bergen County Board of Taxation. The petition is due April 1, or May 1 in a year when Upper Saddle River 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 67.57% ratio implied by the state's two rates, that range runs from about 57.43% to 77.71% of market value; the Director's official average ratio for Upper Saddle River, 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.
Upper Saddle River property tax questions
What is the property tax rate in Upper Saddle River, NJ?
Upper Saddle River's 2025 general tax rate is $2.590 per $100 of assessed value; its effective rate, on market value, is $1.750 per $100. Source: New Jersey Division of Taxation.
How much is the property tax on a $300,000 assessment in Upper Saddle River?
$300,000 ÷ 100 × $2.590 = $7,770.00 a year, before exemptions and credits. At the 2024 rate the same assessment owed $7,638.00.
Is Upper Saddle River's tax rate high for New Jersey?
It ranks 338th 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 434th.
How do I appeal a Upper Saddle River 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.