I was curious about Jersey City’s budgetary trends and so created a few high level visuals that I am sharing on CivicParent in case others were interested in understanding these documents in real-time, i.e. relevant to the current budget process in 2023. I wrote a series about the “user friendly” budget in 2020 if you...Continue reading
I dug into Jersey City’s municipal budget (as introduced on May 10th) and wanted to share a visual that I am using to better understand the budget. The one big constraint I find with Jersey City’s budget is that it is “locked” in PDF; I’m a visual thinker so I prefer to view data through...Continue reading
This is part of a 2023 series about property tax in NJ. View the series landing page here. An upfront caveat: the levy is a topic with vast scope beyond what I can and want to cover here. There is a lot more you can reference; for instance, a good read if you have the...Continue reading
New Jersey has 21 county tax boards and I’ve got links to their websites below (links are current as of the writing of this post). Click on a county to see the related information including the county board of taxation websites. These links are current as of March 2023 and are of course subject to...Continue reading
I'm excited to share my first workshop which will happen tomorrow, Sunday March 26th at 2pm in SPU's McIntyre Hall located on JFK Boulevard between Montgomery and Glenwood, which I've mapped below. The deadline for property tax appeals is rapidly approaching in Hudson County (and many other counties, too). To help community members engage the nuance,...Continue reading
This post is from 2023 and so some details are dated / relevant to last year. I will be writing more about tax appeals in 2024. In my previous post I touched upon “implied” market value. In this post I want to touch upon NJ’s “Chapter 123” law which I last wrote about in 2021,...
This post is from 2023 and so some details are dated / relevant to last year. I will be writing more about tax appeals in 2024. In advance of my upcoming property tax appeals workshop on March 26th, I’ve been thinking about how to distill property tax appeals math in the most intuitive way possible....
The tax bill offers a highly personalized context to connect our property (the basis of our property tax) with the larger system of property taxation in the community (which involves the levy, the tax base, and the resulting tax rates). But the tax bill is not entirely transparent as to: determining if the assessed value...Continue reading
To follow the public money and better understand what’s driving your property tax bills, you have to know when to engage the process. Understanding the “when” can take a taxpayer into a series of bureaucratic rabbit holes (I’ve heard this feedback from others and I’ve also experienced it myself), so I want to disclaim upfront:...Continue reading
This post made my head spin a bit … the math and timing is wonky and confusing. I’ve done my best to break it down and welcome dialog and feedback about anything that is unclear. This past week, Jersey City’s municipal council passed its annual 2022 budget with a $112 million increase to the city...Continue reading
I’ve often received the question: how does our town’s property tax compare to the state average? Using the most recently available 2021 statewide data (from the Division of Local Government Services here), I put that visual together below. When viewing the visual, it’s important to note: This visual shows property tax for 3 local governments...Continue reading
This is part of a series about the 2022 Jersey City budget. To see the full series, click here. For a listing of public data used in this post, please see the bottom of the post. Many thanks to those in community who gave feedback about this topic/post and helped improve it from concept to...Continue reading
In this post I’m using 2 public datasets: A: Jersey City’s 2022 Municipal Budget (Introduced) with proposed 2022 revenue and expense, located on the city website here. B: Jersey City’s 2015-2021 Municipal Budget summaries compiled in NJ’s User Friendly Budget Database (Excel file downloadable here). On June 15th, Jersey City released introduced its 2022 budget....Continue reading
On June 15th, Jersey City released introduced its 2022 budget. This is a part of a series about that budget. In this post I’m using three public datasets: A: Jersey City’s 2022 Municipal Budget (Introduced) with proposed 2022 revenue and expense, located on the city website here. B: Jersey City’s 2015-2021 Municipal Budget summaries compiled...Continue reading
On June 15th, Jersey City released introduced its 2022 budget. This is a part of a series about that budget. In this post I’m using two public datasets: A: Jersey City’s 2022 Municipal Budget (Introduced) with proposed 2022 revenue and expense, located on the city website here. B: Jersey City’s 2015-2021 Municipal Budget summaries compiled...Continue reading
The Jersey City municipal budget was introduced last week (June 15th) via resolution 22-4009. For the past three years, I've dug into the municipal budget to better understand it. I write about it and share insights and analysis as I proceed; this year will be the fourth cycle and this year I'm adding some live...Continue reading
The Jersey City Board of Education increased the school tax levy...now what? I'm getting that question from more than a few people so I figured I'd share two tools: A school tax calculator - view an estimate of how your school tax expense will increase in 2022 A 2021 property tax split -- personalized for...Continue reading
Let’s take a look at how a tax bill comes together. It’s an interesting and empowering exercise to tie your local government budgets – and the property taxes needed to fund them – to your personal property tax. Every year, the state publishes town-by-town property tax data here that includes a wealth of information including...Continue reading
On January 26th, 2022 I joined Montclair Councilor-at-large Peter Yacobellis for a zoom webinar about the Montclair municipal (aka town) budget. My portion of the webinar was a teaching about how to engage the public budget file, which is large, complex, but ultimately a primary source for understanding how the local government both collects and...Continue reading
For the past few months I’ve been working with a fantastic group of advocates in Montclair to learn more about their city budget. The visual below is an outgrowth of our work. Through dialog, teaming, and learning together, these views helped us better understand revenue and expense trends within the budget. Some of these visuals...Continue reading
This is an update to my “User Friendly Budget” series with a focus on Montclair. Your town’s user friendly budget must be posted on your town’s website (per state law here). The 5th page of the user friendly budget (“UFB-5”) provides a detailed view of your town’s tax base. This is a very informing lens...Continue reading
This is an update to my “User Friendly Budget” series with a focus on Montclair. Your town’s user friendly budget must be posted on your town’s website (per state law here). The first page of the user friendly budget (“UFB-1”) provides a view of the “average” tax bill in your town. The “average” tax bill is based on...Continue reading
I’m excited to share that I’m currently working with a team of civic advocates in Montclair to help grow awareness around NJ’s User Friendly Municipal Budget. On January 26th at 7pm, we’ll be doing a quick but intense dive into Montclair’s local finance, with a teaching about how to navigate the NJ User Friendly Budget....Continue reading
This is a quick update to my 2021 municipal budget series which I wrote this summer based on the budget introduced in June 2021. On August 31st 2021, the city council approved the budget in its final form with some changes. I wanted to briefly summarize those changes and also close the series with some...
This is part of a series on the 2021 city budget. The spirit of this series is: I’m interested in unpacking the budget and sharing as I go. In that same spirit, I’m sharing interactive Tableau data visualizations that help others dig into the budget. See the full series here. The 2021 budget documents are online here. Some...Continue reading
This is part of a series on the 2021 city budget. The spirit of this series is: I’m interested in unpacking the budget and sharing as I go. In that same spirit, I’m sharing interactive Tableau data visualizations that help others dig into the budget. See the full series here. The 2021 budget documents are online...Continue reading
This is part of a series on the 2021 city budget. The spirit of this series is: I’m interested in unpacking the budget and sharing as I go. In that same spirit, I’m sharing interactive Tableau data visualizations that help others dig into the budget. See the full serieshere. The 2021 budget documents are onlinehere. ...Continue reading
This is part of a series on the 2021 city budget. See the full series here. The 2021 budget documents are online here. In this post I want to look at the proposed 2021 Jersey City budget using three questions as a launch point: How is the budget broken down? Has the budget ever been...
A "levy" is the amount raised in property tax to fund a government budget. Typically, a levy is one of multiple sources of revenue that fund total expense. In 2021, Jersey City is poised to both fully fund its schools and also enter a new paradigm with respect to property tax. Let's review what's happening...Continue reading
Yesterday, Jersey City taxpayers received initial news that the 2021 municipal budget would “cut taxes for Jersey City residents by an average reduction of $967 a year for every household.” The city’s press release is here, currently the only primary information we have (the actual budget file – typically 50+ pages and loaded onto the...
How does my town's tax rate compare to the state average? Where does most of my property tax go - the city, the county, or the schools? How much is my town's taxable real estate ("ratables") worth? These are all reasonable questions and each year, the state publishes data that can answer them. I'm layering...Continue reading
The 2020 property tax tables for calendar year 2020 are now available. This data provides insight into the way municipal, county, and local public school governments share the total tax dollars each year. The dataset at the link contains: Tax base data Tax levy data – this is what I’ve visualized below Tax rate data...
This is post included in both my abatement series and a series about the User Friendly Budget in NJ. We need better disclosures in NJ to understand the impact of tax abatements on the local fiscal landscape, particularly as it relates to public schools. The user friendly budget – mandated by the state starting in...Continue reading
Note: the visualizations below are best viewed on a computer or tablet (vs a phone). Jersey City recently announced it was terminating an abatement on four buildings within the Beacon complex. The reason: “ownership defaulted on an obligation to retain and present employee records, city officials announced.” This is a good reminder that abatements are...Continue reading
Last month (October 2020) the state published the 2019 property tax tables. This is a “look back” at the local property tax landscape in New Jersey. It’s a wonderful treasure trove of public data from municipal, county, and local public school governments including: Tax base data Tax levy data Tax rate data Property appeals data...Continue reading
This is a post in a series about NJ's User Friendly Budget. My intent is to share basic analysis and insights with community as a way to encourage taxpayers to engage with this document and learn more about local public finance. Read the other posts in this series here including how to access your town's UFB and the...Continue reading
This is a post in a series about NJ's User Friendly Budget. My intent is to share basic analysis and insights with community as a way to encourage taxpayers to engage with this document and learn more about local public finance. Read the other posts in this series here including how to access your town's UFB...Continue reading
This is a post in a series about NJ’s User Friendly Budget. My intent is to share basic analysis and insights with community as a way to encourage taxpayers to engage with this document and learn more about local public finance. Read the other posts in this series here including how to access your town’s UFB...Continue reading
This is part of a series about the User Friendly Budget. This is a relatively short post to lay out what’s in the User Friendly Budget. I also want to share some of how I think this file can be used by taxpayers and advocates. As I explained in the first post in this series,...Continue reading
Five years ago, New Jersey began mandating that every municipality* in New Jersey file a “User Friendly Budget (UFB)” as part of the annual budgeting process. This file is “user friendly” for a few reasons: The data is aggregated in unique ways that help us see the structural nature of how the city both collects...Continue reading
I am part of the education team with Jersey City Together and in May 2020 we created a school tax expense calculator to help Jersey City residents understand the personal investment for a $50 million increase to the school levy. Our aim was to the put the power of understand property taxes into taxpayers’ hands. ...
In February 2020 the City Council introduced its 2020 budget (the city has typically approved the annual budget only in the summer / Quarter 3 timeframe — I don’t know the reason for the lag, only that the lag exists). Upon release of the budget, I converted the PDF into Excel and then uploaded to...
To help taxpayers access the annual city budget, I've visualized it the 2019/20 proposed budget in Tableau, a data visualization software. Tableau puts the power of analysis in the user's hands; my hope is that YOU will dig into this budget data and feel empowered to engage, or perhaps more fully engage, the annual budgeting...Continue reading
Every municipality must pay for services that are then consumed by its residents. These services include: Police force (eg the JCPD) Fire department Road maintenance for city roads (a note on roads...in Jersey City, Ocean Avenue, Eerie Street, and Manhattan Avenue are city roads, thus they are maintained with city funds...however JFK Boulevard is a...Continue reading
Every municipality is funded by a mix of income streams, including: Property taxes (everyone pays property tax...you either pay it directly if you're a property owner, or you pay it to your landlord. Your rent includes the cost of property tax) State Aid Local Revenues - these are user-fee income streams like marriage licenses, pet...Continue reading
As we look towards the coming weeks and months, two local governing bodies are undergoing a public budgeting process: The Board of Education will be determining the 2019/20 schools budget. The city of Jersey City will be determining the 2019 municipal budget. A key question is: how can taxpayers engage? How can we peel back...
Every year, the state of NJ publishes property tax data on the Department of Community Affairs website. I have combined all the available data, for tax years 1998 through the most recently published data for 2018, into one tabulation and visualized it in Tableau. This dashboard is intended to provide taxpayers with a bird's eye...
This is a property tax dashboard for NJ residents who may be interested in learning about the property tax profile of their municipality, including: 1) Latest available (Tax Year 2017) property tax metrics available from NJ’s Property Tax portal. 2) Tax base growth chart from 1988 to 2017 – how has your town’s tax base...