Learn “Tax Appeal Math” to self-advocate for fairness

Your property tax bill can at times be confusing, but that's not your fault. Local governments strive to communicate information, but the content can often be incomplete, lacking context, or presuming a baseline understanding of wonk nuance and math. Let's demystify the key details.

Your tax bill helps fund three local governments

Local property taxes fund our three local governments: the municipality (eg City Hall), the County, and the public schools. Property tax is typically the largest revenue item in each government's annual budget.

Your property tax bill is dependent on a local government "levy" and the "tax base"

Your property tax is dependent on two factors: each local government's local levy and the tax base. This page aims to be taxpayer bill centric, but understanding these other areas (e.g. local government budgets, the tax levies, the tax base, etc) are key context to understanding what drives your tax bill.

Tax appeals require learning a bit of numerator-denominator tax math

A tax appeal attempting to lower your tax assessed value, which in turn can lower your property tax expense. The tax appeal deadline is April 1st each year, must be filed with your local county tax board, and the process to appeal is based on tax math that is understandable with a bit of civic elbow grease. The math is what I aim to help explain on my site, because I believe every taxpayer can do so.

Two approaches to assessing property in 2024 (Jersey City & Monmouth County focus)

Two approaches to assessing property in 2024 (Jersey City & Monmouth County focus)

March 21, 2024
Consumers in 2024 are accustomed to modern technology automation (e.g., Netflix streaming, Chat GPT4, etc) but locals governments are slow ...

NJ Property Tax Dataset, Visualized for 1998 through 2022  (CivicParent work paper)

NJ Property Tax Dataset, Visualized for 1998 through 2022 (CivicParent work paper)

February 23, 2024
This workpaper is a visual of the “Property Tax Tables” available from the NJ Department of Community Affairs (DCA) website ...

NJ's 565 Municipalities & 21 County Tax Boards, Mapped

NJ’s 565 Municipalities & 21 County Tax Boards, Mapped

March 29, 2023
New Jersey has 21 county tax boards and I’ve got links to their websites below (links are current as of ...

Workshop #1: Property Tax Appeals (March 26th @2pm in SPU's McIntyre Hall)

Workshop #1: Property Tax Appeals (March 26th @2pm in SPU’s McIntyre Hall)

March 25, 2023
Location update for the March 26th 2pm Property Tax Appeals Workshop: I'm excited to share my first workshop which will ...

Data Visualization of "Chapter 123" Law

Data Visualization of “Chapter 123” Law

March 25, 2023
This post is from 2023 and so some details are dated / relevant to last year. I will be writing ...

Property Tax Appeals & "Implied" Market Value

Property Tax Appeals & “Implied” Market Value

March 24, 2023
This post is from 2023 and so some details are dated / relevant to last year. I will be writing ...

Your property tax bill & what it's pointing to

Your property tax bill & what it’s pointing to

March 23, 2023
The tax bill offers a highly personalized context to connect our property (the basis of our property tax) with the ...

Property tax dashboard: visualizing tax levies, tax base, & tax rates from 1998-2022

Property tax dashboard: visualizing tax levies, tax base, & tax rates from 1998-2022

February 28, 2023
This data was published by the NJ Department of Community Affairs (that site is here). Each year, the state collects ...

Jersey City's 2022 tax hikes & Q3 and Q4 tax bill flux, explained

Jersey City’s 2022 tax hikes & Q3 and Q4 tax bill flux, explained

October 23, 2022
This post made my head spin a bit … the math and timing is wonky and confusing. I’ve done my ...

Property Revaluation 701: Property Tax Appeal Math...Are You Over-Assessed? A Tax Math Explainer

Property Revaluation 701: Property Tax Appeal Math…Are You Over-Assessed? A Tax Math Explainer

February 12, 2021
This post is meant to help a taxpayer get a jump-start on determining: is my property over-assessed? This post is ...

Open Letter/Comments to Mayor Fulop & City Council: What is being done to pressure-test the need for another citywide revaluation?

Open Letter/Comments to Mayor Fulop & City Council: What is being done to pressure-test the need for another citywide revaluation?

October 7, 2020
Sharing an open letter and thoughts that I read into the record at the City Council meeting on Oct 7, ...

Jersey City Property Tax Appeals: A Civic Step-by-Step Overview

Jersey City Property Tax Appeals: A Civic Step-by-Step Overview

June 7, 2018
For the past 4 years I’ve been researching and writing about property taxes and revaluation (among other topics) on CivicParent ...

Property Tax Rate Math: A Quick Breakdown

Property Tax Rate Math: A Quick Breakdown

February 25, 2018
Understanding the Tax Rate that Drives Your Property Tax Expense General Tax Rate = Total Levy / Tax Base. February ...

Jersey City Together Helped Homeowners Save $40,000+ via Tax Appeal Workshops

Jersey City Together Helped Homeowners Save $40,000+ via Tax Appeal Workshops

September 20, 2017
Jersey City Together Tax Appeal Workshop. In March 2017 I worked with a team of Jersey City Together leaders to ...

Property Revaluation 401: Tax Appeal Math (Chapter 123 Law)

Property Revaluation 401: Tax Appeal Math (Chapter 123 Law)

May 6, 2016
This is part of an ongoing series about property revaluation in Jersey City.  Note: this post presumes an understanding of the equalization ...