---
title: "Garwood Borough, NJ Property Tax: 2025 Rate and Avg Bill"
description: "Garwood Borough, Union County, NJ: 2025 general tax rate 2.858 per $100, average residential bill $11,725. Estimate your own bill and see how it ranks."
url: "https://mcc-solutionsnj.com/tools/nj-property-tax/union-county/garwood-borough"
---

Free tool · Union County, New Jersey

# Garwood Borough property tax: 2025 rate, average bill and calculator

Garwood Borough's general and effective tax rates, average residential bill and assessment ratio from the State's 2025 tables, a calculator set to the borough, and where it ranks in Union County and New Jersey.

**Quick answer.** Garwood Borough, Union County, had a 2025 general tax rate of **2.858** per $100 of assessed value, and the average residential bill was **$11,725** on an average assessment of $410,264. A bill is your **assessed value × 2.858 ÷ 100**. Source: [2025 General Tax Rates](https://www.nj.gov/treasury/taxation/pdf/lpt/gtr/2025taxrates.pdf) and [2025 Average Residential Statistics](https://www.nj.gov/treasury/taxation/pdf/lpt/class4/2025AvgResStat.pdf), NJ Division of Taxation.

General rate (2025)

**2.858**

used to compute a bill

Effective rate (2025)

**2.059**

for comparing towns only

Average residential bill

**$11,725**

12th of 21 in the county

Average ratio

**72.59%**

assessed to true value

## Estimate a Garwood Borough property tax bill

Enter a value to see the 2025 tax at Garwood Borough's general rate.

For the current year's rate and your exact bill, ask the Garwood Borough tax collector. For a different town, use the [statewide calculator](/tools/nj-property-tax-calculator).

## What homes at different prices pay in Garwood Borough

Assessments in Garwood Borough averaged 72.59% of true value, which is why its general rate (2.858) is higher than its effective rate (2.059). A home is not taxed at the general rate on its full market value. The table turns each market value into an assessed value with that 72.59% average ratio ([Amended Table of Equalized Valuations 2025](https://www.nj.gov/treasury/taxation/pdf/lptval/2024/2025TEV.pdf)), then applies the general rate.

| Market value | Est. assessed value | Est. yearly tax | Per month |
| --- | --- | --- | --- |
| $300,000 | $217,770 | **$6,224** | $519 |
| $450,000 | $326,655 | **$9,336** | $778 |
| $600,000 | $435,540 | **$12,448** | $1,037 |
| $800,000 | $580,720 | **$16,597** | $1,383 |
| $1,000,000 | $725,900 | **$20,746** | $1,729 |

Individual assessments vary around the town average, so a home's real assessed value can be higher or lower than the estimate here. The figure on your own bill or assessment notice is the one that counts.

## Garwood Borough by the numbers

- Every $100,000 of assessed value in Garwood Borough carried $2,858 of 2025 tax, or $238 a month.

- The average Garwood Borough home was assessed at $410,264 and billed $11,725, about $977 a month or $2,931 a quarter.

- At the 72.59% average ratio, $410,264 of assessed value stands for roughly $565,180 of market value.

- For tax year 2027, a Garwood Borough home truly worth $450,000 falls inside the certified range when it is assessed between $267,030 and $361,260.

## How Garwood Borough compares

Garwood Borough's 2025 effective tax rate of **2.059** is the 13th highest of 21 Union County municipalities and the 321st highest of 564 in New Jersey. It is below the county median of 2.113 and below the statewide median of 2.140. Its average residential bill of **$11,725** ranks 12th of 21 in the county and 172nd of 563 statewide, $226 less than the median Union County town's $11,951.

The towns closest to it in Union County by effective rate:

| Town | General rate | Effective rate | Avg ratio | Avg residential bill |
| --- | --- | --- | --- | --- |
| [Elizabeth City](/tools/nj-property-tax/union-county/elizabeth-city) | 2.017 | 2.113 | 92.76% | $9,727 |
| [Cranford Township](/tools/nj-property-tax/union-county/cranford-township) | 7.248 | 2.106 | 26.04% | $13,729 |
| **Garwood Borough** | 2.858 | 2.059 | 72.59% | $11,725 |
| [New Providence Borough](/tools/nj-property-tax/union-county/new-providence-borough) | 5.242 | 2.049 | 34.32% | $16,231 |
| [Linden City](/tools/nj-property-tax/union-county/linden-city) | 7.345 | 2.037 | 24.64% | $9,832 |

See [all 21 Union County towns](/tools/nj-property-tax/union-county) in one sortable table.

## If a Garwood Borough assessment looks too high

Assessment appeals go to the **Union County Board of Taxation**: 300 North Avenue East, Westfield, NJ 07090, phone (908) 527-4775 ([State contact list, September 2026](https://www.nj.gov/treasury/taxation/pdf/lpt/cb/ctb-statewide.pdf)). The Division's [appeals page](https://www.nj.gov/treasury/taxation/lpt/lpt-appeal.shtml) gives the filing deadline as April 1, or May 1 when the town has had a revaluation or reassessment.

An owner must show the assessment doesn't fairly reflect true market value or falls outside the common level range. For tax year 2027 the range certified for Garwood Borough is **59.34% to 80.28%**, around an average ratio of 69.81% ([2026 Average Ratios and Common Level Ranges](https://www.nj.gov/treasury/taxation/pdf/lpt/chap123/2027CH123.pdf)). You appeal the assessment, not the tax rate. This page describes the State's published process and is not legal advice.

Related: [NJ senior tax relief checker](/tools/nj-senior-tax-relief-checker) · [NJ property tax relief for seniors](/tools/new-jersey-senior-property-tax-relief) · [NJ SALT deduction calculator](/bookkeeping/nj-salt-deduction-calculator)

Garwood Borough figures above come from the State's published tables ([rates](https://www.nj.gov/treasury/taxation/pdf/lpt/gtr/2025taxrates.pdf), [average residential statistics](https://www.nj.gov/treasury/taxation/pdf/lpt/class4/2025AvgResStat.pdf), [equalized valuations](https://www.nj.gov/treasury/taxation/pdf/lptval/2024/2025TEV.pdf), [2027 ranges](https://www.nj.gov/treasury/taxation/pdf/lpt/chap123/2027CH123.pdf), [definitions](https://www.nj.gov/treasury/taxation/lpt/statdata.shtml)), opened and checked November 2026. Not tax or legal advice, and MCC Solutions is not affiliated with the State, the county board or the borough. Exemptions, deductions, appeals, added assessments and the newer year's rate all change a real bill.

## Common questions

**What is the property tax rate in Garwood Borough, Union County?**

The 2025 general tax rate was 2.858 per $100 of assessed value, from the Division of Taxation's 2025 General Tax Rates table. That is the rate applied to an assessed value. The effective rate, the State's figure for comparing towns, was 2.059.

**What is the average property tax bill in Garwood Borough?**

$11,725 in 2025 on an average residential assessment of $410,264, according to the Division's 2025 Average Residential Statistics. It ranked 12th of 21 in Union County.

**How do I work out my own Garwood Borough property tax?**

Multiply your assessed value by 2.858 and divide by 100. If you only know market value, multiply it by 72.59% first, the town's average ratio of assessed to true value; a $450,000 home works out to about $9,336 a year that way. Your own assessment is on your bill and may sit above or below the average.

**Is this the 2026 rate for Garwood Borough?**

No. It is the 2025 rate, the latest year in the Division's general tax rate table when this page was checked (November 2026). The Garwood Borough tax collector can give you the current year's rate.

**Is Garwood Borough a high-tax town for Union County?**

By effective rate, the State's figure for comparing towns, the borough is 13th highest of 21 in Union County at 2.059; the county's highest is Winfield Township at 23.405 and its lowest is Summit City at 1.475. By average residential bill it is 12th of 21, at $11,725.

Thinking about an appeal?

## NJ Property Tax Appeal Prep Workbook

An Excel workbook with the borough’s certified 2027 common level range (59.34% to 80.28%) built in, a comparable-sales log, a Union County board contact log and an evidence checklist. An organizer, not legal advice.

[Get the workbook ($19)](/toolkits/nj-property-tax-appeal-prep-workbook)

## Need a document notarized for a closing or appeal?

[Book a mobile notary](/notary/#order)[Call (908) 444-6373](tel:+19084446373)