Taxes & Insurance in Point Pleasant
Point Pleasant Borough carries a genuinely favorable property-tax rate, while both Point Pleasant municipalities carry real, substantial coastal or tidal flood-insurance costs beyond a standard homeowners policy.
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Learn moreA genuinely favorable Borough tax rate, with a methodology nuance
Point Pleasant Borough's effective property tax rate runs around 1.56% on an equalized basis -- below New Jersey's 1.88% statewide average -- though the Borough assesses property below market value, so the rate against ASSESSED value runs notably higher, around 2%. Point Pleasant Beach runs 1.67% effective, with an $8,325 median annual tax bill, and is mid-revaluation for 2026.
New Jersey's statewide graduated income tax applies
New Jersey taxes income on a genuinely graduated seven-bracket schedule (1.4%-10.75% above $1 million) -- a statewide structure, not a Point Pleasant-specific cost, applying identically in both municipalities.
Real, substantial flood-insurance costs apply in both towns
Point Pleasant Beach's own official disclosure states the entire borough is subject to flooding; Point Pleasant Borough carries its own real tidal-canal flood exposure along its lagoon network. Standard NJ homeowners policies do NOT cover flood damage -- budget separately for flood insurance and confirm current FEMA flood-zone status for any target address.
Key takeaways
- Point Pleasant Borough's 1.56% effective tax rate runs below New Jersey's statewide average.
- Point Pleasant Beach's rate (1.67%) may shift meaningfully once its 2026 revaluation lands.
- New Jersey's statewide income and sales tax apply identically in both municipalities.
- Both towns carry real, disclosed flood exposure requiring separate flood insurance beyond a standard homeowners policy.
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