Taxes & Insurance in Somerville
Somerville's real, defining cost is its genuinely elevated property tax rate, layered on top of New Jersey's own already nation-leading statewide average and graduated income tax.
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Learn moreA genuinely elevated effective property tax rate
Somerville's effective property tax rate is 2.581% -- above both Somerset County's own 2.05% average and New Jersey's nation-leading 1.88% statewide average (see new-jersey.js). Somerville's 2025 general tax rate is $4.079 per $100 of assessed value, producing an estimated $11,046 median annual tax bill on a median-assessed home (approximately $270,800).
New Jersey's graduated income tax applies statewide
New Jersey's genuinely graduated seven-bracket income tax (1.4% up to 10.75% above $1,000,000) applies in Somerville exactly as it does statewide -- see new-jersey.js for the full bracket structure.
New Jersey's uniform, simple sales tax
New Jersey's single, uniform 6.625% sales tax rate applies in Somerville with no local county or municipal add-on -- a genuinely simpler structure than several peer states' patchwork sales-tax systems.
No Somerville-specific homeowners-insurance figure independently verified this session
This research pass did not independently verify a Somerville-specific homeowners insurance premium figure -- disclosed as a real gap rather than filled with an invented estimate. See new-jersey.js for the statewide homeowners-insurance cost trend.
Key takeaways
- Somerville's 2.581% effective property tax rate tops both the county and New Jersey's own statewide averages.
- A median-assessed home produces an estimated $11,046 annual property tax bill.
- New Jersey's graduated income tax and uniform 6.625% sales tax apply statewide, including in Somerville.
- No Somerville-specific homeowners-insurance figure was independently verified this session.
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