New Jersey transfer tax
New Jersey charges a graduated Realty Transfer Fee (RTF) on every deed, about 0.4%–0.78% under $350,000 and roughly 1%–1.2% above that. Sales of homes over $1 million also owe the Graduated Percent Fee (formerly the "mansion tax") of 1%–3.5% of the entire price. Since July 10, 2025 the seller is legally responsible for both.
No county or municipal transfer taxes; the RTF is collected by the county clerk/register and partly shared with counties.
Highest totals in New Jersey on a $400,000 sale
Find your county
| Place | County | Total rate | Tax on $400,000 |
|---|---|---|---|
| Atlantic County | 0.804% | $3,215 | |
| Bergen County | 0.804% | $3,215 | |
| Burlington County | 0.804% | $3,215 | |
| Camden County | 0.804% | $3,215 | |
| Cape May County | 0.804% | $3,215 | |
| Cumberland County | 0.804% | $3,215 | |
| Essex County | 0.804% | $3,215 | |
| Gloucester County | 0.804% | $3,215 | |
| Hudson County | 0.804% | $3,215 | |
| Hunterdon County | 0.804% | $3,215 | |
| Mercer County | 0.804% | $3,215 | |
| Middlesex County | 0.804% | $3,215 | |
| Monmouth County | 0.804% | $3,215 | |
| Morris County | 0.804% | $3,215 | |
| Ocean County | 0.804% | $3,215 | |
| Passaic County | 0.804% | $3,215 | |
| Salem County | 0.804% | $3,215 | |
| Somerset County | 0.804% | $3,215 | |
| Sussex County | 0.804% | $3,215 | |
| Union County | 0.804% | $3,215 | |
| Warren County | 0.804% | $3,215 |
Total includes the state tax. Click a column to sort.
New Jersey state transfer tax calculator
- State
| Tax | Rate | Who pays | Amount |
|---|---|---|---|
| New Jersey realty transfer fee (base schedule)State | 0.4%–0.78% by price | Seller | $2,495.00 |
| New Jersey realty transfer fee (additional portion over $350,000)State | 0.18% above a threshold | Seller | $720.00 |
| New Jersey realty transfer fee (graduated portion over $550,000)State | 0.1%–0.25% by price | Seller | $0.00 |
| New Jersey Graduated Percent Fee (formerly mansion tax)State | 1%–3.5% by price | Seller | $0.00 |
| Total transfer tax (0.804% of the price) | $3,215.00 | ||
"Who pays" is the customary or legal default; your purchase contract can move it.
Transfer tax in New Jersey by home price
| Sale price | Total tax | Effective rate | Seller | Buyer |
|---|---|---|---|---|
| $250,000 | $1,325 | 0.53% | $1,325 | $0 |
| $400,000 | $3,215 | 0.804% | $3,215 | $0 |
| $600,000 | $5,185 | 0.864% | $5,185 | $0 |
| $800,000 | $7,305 | 0.913% | $7,305 | $0 |
| $1,000,000 | $9,575 | 0.958% | $9,575 | $0 |
| $1,500,000 | $30,625 | 2.042% | $30,625 | $0 |
| $2,500,000 | $77,725 | 3.109% | $77,725 | $0 |
| $5,000,000 | $232,975 | 4.659% | $232,975 | $0 |
Negotiable amounts are shown half to each side.
Selling in New Jersey?
Transfer tax is usually the second-biggest closing cost after the agent's commission. Comparing agents' fees often saves more than any exemption.
Common exemptions
- Consideration under $100
- Transfers between spouses, civil union or domestic partners, or former spouses under a divorce decree
- Deeds for no consideration / gifts and correction deeds
- Transfers to or from the U.S., the State or local government
- Transfers by will or by an executor/administrator
- Partial exemption for sellers 62+, blind or disabled, and low/moderate-income housing (Form RTF-1)
Questions
Who pays the realty transfer fee in New Jersey?
The seller. Since July 10, 2025 the seller is also legally liable for the Graduated Percent Fee on sales over $1 million, which buyers used to pay.
What is the New Jersey mansion tax now?
It is the Graduated Percent Fee: 1% of the whole price over $1M–$2M, 2% over $2M–$2.5M, 2.5% over $2.5M–$3M, 3% over $3M–$3.5M and 3.5% above $3.5M.
How much is the fee on a $325,000 sale?
$1,910 with no exemptions, per the Division of Taxation FAQ.
Is there a reduced fee for seniors?
Yes. Sellers aged 62+, blind or disabled sellers and low/moderate-income housing qualify for a partial exemption by filing Form RTF-1.
How much is transfer tax on a $500,000 house in New Jersey?
The state part is $4,175.
Sources
- NJ Division of Taxation – Realty Transfer Fee FAQs (rates)
- NJ Division of Taxation – General Information on the Graduated Percent Fee (P.L. 2025, c. 69)
- NJ Division of Taxation – Memo: Clarification on Graduated Percent Fee Implementation (July 9, 2025)
- NJ RTF fee schedule – consideration in excess of $350,000
- NJ RTF fee schedule – consideration not in excess of $350,000
Last checked October 13, 2026. Rates in effect for residential sales; commercial, leasehold and entity transfers can differ. Always confirm with your title company or closing attorney before closing.