The TaxLienSimple Index / New Jersey
New Jersey Tax-Lien & Tax-Deed Investing
What New Jersey statute actually pays — return, redemption and bid method — cross-referenced with the live auction inventory we track. Every figure traces to state law or a county source.
Statutes verified Jul 29, 2026
Statutory note. Bidding drives the interest rate down from 18%; when it reaches 0%, bidders switch to offering a cash premium over the taxes owed (premium earns no interest and is refunded without interest on redemption).
Remote Investor Snapshot
Verified public-data profile for out-of-area investors — every figure below traces to the cited government source. Blank fields mean the source does not publish that value for this area (we never estimate).
Market & demographics
Source: U.S. Census Bureau, ACS 5-Year 2022
Housing market
Source: U.S. Census Bureau, ACS 5-Year 2022
Property-tax burden
Source: U.S. Census Bureau, ACS 5-Year 2022
Natural-hazard risk & safety
Source: FEMA National Risk Index (2023); U.S. Bureau of Labor Statistics, LAUS (2023 annual)
Growth & livability signals
Source: U.S. Census Bureau, Building Permits Survey (2023); U.S. Census Bureau, ACS 2022 (household broadband subscription; FCC availability not yet integrated); U.S. Census Bureau, ACS 2022 (educational attainment — school-quality proxy; NCES ratings not yet integrated)
Risk & opportunity flags
Source: U.S. Treasury CDFI Fund / IRS designated Opportunity Zones; U.S. EPA (SEMS National Priorities List; ACRES Brownfields)
Counties we track in New Jersey
| # | County | TaxLienSimple Index | Live parcels |
|---|---|---|---|
| 1 | Camden County | B 60 | 211 |
| 2 | Middlesex County | B 60 | 173 |
| 3 | Essex County | B 60 | 168 |
| 4 | Gloucester County | B 59 | 115 |
| 5 | Passaic County | B 59 | 112 |
| 6 | Monmouth County | B 59 | 112 |
| 7 | Burlington County | B 59 | 94 |
| 8 | Atlantic County | B 59 | 90 |
| 9 | Bergen County | B 59 | 87 |
| 10 | Union County | B 59 | 72 |
| 11 | Hudson County | B 59 | 55 |
| 12 | Cumberland County | B 59 | 53 |
| 13 | Hunterdon County | B 58 | 31 |
| 14 | Cape May County | B 58 | 29 |
| 15 | Salem County | B 58 | 21 |
| 16 | Morris County | B 56 | 93 |
New Jersey tax sale — FAQ
What is the TaxLienSimple Index for New Jersey?
New Jersey scores 55/100 (Tier B), ranked #17 of 51 jurisdictions. The TaxLienSimple Index is a 0–100 research guide built from statutory terms and the inventory we track — not a yield, a guarantee, or investment advice. Realized returns depend on competition, redemption and your own due diligence. Verify every figure with the county before bidding.
How does redemption and return work in New Jersey?
Interest bid down from a statutory ceiling of 18% per annum; PLUS a one-time redemption penalty of 2% (certificates $200-$5,000), 4% ($5,001-$10,000), or 6% (over $10,000) assessed only on redemption Redemption period: Owner may redeem any time until foreclosure; investor must generally wait 2 years from the certificate date before starting foreclosure (municipal holders can move sooner). Bidding drives the interest rate down from 18%; when it reaches 0%, bidders switch to offering a cash premium over the taxes owed (premium earns no interest and is refunded without interest on redemption).
What is New Jersey's statutory return on a tax lien or tax deed purchase?
Interest bid down from a statutory ceiling of 18% per annum; PLUS a one-time redemption penalty of 2% (certificates $200-$5,000), 4% ($5,001-$10,000), or 6% (over $10,000) assessed only on redemption Bidding drives the interest rate down from 18%; when it reaches 0%, bidders switch to offering a cash premium over the taxes owed (premium earns no interest and is refunded without interest on redemption).
What is the bid method for New Jersey tax sales?
New Jersey uses a bid-down interest method for its tax lien sales.
Does New Jersey use tax-lien auctions or tax-deed sales?
New Jersey uses a tax lien system. Bidding drives the interest rate down from 18%; when it reaches 0%, bidders switch to offering a cash premium over the taxes owed (premium earns no interest and is refunded without interest on redemption).
See the actual parcels in New Jersey
Browse the live tax-lien, deed and foreclosure inventory we track — search by county, redemption window and opening bid.
Browse live auction inventory → · New Jersey tax delinquent property list → · New Jersey state guide → · Set a max bid → · Academy: what a tax lien actually is →© 2026 TaxLienSimple · The TaxLienSimple Index is compiled from state tax statutes and county treasurer/tax-collector offices; live inventory counts reflect parcels currently tracked by TaxLienSimple and update continuously. Nothing here is investment or legal advice.