Tax Bracket for New Jersey (2026)
Last updated: January 15, 2026
New Jersey (NJ) Key Facts
Tax Structure
Progressive (7 brackets)
Top Marginal Rate
10.75%
Number of Brackets
7
Tax Year
2,026
How This Calculator Works in New Jersey
This calculator shows which New Jersey tax bracket your income falls into. Enter your income and filing status to see marginal and effective rates.
New Jersey Overview
New Jersey uses a progressive income tax system with 7 brackets ranging from 1.4% to 10.75%. Higher portions of your income are taxed at higher rates, so your effective rate is always lower than your top marginal bracket.
How New Jersey Compares
New Jersey's top rate of 10.75% compares to New York at 10.9% and Pennsylvania at 3.07%. Comparing effective rates is more meaningful than top rates alone.
| State | Top Rate | Notes |
|---|---|---|
| New York | 10.9% | New York has an income tax rate of 10.9%. |
| Pennsylvania | 3.07% | Pennsylvania has an income tax rate of 3.07%. |
| Delaware | 6.6% | Delaware has an income tax rate of 6.6%. |
New Jersey's income tax rate of 10.75% compares to a national average of approximately 5.04%. This is above the national average.
Tips for New Jersey Residents
- 1New Jersey has a progressive income tax with 7 brackets ranging from 1.4% to 10.75%.
- 2Your marginal rate (the rate on your last dollar) is often higher than your effective rate (total tax / total income).
- 3Moving into a higher bracket only taxes the additional income at the higher rate, not your entire income.
- 4Pre-tax 401(k) and IRA contributions can keep you in a lower New Jersey bracket by reducing taxable income.
- 5Compare your effective rate rather than marginal rate when evaluating New Jersey's tax impact on your finances.