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Tax Sale Atlas

Bergen County, NJ tax sales

Tax Sale Atlas maps the Bergen County, NJ tax sale, one of 3,131 counties in 51 states. New Jersey sells tax lien certificates paying up to 18%. Sale office, calendar and list locations read from the county’s own official pages on Sep 28, 2026.

How tax lien sales work in Bergen County, seat of Hackensack: sale calendar, auction platform, over-the-counter lists, and the offices that run each sale.

New to tax sales? Read how New Jersey tax sales work or look terms up in the glossary.

Next sale
Varies by municipality.
Format
In person
County office
(201) 646-3927
Every displayed fact carries a source badge. Verified Sep 28, 2026 against official county and state pages.How we verify
On this page
Look up a sale detail

Each municipal Tax Collector (Bergen County's 70 municipalities each hold their own sale; the county holds no tax sale). In person. annual

Record quality: high. Last verified: 2026-09-28.

Borough of Bergenfield 2026 Tax Lien Sale Bidding Rules (RealAuction) (source accessed 2026-09-28)

Recorded reference information. Verify current sale conditions with the county. Read the full sale details.

Link to this detail

How Bergen County sells delinquent taxes

From lien to deed

New Jersey holds no tax deed auction. A certificate holder who is not redeemed files an action in the Superior Court to foreclose the right of redemption: a private purchaser at any time after two years from the sale, the municipality (or anyone who takes the certificate from it by assignment or transfer) after six months, and any holder at any time if the property meets the statutory definition of abandoned property. Judgment bars redemption and vests title in the holder. Since P.L.2024, c.39 the owner or the owner's heirs may, before final judgment, demand that the foreclosure proceed by a sheriff's sale or a sheriff's Internet auction to preserve equity; that sale is run by the county sheriff and is a foreclosure sale of one parcel, not a tax sale, so a sheriff's sale listing is never the date of a municipality's certificate sale. Separately, a municipality holding its own certificates may foreclose by an in rem action once more than six months have passed since the sale and 21 months of taxes are unpaid.

Tax certificate sale (lien)

In person
Run by
Each municipal Tax Collector (Bergen County's 70 municipalities each hold their own sale; the county holds no tax sale)
Frequency
annual
Typical timing
Varies by municipality.
When it runs
Varies by municipality. Documented Bergen towns have sold between September and January: Ridgewood on September 15, 2026, Upper Saddle River on September 28, 2026, Bergenfield on October 16, 2026, Oradell on October 20, 2026 and Teaneck on January 21, 2026. Liens unpaid on the eleventh day of the eleventh month of the fiscal year become subject to sale.
Registration and deposit

Towns selling on RealAuction require online registration on that town's newjerseytaxsale.com site, which opens about a month before the sale, plus a deposit of 10% of intended winnings (including premiums), usually a $1,000 minimum, paid by ACH and due about a week before the sale. Ridgewood takes deposits by wire only. Hackensack bidders register before the sale by emailing a Bidder Information Sheet and W-9 to the Assistant Tax Collector.

Sale format and venue
New Jersey tax sale certificates are sold by each municipality, so there is no single Bergen County sale date, platform or list. On the RealAuction town sites, bidding starts at 18% interest and drops in 1% steps to 0%, after which bidders offer a premium in $100 increments that earns no interest. Check each municipality's own notice for its date, deposit deadline and list. Many towns sell online through RealAuction (per-town newjerseytaxsale.com sites); others sell in person at the tax collector's office.
Source: Borough of Bergenfield 2026 Tax Lien Sale Bidding Rules (RealAuction)· Verified Sep 28, 2026

Bergen County tax sale list and auction calendar

For Bergen County tax sale 2026 searches, use the county-run sources below rather than a copied parcel list, and confirm the parcel, registration cutoff, deposit, and payment deadline against the county before you bid.

  1. Get the advertised list

    Each city or town sells separately and posts its own list. The municipal notes on this page say where each one appears.

  2. Register to bid

    Ask the county office how and when to register; many counties close registration days or weeks before the sale.

  3. Sale day

    Varies by municipality. The sale is live and in person; there is no online bidding platform. Confirm the venue and hour with the county office before you go.

  4. Confirm with the office

    If the list, platform, and notice disagree, use Each municipal Tax Collector (Bergen County's 70 municipalities each hold their own sale; the county holds no tax sale) as the source to confirm which parcels are actually offered.

Before you bid in Bergen County

  1. Start with the live sale list

    There is no county list: each town posts its own. Get the list from the town whose sale you plan to attend and confirm the advertised parcels with its collector before you price a bid.

  2. Confirm registration and deposit

    Towns selling on RealAuction require online registration on that town's newjerseytaxsale.com site, which opens about a month before the sale, plus a deposit of 10% of intended winnings (including premiums), usually a $1,000 minimum, paid by ACH and due about a week before the sale. Ridgewood takes deposits by wire only. Hackensack bidders register before the sale by emailing a Bidder Information Sheet and W-9 to the Assistant Tax Collector.

  3. Check the state rules that change the bid

    Read the New Jersey due-diligence checklist before bidding. Redemption, liens that survive a tax deed, title cleanup, and payment deadlines can change what a parcel is worth.

  4. Set a walk-away number

    Work out what the parcel is actually worth with the rural land value estimator, then turn it into a ceiling with the tax deed max-bid calculator.

Over-the-counter (leftover) purchases

Certificates on parcels that drew no bid are struck off to the municipality at 18 percent. A municipality's governing body may later sell a certificate it holds by assignment or at a separate public sale, at its discretion. Ask the tax collector of the specific municipality.

New to this path? Read how over-the-counter certificates work. Every state has its own name for what goes unsold, so check what New Jersey calls its leftover tax-sale inventory.

Use the arrow keys to switch between these sections.

County offices

Tax Collector (runs the certificate sale)

City of Hackensack Office of the Tax Collector (county seat; each Bergen municipality has its own collector)

(201) 646-3927

65 Central Ave, Hackensack, NJ 07601

Official website

County notes

  • Bergenfield sells online at bergenfield.newjerseytaxsale.com on October 16, 2026 at 8:30 AM ET; deposits are due October 9, 2026 at 4:00 PM ET, and the list of liens is posted on that site.
  • Oradell sells online at oradell.newjerseytaxsale.com on October 20, 2026 at 9:00 AM ET, with deposits due October 13, 2026; its list is posted on that site.
  • Upper Saddle River sells online at uppersaddleriver.newjerseytaxsale.com on September 28, 2026 at 8:30 AM ET; deposits closed September 21, 2026.
  • Westwood opens registration on westwood.newjerseytaxsale.com on November 10, 2026 with deposits due December 1, 2026; the borough lists the sale date as not yet set.
  • Ridgewood held its online sale at ridgewood.newjerseytaxsale.com on September 15, 2026 and accepts deposits by wire transfer only.
  • Bogota and Norwood each held an online sale on September 25, 2026 through their own newjerseytaxsale.com sites, where each town's list appears.
  • Teaneck held its most recent online sale on January 21, 2026 at teaneck.newjerseytaxsale.com; the township advertises its sale in the Bergen Record four weeks ahead and posts the parcel list on its tax sale page.
  • Lodi (December 18, 2025), Maywood (December 17, 2025), Paramus (December 11, 2025) and Ramsey (November 13, 2025) held their most recent sales online through their own newjerseytaxsale.com sites; Maywood set a $1 minimum deposit.
  • Englewood sells on englewoodcity.newjerseytaxsale.com; its rules show a December 22, 2025 sale and a December 15, 2026 deposit deadline for the next one.
  • Fort Lee, Edgewater, Oakland, Park Ridge and River Edge keep RealAuction tax sale sites with no sale open now; watch those sites and each collector's notice for the next date.
  • Hackensack registers bidders before the sale by emailing a Bidder Information Sheet and W-9 to the Assistant Tax Collector; unpaid charges enter its accelerated tax sale process from November 11. Call (201) 646-3927 for the date.
  • Sale notices and lists for the remaining Bergen municipalities appear in the local newspaper and at each town's tax collector's office.

New Jersey rules

Max interest rate
18% per year, bid down at auction
Minimum return
2 to 6% one-time penalty at redemption, by certificate size, added to the interest
Redemption
The right to redeem lasts until it is cut off by a foreclosure judgment, not for a fixed term. What varies by parcel is how soon the holder may start that action: two years after the sale for a private purchaser, six months for the municipality or its assignee, and any time for abandoned property. Once a foreclosure complaint is filed and notice of it is filed with the tax collector, redemption is made in that court action and carries the court-fixed attorney's fees and costs. All other redemptions must go through the municipal tax collector's office; a lienholder who knowingly takes a redemption outside that office forfeits the certificate.
Surplus proceeds
Surplus arises only from a sheriff's sale or Internet auction demanded by the owner under N.J.S.A. 54:5-87(b). The sheriff deducts the cost of the sale and deposits the surplus with the Clerk of the Superior Court, and the owner or heirs claim it by motion under N.J.S.2A:50-37 and the Rules of Court; that is the exclusive route. If the owner does not demand a sale, the holder may foreclose without one and the owner has no claim against the holder for any equity. In an abandoned-property foreclosure the court may bar claims to surplus equity and no sheriff's sale is required.
Governing statute
N.J.S.A. Title 54, Chapter 5

A tax deed does not convey marketable title. Most buyers file a quiet title action before they can resell or insure the property. See the due diligence guide.

See the full New Jerseyrules and every county →

Frequently asked questions

Does Bergen County, New Jersey sell tax liens or tax deeds?

Tax lien certificates. In New Jersey investors buy the lien, not the property; the Municipal tax collector runs the sale.

When is the Bergen County tax certificate sale?

Varies by municipality. Documented Bergen towns have sold between September and January: Ridgewood on September 15, 2026, Upper Saddle River on September 28, 2026, Bergenfield on October 16, 2026, Oradell on October 20, 2026 and Teaneck on January 21, 2026. Liens unpaid on the eleventh day of the eleventh month of the fiscal year become subject to sale. The sale is held in person. Always confirm the exact date with the Municipal tax collector before the sale.

I own a property in this sale. Can I stop it?

Often yes, by paying the overdue taxes, interest, and costs before the deadline. New Jersey's redemption rule: 2 years from the sale before a private certificate holder can file to foreclose; the owner can redeem until the court's final judgment. Call the Each municipal Tax Collector (Bergen County's 70 municipalities each hold their own sale; the county holds no tax sale) as early as possible for your exact payoff and options; deadlines are strict. Free help: lawhelp.org lists legal aid programs, and consumerfinance.gov lists HUD-approved housing counselors.

Verified Sep 28, 2026 against official county and state sources.

Tax Sale Atlas publishes educational information about public tax sale processes. This is not legal, financial, or investment advice. Rules, dates, and fees change; confirm with the county office before you bid.

More New Jersey counties

Browse all 21 New Jersey counties

Compare sale calendars, platforms, and rules across the state, or read the guides before you bid.

New Jersey tax salesDue diligence guide
Call City of Hackensack Office of the Tax Collector