New Jersey's Realty Transfer Fee (RTF) is a state-imposed tax on real estate sales, typically paid by the seller. Unlike cliff-structure taxes, the RTF is genuinely graduated marginal — each rate applies only to the portion of the price within that bracket. For sales over $1M, an additional Grantee Portion Fee (GPF) is also charged to the buyer.
The RTF is graduated MARGINAL — each rate applies only to the portion within that bracket, not the full price. This means the effective rate is always lower than the top bracket rate.
The Grantee Portion Fee (GPF) on sales over $1M is a SECOND, SEPARATE fee paid by the buyer — sellers and buyers both pay significant fees on $1M+ transactions.
Senior citizens (62+) and blind/disabled sellers qualify for a reduced RTF rate — roughly half the standard rate.
Certain transfers are exempt: transfers to government, charitable organizations, certain family transfers, and others.
The RTF is genuinely graduated marginal — each rate applies only to the price within that bracket. For example, on a $600,000 sale, you pay $2.00/$500 on the first $150,000, $3.35/$500 on $150K–$200K, $3.90/$500 on $200K–$550K, and $4.25/$500 on $550K–$600K.
The seller pays the RTF. On transactions over $1,000,000, an additional Grantee Portion Fee (GPF) is charged to the buyer as well.
Yes. Sellers who are 62 or older, blind, or disabled qualify for a reduced RTF rate — approximately half the standard rate. This must be claimed at closing with appropriate documentation.
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