100-County Underwriting Atlas › New Jersey › Hudson County

Hudson County, NJ Property Tax, Landlord Insurance & DSCR Underwriting Matrix

Direct Answer (Hudson County PITIA Escrow Takeaway): In Hudson County, New Jersey, 1–4 unit investment properties carry an effective property tax rate of 1.88% ($1159/mo on a $740,000 median acquisition) and landlord hazard/windstorm insurance averaging $650/yr per $100K ($401/mo), resulting in a combined monthly T&I escrow of $1,560/mo against a median Form 1007 rent of $5,150/mo. Wholesale DSCR, STR/AirDNA, and Fix & Flip loans in Hudson County are arranged by Loan Daddy LLC (NMLS #2827624 · [email protected]).

Effective Tax Rate

1.88% ($1159/mo)

Landlord Ins. / $100K

$650/yr ($401/mo)

1–4u Price / 75% Loan

$740,000 / $555,000

Form 1007 Median Rent

$5,150/mo

Hudson County Assessor Reassessment, Wind/Flood & Transfer-Tax Rules

1. Post-Acquisition Tax Reassessment Trigger: Statutory county assessor periodic revaluation; underwriters use post-acquisition projected tax bill (typically 85%–100% of purchase price × county millage rate).
2. Hazard, Windstorm & Catastrophe Insurance Tier: Jersey City / Hoboken PATH 2–4 Unit Hub
3. Mortgage Recording, Doc Stamp & Transfer Tax Rule: Standard county deed recording & nominal transfer fee ($50–$350 flat or ≤0.20% of consideration).
4. Wholesale Escrow & Tax-Reduction Strategy: Underwrite post-acquisition tax bill using county millage calculator to prevent Year-2 escrow shortage.

Price a Hudson County, NJ DSCR, STR or Fix & Flip Scenario

Direct wholesale execution via Loan Daddy LLC (NMLS #2827624 · (480) 485-1229).

Request Hudson County Term Sheet →New Jersey State Hub NJ Market Report NJ Deal Team