This is the section that turns a New Jersey buyer into an Oakwood buyer. So let's be precise.
Staten Island's effective property-tax rate sits around 0.85% of market value. New Jersey's statewide average is roughly 2.2%—the highest in the country—and the towns you're shopping in (Monmouth, Middlesex, Somerset) often run higher.
On a comparable $800,000 home, that's the difference between roughly $6,000–$7,000 a year on Staten Island and $16,000–$20,000 a year in a good NJ town. Same house. Same family. A five-figure annual swing.
There's a structural reason, not a loophole. New York City taxes one- to three-family homes as Class 1, on a small fraction of market value, and caps how fast your assessment can rise—6% in a year, 20% over five years. New Jersey funds its schools almost entirely through property tax and revalues more aggressively. Your Oakwood bill is not just lower—it's more predictable.
The honest caveat: what you save in tax east of Hylan, you can give back in flood insurance. Always price the insurance before you price the house. On higher ground in Oakwood Heights, the math stays firmly in your favor.