How Ridgefield is run

Who runs Ridgefield, what it costs, and where your money goes

The city manager, council pay, the budget, your property tax bill and who provides each service, from Ridgefield's own public documents. Every number links to its source and says which year it describes. Checked Oct 11, 2026.

Who runs Ridgefield

The elected mayor heads the city government and appoints its top administrator and department heads. The council passes laws, adopts the budget and sets the tax rate.

Borough of Ridgefield

What they are paid

Borough Administrator Ray Ramirez: base payNot confirmed2026. We found no document that states the Borough Administrator's salary. Ordinance 2476 sets a range of $20,000 to $185,000 for the Municipal Administrator. Resolution 66-2026 appointed Ray Ramirez for a term through December 31, 2028. Borough of Ridgefield · Jan 1, 2024
A council member$4,500 a year2026. Borough of Ridgefield · Jan 1, 2024
The mayor$6,750 a year2026. Borough of Ridgefield · Jan 1, 2024

Ridgefield city staff

78 full-time-equivalent positions. 2026 adopted budget (full-time employees, Current Fund). Full-time employees in the 2026 Current Fund budget, up from 73 in 2025. The Swim Pool Utility has 3 more. Borough of Ridgefield · Apr 27, 2026

The salary ordinance sets pay ranges by position and the user friendly budget gives pay totals by employee group. We found no list of individual employee pay. We name pay only for elected officials and the city manager.

Is Ridgefield in the red?

Cities must pass a balanced budget, so "profit" and "deficit" mean something different here. The useful questions: does the city's everyday money (the general fund) cover its everyday costs, how much does it keep in savings compared with its own target, and how big are its pension and debt bills.

General fund, 2026$28.4MOut of $29M across all city funds, which includes utilities and other money that can only be spent on one thing. Borough of Ridgefield · Apr 27, 2026
Savings shrank, 2025 (audited)−$2.4MGeneral fund revenue $60.3M, spending $59.5M. The Current Fund took in $0.76M more than it spent in 2025, but these totals include $26.5M of school taxes and the county taxes the borough collects and passes on. The borough used $3.18M of fund balance as revenue in its 2025 budget, so fund balance fell from $6.43M to $4.02M. Borough of Ridgefield · Mar 18, 2026

The city's own outlook

The 2026 budget uses $2.47M of surplus, down from $3.18M in 2025. At the budget hearing, officials said that if the 2025 surplus loss of about $2.4M continued, the surplus would have lasted roughly two years. Health insurance rose about 24%. The municipal tax rate goes from 0.469 to 0.501, about $286 more for the average home. Borough of Ridgefield · Apr 27, 2026

Savings

Unassigned general fund balance: $4M (2025-12-31). Borough of Ridgefield · Mar 18, 2026

Pension promises not yet funded$15.3MRidgefield's share of New Jersey's two state pension plans, measured June 30, 2025: $10.5M for the Police and Firemen's Retirement System (PFRS) and $4.8M for the Public Employees' Retirement System (PERS). The state carries another $2.1M of PFRS liability on the borough's behalf. (2025-06-30). State of New Jersey · Jan 1, 2026
Debt owed$27.8M$21.0M of serial bonds and $6.8M of bond anticipation notes. 2025-12-31. Borough of Ridgefield · Jan 1, 2026

Why we skip the "budgeted deficit": many cities plan to dip into savings, then spend less than planned. The audited result tells you what really happened.

Where the money comes from and goes

The general fund only: the city's everyday money for 2026.

Comes from

  • Property tax for municipal purposes$14.2M · 50%
  • State aid (energy receipts tax)$5.6M · 20%
  • Fund balance (surplus) used$2.5M · 9%
  • Meadowlands tax-sharing payment$1.3M · 5%
  • Library property tax$924,416 · 3%
  • Payment in lieu of taxes, 1000 Route 46 East$588,750 · 2%
  • Municipal court fines$442,000 · 2%
  • Delinquent taxes$390,000 · 1%
  • Other (investment interest, fees and permits, sewer charges, property rent and others)$2.6M · 9%

Borough of Ridgefield · Apr 27, 2026

Goes to (2026)

  • Police salaries and wages$4.8M · 17%
  • Employee health insurance$3.9M · 14%
  • Debt service$2.8M · 10%
  • Sewage treatment (Bergen County Utilities Authority)$2.2M · 8%
  • Road repairs and maintenance salaries$1.7M · 6%
  • Police and fire pension contribution (PFRS)$1.5M · 5%
  • Public library$924,416 · 3%
  • Reserve for uncollected taxes$910,400 · 3%
  • Other (administration, other public works, garbage, insurance, utilities, other pensions and others)$9.7M · 34%

Borough of Ridgefield · Apr 27, 2026

Your property tax bill: who gets it

Ridgefield collects one property tax bill and passes most of it on. Of the 2025 rate, about 57% went to the local schools and about 14% to Bergen County. The borough's own share, including the library, was about 30%.

30¢

of each property-tax dollar goes to the city of Ridgefield

  • Ridgefield Board of Education (local schools)0.964 · 57%
  • Borough of Ridgefield (municipal purposes)0.469 · 28%
  • Bergen County0.22 · 13%
  • Ridgefield Public Library0.031 · 2%
  • Bergen County open space0.01 · <1%
  • Total ($ per $100 of assessed value)1.694

2025 tax rates for a property in the Borough of Ridgefield (Bergen County). Borough of Ridgefield · Jan 1, 2026

Who provides your services

Not everything in Ridgefield is run by the city. Who provides a service decides whose budget pays for it and whose election decides it.

Compared with similar cities

The cities in this state closest in population that we cover. Read it for scale, not as a ranking: cities provide different services.

WestwoodNJWanaqueNJRidgefieldNJBellmawrNJ
Residents11,36511,41811,54711,874
Top administrator's base payNot confirmedNot confirmedNot confirmedNot confirmed
Council member payNot confirmed$5,970$4,500Not confirmed
General fund per resident$2,038$1,626$2,462$1,623
Debt per resident$967$2,612$2,408$2,239
Unfunded pension per resident$1,298$840$1,323$975
City staff per 1,000 residents—5.36.87.6

Figures as shown in each city's section, divided by its population. Years differ by state, and pension figures are measured differently in each state (each city page says how).

What Ridgefield publishes

What a resident can find online today. A "no" is something you can ask the council to publish.

Questions to ask your council

  1. The Current Fund balance fell from $6.43 million to $4.02 million in 2025, and the 2026 budget uses $2.47 million of it. How will the borough rebuild its surplus?
  2. Employee health insurance is budgeted at $3.9 million in 2026 after a reported 24% increase. What options is the borough weighing to control that cost?
  3. The Energy Receipts Tax brings in $5.56 million, about a fifth of the budget, and officials said it has not grown in years. How would the borough cover a cut in that aid?
  4. The borough owed $27.8 million in bonds and notes at the end of 2025, about a quarter of it in short-term notes. When will those notes be converted to long-term bonds, and what will that do to yearly debt service?

The budget year is the calendar year. The council approved the 2026 budget on March 23, 2026, held the public hearing on April 27, 2026, and adopted the budget that night by Resolution 138-2026. See who is running for council

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