Bellmawr, NJ · Updated Oct 2026

What a Bellmawr home costs each year

Property tax, water, trash and energy from public rates. Look up your address to make it yours, and see how to pay less.

Suggestions as you type come from Google; the lookup uses free public map services to find who serves it. Not stored unless you save your house.

Example · a Bellmawr house

$12,934a year · $1,078 a month

Starts at $169,629 of value before exemptions. Typical use.

Property tax$7,009
4.132% of $169,629
Electricity and gas$2,993
558 kWh a month $1,841 · 86.6667 therms $1,152
Water and sewer$1,515
7,000 gallons a month on Bellmawr Water Department: water $85, sewer $41 a month
Trash$0
Your own cans, $0 a month
Home insurance$1,417
Typical premium $1,417

A typical Bellmawr house costs about $12,900 a year: $7,010 property tax and charges, $1,510 water and sewer, $0 trash, $2,990 electricity and gas, $1,420 home insurance. Estimated from public rates, not anyone's actual bill.

Rates checked Oct 29, 2026. Insurance: what you enter, or a typical premium until you do. Sources are listed at the bottom.

Ways to pay less

One change saves this house about $1,059 a year:

Bring water use down to 3 units
$1,059 a year
Above 3 units a month, Bellmawr Water Department charges $14.71 a unit instead of $0.00.
How: Most of the top tier is outdoor watering: fix leaks and water less often in summer.

Worth checking

Seniors 65+: Stay NJUp to $6,500
Homeowners 65 and older who owned and lived in their home all of 2025 can get up to $6,500 with income up to $100,000, $5,000 up to $150,000, or $4,000 up to $200,000.
How: File Form PAS-1 by November 2, 2026.
100% disabled veterans: property tax exemptionAnnual exemption on your main home
Honorably discharged veterans who were 100% permanently and totally disabled during active duty service may qualify for an annual property tax exemption on their main home.
How: File D.V.S.S.E. with your local assessor.
Seniors 65+ or disabled: property tax deductionSenior deduction
New Jersey's senior citizen deduction is claimed on Form PTD.
How: File Form PTD with your local assessor or tax collector.
Veterans: $250 property tax deduction$250 deduction
Veterans with active duty service and an honorable discharge can get the Veterans Property Tax Deduction.

Money dates

Feb 1, May 1, Aug 1, Nov 1in 89 daysProperty tax installments are due on these dates with a 10-day grace period.
Apr 1Last day for a property tax appeal petition to reach the County Board of Taxation or the State Tax Court; May 1 where a municipal revaluation or reassessment has been undertaken.

Who serves this house

Water: Bellmawr Water Department; Minimum quarterly charge for a 5/8 inch meter is $98.50 and includes 6,000 gallons; each 1,000 gallons beyond that is $11, effective with 4th Quarter 2026 billings.
Property tax: 4.13% of value; 2026 tax year, Bellmawr (Camden County)
Garbage: Borough Highway & Sanitation; The borough's Highway & Sanitation division handles trash and recycling collection.
Electricity: PSE&G; PSE&G's electric tariff lists Bellmawr, Borough of in the territory it serves.
Gas: PSE&G; PSE&G's gas tariff lists Bellmawr, Borough of in the territory it serves.

Pay or manage your bills

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How these numbers are made

Property tax: Camden County Board of Taxation 2026 abstract of ratables, general rate 4.132 per $100 (county 0.888, library 0.055, open space 0.035, local school 1.332, regional school 0.542, municipal 1.280), applied to the state's 2026 average residential assessment of $169,629.
Water: Bellmawr ordinance Chapter 450 rates with 4th Quarter 2026 billings: $98.50 a quarter minimum for 5/8 inch meter including 6,000 gallons ($32.83 a month; first 2,000 gallons a month free of usage charge), then $11 per 1,000 gallons.
Sewer: the borough annual sewer service charge of $124 ($10.33 a month) plus the Camden County MUA charge of $93.00 a quarter per EDU ($31 a month), added together as a monthly fixed amount.
Trash: collected by the borough Highway & Sanitation division; no separate residential fee was found, so it is modelled as paid through property tax.
Electricity and gas: PSE&G residential tariffs effective Oct 1, 2026 with default supply, using PSE&G's average 558 kWh and 86.7 therms a month; insurance: New Jersey 2022 average premium (NAIC via III).
Nothing here is legal, tax or insurance advice.

Sources

How Bellmawr compares

A typical Bellmawr house against the 41 New Jersey cities we cover, using the same default numbers as the total above.

Per year	Bellmawr	Median	Where it falls
Property tax rate	4.13%	2.66%	higher than 29 of the other 38 New Jersey cities we cover
Water	$1,019	$771	higher than 28 of the other 40 New Jersey cities we cover
Sewer and utility-bill fees	$496	$600	lower than 15 of the other 22 New Jersey cities we cover
Trash	$0	$0	lower than 3 of the other 29 New Jersey cities we cover
Electricity and gas	$2,993	$3,056	lower than 21 of the other 40 New Jersey cities we cover
Home insurance	$1,417	$1,417	in the middle of 40 other New Jersey cities we cover
Total	$12,934	$16,741	lower than 37 of the other 40 New Jersey cities we cover

Cities bill differently (some put trash on the tax bill, some cover more services), so a higher number isn't necessarily worse. The property tax rate is compared instead of dollars because house values differ.

Questions to ask your candidates

Each one starts from a number above. Any candidate can answer them.

1. Property tax rate

The fact: Bellmawr's property tax rate is 4.13%, higher than 29 of the other 38 New Jersey cities we cover. The rate adds up every agency on the bill, not only the city.

Ask: "Property tax in Bellmawr is 4.13%, higher than 29 of the other 38 New Jersey cities we cover. What should that money pay for first, and would you change anything about how it is set?"

2. Trash

The fact: Trash pickup here costs about $0 a year for the standard cart, lower than 3 of the other 29 New Jersey cities we cover. Where trash is billed through the tax bill or a separate hauler, it is not counted here.

Ask: "Trash pickup here costs about $0 a year for the standard cart, lower than 3 of the other 29 New Jersey cities we cover. What drives that cost, and would you change anything about the service or the price?"

3. Electricity and gas

The fact: Electricity and gas for a typical house here cost about $2,993 a year, lower than 21 of the other 40 New Jersey cities we cover. Rates are set mostly by the utility and the state.

Ask: "Electricity and gas here cost about $2,993 a year for a typical house, lower than 21 of the other 40 New Jersey cities we cover. Which parts of that can the city influence, and what would you do about them?"

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Common questions about Bellmawr house costs

What is the property tax rate in Bellmawr?

About 4.13% of the value before exemptions a year (2026 tax year, Bellmawr (Camden County)), plus flat charges on the same bill.

How much is property tax on a $500,000 house in Bellmawr?

About $20,660 a year on $500,000 of the value before exemptions.

How much is the water bill in Bellmawr?

About $126 a month for water and sewer at typical use (7,000 gallons a month) on Bellmawr Water Department.

How much does trash pickup cost in Bellmawr?

$0 a month for a house.

When is property tax due in Bellmawr?

Feb 1, May 1, Aug 1, Nov 1: Property tax installments are due on these dates with a 10-day grace period.

Can seniors lower their property tax or bills in Bellmawr?

Yes. Seniors 65+: Stay NJ: Homeowners 65 and older who owned and lived in their home all of 2025 can get up to $6,500 with income up to $100,000, $5,000 up to $150,000, or $4,000 up to $200,000.

How much does a house in Bellmawr cost to run each year?

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