What a Eatontown 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.
Starts at $649,083 of value before exemptions. Typical use.
- Property tax$11,411
1.758% of $649,083
- Electricity and gas$4,010
777 kWh a month $1,985 · 100 therms $2,025
- Water and sewer$1,578
6,000 gallons a month on New Jersey American Water: water $90, sewer $42 a month
- TrashIncluded
Household trash goes in the large green receptacles provided by the Borough; the borough lists no separate trash fee.
- Home insurance$1,417
Typical premium $1,417
A typical Eatontown house costs about $18,400 a year: $11,410 property tax and charges, $1,580 water and sewer, $4,010 electricity and gas, $1,420 home insurance; trash is paid through property tax. 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
Nothing here applies to every house automatically. These are worth checking:
Eligible homeowners with income up to $250,000: ANCHOR property tax reliefUp to $1,500 a year
New Jersey pays eligible homeowners $1,500 if 2025 income was $150,000 or less, or $1,000 if it was $150,001 to $250,000.
How: Apply on the NJ Division of Taxation ANCHOR page by November 2, 2026.
Money dates
- Feb 1, May 1, Aug 1, Nov 1in 88 daysProperty tax due dates are February 1st, May 1st, August 1st, and November 1st.
- Feb 1, May 1, Aug 1, Nov 1 (sewer)in 88 daysEatontown Sewerage Authority charges are due quarterly on the first days of February, May, August and November.
- 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.
- After the 10 day grace periodLate payments are charged interest at 8% up to $1500, and 18% over $1500.
Who serves this house
- Water
- New Jersey American Water
- Eatontown is listed among Monmouth County franchise customers in the BPU order. Rate Schedule A-1 general metered service applies to the listed service areas.
- Property tax
- 1.76% of value
- 2025 tax year, Eatontown (Monmouth County)
- Garbage
- Borough of Eatontown
- Household trash goes in the large green receptacles provided by the Borough.
- Sewer
- Eatontown Sewerage Authority
- The authority lists a $500.00 annual service charge in its January 1, 2026 rate schedule.
- Electricity
- JCP&L (Jersey Central Power & Light)
- JCP&L lists zip code 07724 for Eatontown.
- Gas
- New Jersey Natural Gas
- NJNG's tariff lists Eatontown Borough in its territory.
Other NJ cities
Clifton home costsSummit home costsBridgeton home costsPoint Pleasant home costsRamsey home costsPerth Amboy home costsElizabeth home costsTrenton home costsLinden home costsPrinceton home costsFort Lee home costsGlassboro home costsNorth Plainfield home costsElmwood Park home costsPalisades Park home costsNew Milford home costsNorth Arlington home costsSouth River home costsEdgewater home costsMiddlesex home costsHopatcong home costsRoselle Park home costsNew Providence home costsOakland home costsFreehold home costsBound Brook home costsHasbrouck Heights home costsWallington home costsBellmawr home costsRidgefield home costsWanaque home costsWestwood home costsManville home costsLincoln Park home costsSomers Point home costsSouth Amboy home costsHillsdale home costsBurlington home costsWoodbury home costsChatham home costs
How these numbers are made
- Property tax: the state's 2025 total general tax rate for Eatontown Boro, 1.758 per $100 of assessed value, as a single line. The borough's 2026 user friendly budget (scanned PDF) splits it as municipal 0.500, local school 0.641, regional school 0.367, county 0.203, county library 0.013, county health 0.003, county open space 0.031 (total 1.758). The 2026 rate was not yet published.
- Typical home: the state's 2025 average residential assessment for Eatontown Boro, $649,083, the same year as the 1.758 rate (the 2026 table's $692,172 is a different base year). Insurance: the Triple-I page still shows only the 2022 table (no newer NAIC year published). NJ American Water's BPU order resets the DSIC, WSIC and RESIC surcharges to zero when the new base rates take effect, so none are added.
- Water: New Jersey American Water Rate Schedule A-1 for a 5/8-inch meter, $24.00 a month plus $10.3166 water charge, $0.5330 purchased water, $0.5561 lead line and $0.0636 societal program per 1,000 gallons ($11.4693); typical use is the 5,743 gallons a month in the BPU order. Sewer: the Eatontown Sewerage Authority's $500.00 annual service charge divided by 12, assuming one service unit for a single-family house.
- Electricity: JCP&L Rate RS as in the Sayreville page (tariff effective September 1, 2026; BGS June 2026 to May 2027), weighted 4 summer months to 8 other months. Gas: NJNG residential heating rate, $12.00 a month plus delivery $1.1660 and BGSS $0.4017 per therm, the October 1, 2026 tariff.
- Insurance: New Jersey's 2022 average homeowners premium (NAIC). Trash: the borough lists no trash fee, so it is modelled at $0.
- Nothing here is legal, tax or insurance advice.
- BPU-14-Part-III-Eff-9-1-2026.pdf
- JCPL-BGS-Compliance-Tariff-Filing-Effective-6-1-20
- EO25100570%20-%20JCPL%20ENJ%20Public%20Hearing%20N
- JCPLZipCodes.pdf
- Tariff-10-1-26-monthly-BGSS1.pdf
- PricetableBGSS.pdf
- 2B%20ORDER%20NJNG%20BGSS%20CIP%20Provisional%20Rat
- 2E%20ORDER%20NJAWC%20BRC.pdf
- Appendix-A-with-Fee-Schedule-2026-002.pdf
- household-trash-collection
- public-works
- 2025taxrates.pdf
- theesa.org
- facts-statistics-homeowners-and-renters-insurance
- calculated.shtml
- index.shtml
- index.shtml
- lpt-appeal.shtml
- tax-office
- 2025AvgResStat.pdf
How Eatontown compares
A typical Eatontown house against the 41 New Jersey cities we cover, using the same default numbers as the total above.
| Per year | Eatontown | Median | Where it falls |
|---|---|---|---|
| Property tax rate | 1.76% | 2.66% | lower than 34 of the other 38 New Jersey cities we cover |
| Water | $1,078 | $771 | higher than 29 of the other 40 New Jersey cities we cover |
| Sewer and utility-bill fees | $500 | $600 | lower than 14 of the other 22 New Jersey cities we cover |
| Electricity and gas | $4,010 | $3,056 | higher than 34 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 | $18,416 | $16,741 | higher than 30 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: Eatontown's property tax rate is 1.76%, lower than 34 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 Eatontown is 1.76%, lower than 34 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. Electricity and gas
The fact: Electricity and gas for a typical house here cost about $4,010 a year, higher than 34 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 $4,010 a year for a typical house, higher than 34 of the other 40 New Jersey cities we cover. Which parts of that can the city influence, and what would you do about them?"
Common questions about Eatontown house costs
What is the property tax rate in Eatontown?
About 1.76% of the value before exemptions a year (2025 tax year, Eatontown (Monmouth County)), plus flat charges on the same bill.
How much is property tax on a $500,000 house in Eatontown?
About $8,790 a year on $500,000 of the value before exemptions.
How much is the water bill in Eatontown?
About $132 a month for water and sewer at typical use (6,000 gallons a month) on New Jersey American Water.
How much does trash pickup cost in Eatontown?
Household trash goes in the large green receptacles provided by the Borough; the borough lists no separate trash fee.
When is property tax due in Eatontown?
Feb 1, May 1, Aug 1, Nov 1: Property tax due dates are February 1st, May 1st, August 1st, and November 1st.
How much does a house in Eatontown cost to run each year?
A typical Eatontown house costs about $18,400 a year: $11,410 property tax and charges, $1,580 water and sewer, $4,010 electricity and gas, $1,420 home insurance; trash is paid through property tax. Estimated from public rates, not anyone's actual bill.