Elmwood Park, NJ · Updated Oct 2026

What a Elmwood Park 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 Elmwood Park house

$25,418a year · $2,118 a month

Starts at $632,011 of value before exemptions. Typical use.

A typical Elmwood Park house costs about $25,400 a year: $20,240 property tax and charges, $770 water, $0 trash, $2,990 electricity and gas, $1,420 home insurance. Estimated from public rates, not anyone's actual bill.

Rates checked Oct 28, 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:

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.

Money dates

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.
QuarterlyTaxes are payable quarterly: February 1, May 1, August 1, and November 1.

Who serves this house

Water: Elmwood Park Water Department; A 5/8-inch meter pays a $71.91 quarterly service charge that includes 5,000 gallons; $7.95 per 1,000 gallons above that.
Property tax: 3.20% of value; 2025 tax year, Elmwood Park Boro (Bergen County)
Garbage: Borough of Elmwood Park; The borough's 2026 handbook says regular household garbage is picked up curbside every Monday and Thursday.
Electricity: PSE&G; PSE&G's electric tariff lists Elmwood Park, Borough of in the territory it serves.
Gas: PSE&G; PSE&G's gas tariff lists Elmwood Park, Borough of in the territory it serves.

Pay or manage your bills

Your water

Source: The Elmwood Park water supply obtains its entire water supply from the Passaic Valley Water Commission (PVWC).

Other NJ cities

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How these numbers are made

Property tax: Elmwood Park's 2025 general tax rate of 3.202 per $100 of assessed value (the state's table; a 2026 rate is not yet published), applied to the state's 2026 average residential assessment of $632,011 (no median is published).
Water: Ordinance 26-01 rates in the borough code (adopted April 16, 2026): $71.91 quarterly service charge for a 5/8-inch meter (divided by 3 = $23.97 a month) covering 5,000 gallons a quarter (5 / 3 = 1.667 thousand gallons a month), then $7.95 per 1,000 gallons, $9.39 over 70,000, $9.76 over 150,000, $10.49 over 300,000 gallons a quarter (breakpoints divided by 3). The water page default use is the page's standard; no typical use was published.
Sewer and garbage: the borough sewer chapter (ecode360, Chapter 25) sets only a one-time connection fee and no recurring user charge, and the borough water chapter bills only water, so sewer is modeled at $0 within property tax. Garbage is borough curbside pickup with no household bill in the 2026 waste handbook, modeled at $0. This is a modeling inference, not a published statement.
Electricity and gas: PSE&G Rate Schedule RS (BGS-RSCP supply) and RSG (BGSS), tariffs effective October 1, 2026, weighted 4 summer months to 8 other months. Typical use is PSE&G's 558 kWh and 1,040 therms a year / 12.
Insurance: New Jersey's 2022 average homeowners premium from NAIC data.
Sewer: no recurring sewer charge found in Chapter 25; modelled as $0 recurring (billed via tax).
Nothing here is legal, tax or insurance advice.

Sources

How Elmwood Park compares

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

Per year	Elmwood Park	Median	Where it falls
Property tax rate	3.20%	2.66%	higher than 24 of the other 38 New Jersey cities we cover
Water	$771	$771	in the middle of 40 other 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	$25,418	$16,741	higher than 38 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. 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?"

2. 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?"

See who is running in your city →

Common questions about Elmwood Park house costs

What is the property tax rate in Elmwood Park?

About 3.20% of the value before exemptions a year (2025 tax year, Elmwood Park Boro (Bergen County)), plus flat charges on the same bill (Sewer $0).

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

About $16,010 a year on $500,000 of the value before exemptions.

How much is the water bill in Elmwood Park?

About $64 a month for water at typical use (7,000 gallons a month) on Elmwood Park Water Department.

How much does trash pickup cost in Elmwood Park?

$0 a month for a house.

Can seniors lower their property tax or bills in Elmwood Park?

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 Elmwood Park cost to run each year?

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