Freehold, NJ · Updated Oct 2026

What a Freehold 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 Freehold house

$15,709a year · $1,309 a month

Starts at $441,004 of value before exemptions. Typical use.

Property tax$8,842
2.005% of $441,004
Electricity and gas$4,010
777 kWh a month $1,985 · 100 therms $2,025
Water and sewer$1,440
7,000 gallons a month on Borough of Freehold Water Department: water $38, sewer $82 a month
TrashNot included
The borough’s garbage hauler is DeLisa Waste; the borough lists no separate trash fee.
Home insurance$1,417
Typical premium $1,417

A typical Freehold house costs about $15,700 a year: $8,840 property tax and charges, $1,440 water and sewer, $4,010 electricity and gas, $1,420 home insurance; trash is billed separately. 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.
Low-income households: LIHWAP can help with water and sewer arrearsHelp with arrears
The State Low Income Household Water Assistance Program can help you pay arrears for your water and sewer bills.
How: Apply at waterassistance.nj.gov or call NJ211.

Money dates

Feb 1, May 1, Aug 1, Nov 1in 89 daysProperty taxes are due on February 1, May 1, August 1, and November 1.
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.
10 day grace periodThere is a ten day grace period for the payment of taxes.
Within 30 days of bill dateWater and sewer bills are mailed quarterly; payment must be received within 30 days of the bill date to avoid additional charges.

Who serves this house

Water: Borough of Freehold Water Department; Borough water rates effective April 1, 2026: quarterly minimum of $41.24 includes 6,000 gallons, then a surcharge per 1,000 gallons.
Property tax: 2.00% of value; 2025 tax year, Freehold Borough (Monmouth County)
Garbage: DeLisa Waste (Borough hauler); Freehold Borough's garbage hauler is DeLisa Waste.
Sewer: Borough of Freehold Water and Sewer Department; The borough runs its own municipal sanitary sewer system.
Electricity: JCP&L (Jersey Central Power & Light); JCP&L lists zip code 07728 for Freehold.
Gas: New Jersey Natural Gas; NJNG's tariff lists Freehold Borough in its territory.

Pay or manage your bills

Other NJ cities

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How these numbers are made

Property tax: the state’s 2025 total general tax rate for Freehold Boro, 2.005 per $100 of assessed value, as a single line (municipal, county and school combined). The 2026 rate was not yet published.
Typical home: the state’s 2025 average residential assessment for Freehold Boro, $441,004, the same year as the 2.005 rate.
Water and sewer (Borough of Freehold, rates effective April 1, 2026, billed quarterly): water minimum $41.24 per quarter with a 6,000 gallon allowance, divided by 3 for a monthly fixed charge and 2,000 gallons a month included; then $5.03 per 1,000 gallons up to 30,000 a quarter, $5.62 to 50,000, $6.17 to 100,000 and $7.58 above, with quarterly breakpoints divided by 3. Sewer: Borough minimum $8.54 plus MRRSA minimum $55.09 per quarter, divided by 3; per-1,000-gallon sewer charge is the water surcharge times (0.340 + 2.233) = 2.573, priced at the $5.03 tier, which is the rate for use up to 10,000 gallons a month. Use above that is billed higher by the borough and is slightly understated here.
Electricity: JCP&L Rate RS as in the Eatontown 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.

Sources

How Freehold compares

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

Per year	Freehold	Median	Where it falls
Property tax rate	2.00%	2.66%	lower than 32 of the other 38 New Jersey cities we cover
Water	$451	$771	lower than 38 of the other 40 New Jersey cities we cover
Sewer and utility-bill fees	$989	$600	higher than 19 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	$15,709	$16,741	lower than 28 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: Freehold's property tax rate is 2.00%, lower than 32 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 Freehold is 2.00%, lower than 32 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. Water

The fact: Water here costs about $451 a year at typical use, lower than 38 of the other 40 New Jersey cities we cover.

Ask: "Water here costs about $451 a year at typical use, lower than 38 of the other 40 New Jersey cities we cover. What drives that cost, and would you change anything?"

3. Sewer and utility-bill fees

The fact: Sewer and flat utility-bill charges here come to about $989 a year, higher than 19 of the other 22 New Jersey cities we cover. Some cities bill sewer on the property tax bill instead, which is not counted here.

Ask: "Sewer and flat utility-bill charges here cost about $989 a year, higher than 19 of the other 22 New Jersey cities we cover. What drives that cost, and would you change anything?"

4. 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?"

See who is running in your city →

Common questions about Freehold house costs

What is the property tax rate in Freehold?

About 2.00% of the value before exemptions a year (2025 tax year, Freehold Borough (Monmouth County)), plus flat charges on the same bill.

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

About $10,025 a year on $500,000 of the value before exemptions.

How much is the water bill in Freehold?

About $120 a month for water and sewer at typical use (7,000 gallons a month) on Borough of Freehold Water Department.

How much does trash pickup cost in Freehold?

The borough’s garbage hauler is DeLisa Waste; the borough lists no separate trash fee.

When is property tax due in Freehold?

Feb 1, May 1, Aug 1, Nov 1: Property taxes are due on February 1, May 1, August 1, and November 1.

Where can I get help paying utility bills in Freehold?

Low-income households: LIHWAP can help with water and sewer arrears: The State Low Income Household Water Assistance Program can help you pay arrears for your water and sewer bills. Apply at waterassistance.nj.gov or call NJ211.

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

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