What a Hopatcong 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 $380,785 of value before exemptions. Typical use.
- Property tax$8,956
2.352% of $380,785
- Electricity and gas$4,010
777 kWh a month $1,985 · 100 therms $2,025
- Water and sewer$1,564
7,000 gallons a month on Hopatcong Borough Water Utility: water $40, sewer $90 a month
- Trash$0
Your own cans, $0 a month
- Home insurance$1,417
Typical premium $1,417
A typical Hopatcong house costs about $16,000 a year: $8,960 property tax and charges, $1,560 water and sewer, $0 trash, $4,010 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 $284 a year:
Bring water use down to 4 units
$284 a yearAbove 4 units a month, Hopatcong Borough Water Utility charges $4.73 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.
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.
- QuarterlyProperty taxes are due February 1, May 1, August 1 and November 1; after a 10 calendar day grace period interest runs from the due date, at 8% on the first $1,500 and 18% above $1,500.
Who serves this house
- Water
- Hopatcong Borough Water Utility
- $85 per quarter for 10,000 gallons or less; $3.54 per 1,000 gallons over 10,000 gallons.
- Property tax
- 2.35% of value
- 2026 tax year, Hopatcong Boro (Sussex County)
- Garbage
- Borough pickup by section
- The borough's 2026 calendar schedules garbage pickup by section.
- Sewer
- Hopatcong Borough Sewer Department
- Sewer bills are mailed annually in December with four quarterly due dates.
- Electricity
- JCP&L
- JCP&L's zip code list includes 07843 Hopatcong.
- Gas
- New Jersey Natural Gas
- NJNG's tariff lists Hopatcong Borough among the municipalities it serves.
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 costsRoselle Park home costsNew Providence home costsEatontown 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: Hopatcong's 2026 rate of 2.352 per $100 (Sussex County Board of Taxation table), applied to the state's 2026 average residential assessment of $380,785 (no median is published).
- Water: the borough's rate sheet lists $85 per quarter for 10,000 gallons or less and $3.54 per 1,000 gallons over; modeled as $85 / 3 per month with the first 10,000 gallons per quarter (3,333 per month) included.
- Sewer: $270.00 per quarter on the same sheet, modeled as $90 per month (the borough now bills it annually in December with quarterly due dates).
- Electricity and gas: JCP&L and NJNG tariffs as for other Sussex/Ocean County customers; the NJNG tariff lists Hopatcong, but not every street has gas service.
- Garbage: modeled at $0 because no per-household garbage charge was found; no official statement of how regular pickup is funded was located, so this is unproven.
- Nothing here is legal, tax or insurance advice.
- https://hopatcong.org/2026%20Borough%20Calendar%20CORRECT%20COPY%20(2).pdf
- https://hopatcong.org/Departments/Water%20Utility/W-SInfoFaxDoc.pdf
- https://hopatcong.org/Hopatcong%20CCR%202025.pdf
- https://hopatcong.org/community/garbage___recycling/index.php
- https://hopatcong.org/departments/collection/payments.php
- https://www.firstenergycorp.com/content/dam/customer/Customer%20Choice/Files/New%20Jersey/JCPLZipCodes.pdf
- https://www.firstenergycorp.com/content/dam/customer/Customer%20Choice/Files/New%20Jersey/tariffs/BPU-14-Part-III-Eff-9-1-2026.pdf
- https://www.firstenergycorp.com/content/dam/customer/Customer%20Choice/Files/New%20Jersey/tariffs/JCPL-BGS-Compliance-Tariff-Filing-Effective-6-1-2026.pdf
- https://www.iii.org/fact-statistic/facts-statistics-homeowners-and-renters-insurance
- https://www.nj.gov/bpu/pdf/boardorders/2026/20260909/2B%20ORDER%20NJNG%20BGSS%20CIP%20Provisional%20Rates.pdf
- https://www.nj.gov/bpu/pdf/publicnotice/EO25100570%20-%20JCPL%20ENJ%20Public%20Hearing%20Notice%209.9.26.pdf
- https://www.nj.gov/treasury/taxation/lpt/lpt-appeal.shtml
- https://www.nj.gov/treasury/taxation/lpt/lpt-disabledvet.shtml
- https://www.nj.gov/treasury/taxation/lpt/lpt-seniordeduction.shtml
- https://www.nj.gov/treasury/taxation/pdf/lpt/class4/2026AvgResStat.pdf
- https://www.nj.gov/treasury/taxation/pdf/lpt/gtr/2025taxrates.pdf
- https://www.nj.gov/treasury/taxation/staynj/index.shtml
- https://www.njng.com/regulatory/Tariff-10-1-26-monthly-BGSS1.pdf
- https://www.njng.com/regulatory/pdf/PricetableBGSS.pdf
- https://www.sussex.nj.us/310/Municipal-Tax-Rates
- https://cms8.revize.com/revize/hopatcong/Departments/clerk_registrar/Bulk%20Sticker%20Policy.pdf
- https://ecode360.com/9570575
How Hopatcong compares
A typical Hopatcong house against the 41 New Jersey cities we cover, using the same default numbers as the total above.
| Per year | Hopatcong | Median | Where it falls |
|---|---|---|---|
| Property tax rate | 2.35% | 2.66% | lower than 21 of the other 38 New Jersey cities we cover |
| Water | $484 | $771 | lower than 36 of the other 40 New Jersey cities we cover |
| Sewer and utility-bill fees | $1,080 | $600 | higher than 21 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 | $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 | $15,947 | $16,741 | lower than 27 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. Water
The fact: Water here costs about $484 a year at typical use, lower than 36 of the other 40 New Jersey cities we cover.
Ask: "Water here costs about $484 a year at typical use, lower than 36 of the other 40 New Jersey cities we cover. What drives that cost, and would you change anything?"
2. Sewer and utility-bill fees
The fact: Sewer and flat utility-bill charges here come to about $1,080 a year, higher than 21 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 $1,080 a year, higher than 21 of the other 22 New Jersey cities we cover. What drives that cost, and would you change anything?"
3. 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?"
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?"
Common questions about Hopatcong house costs
What is the property tax rate in Hopatcong?
About 2.35% of the value before exemptions a year (2026 tax year, Hopatcong Boro (Sussex County)), plus flat charges on the same bill.
How much is property tax on a $500,000 house in Hopatcong?
About $11,760 a year on $500,000 of the value before exemptions.
How much is the water bill in Hopatcong?
About $130 a month for water and sewer at typical use (7,000 gallons a month) on Hopatcong Borough Water Utility.
How much does trash pickup cost in Hopatcong?
$0 a month for a house.
When is property tax due in Hopatcong?
Quarterly: Property taxes are due February 1, May 1, August 1 and November 1; after a 10 calendar day grace period interest runs from the due date, at 8% on the first $1,500 and 18% above $1,500.
Can seniors lower their property tax or bills in Hopatcong?
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 Hopatcong cost to run each year?
A typical Hopatcong house costs about $16,000 a year: $8,960 property tax and charges, $1,560 water and sewer, $0 trash, $4,010 electricity and gas, $1,420 home insurance. Estimated from public rates, not anyone's actual bill.