What a Middlesex 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 $506,119 of value before exemptions. Typical use.
- Property tax$10,993
2.172% of $506,119
- Electricity and gas$3,056
558 kWh a month $1,841 · 86.6667 therms $1,215
- Water$1,215
7,000 gallons a month on New Jersey American Water: water $101 a month
- TrashIncluded
Borough Department of Public Works collects garbage
- Home insurance$1,417
Typical premium $1,417
A typical Middlesex house costs about $16,700 a year: $10,990 property tax and charges, $1,210 water, $3,060 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.
Free curbside bulk pickup once a year
Residential households can have one curbside bulk item collection per calendar year at no charge, up to five cubic yards.
How: Call 732-968-1603 to arrange pickup. Bulk pickup is not offered November 1 through January 31.
Money dates
- Feb 1, May 1, Aug 1, Nov 1in 89 daysProperty taxes are due in four quarterly installments, on the first day 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.
Who serves this house
- Water
- New Jersey American Water
- Middlesex is listed in the BPU order's Middlesex County franchise customers, marked (2) for Service Area 2.
- Property tax
- 2.17% of value
- 2026 tax year, Middlesex (Middlesex County)
- Electricity
- PSE&G
- PSE&G's electric tariff lists the Borough of Middlesex in the territory it serves.
- Gas
- PSE&G
- PSE&G's gas tariff lists the Borough of Middlesex in the territory 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 costsHopatcong 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: the borough's published 2026 rate of 2.172 per $100 (school 1.175, county 0.299, county open space 0.030, local municipal 0.635, library 0.033), applied to the state's 2026 average residential assessment of $506,119 (no median published).
- Water: New Jersey American Water Rate Schedule A-1 (Service Area 2): $10.3166 per 1,000 gallons plus the PWAC, LSLRC, SPC and RESIC per-1,000-gallon charges, and a $24.00 monthly 5/8-inch meter charge.
- Sewer: not modelled as a charge. The borough bills sewer only for water use over 100,000 gallons per meter per year, which a typical household stays under. Trash: collected by the borough's Department of Public Works; no separate garbage fee appears on the borough's pages, so none is counted.
- Electricity and gas: PSE&G residential rates (RS and RSG) as on the North Plainfield page, including Basic Generation and Basic Gas Supply. Insurance: New Jersey's 2022 average homeowners premium from NAIC data.
- Nothing here is legal, tax or insurance advice.
How Middlesex compares
A typical Middlesex house against the 41 New Jersey cities we cover, using the same default numbers as the total above.
| Per year | Middlesex | Median | Where it falls |
|---|---|---|---|
| Property tax rate | 2.17% | 2.66% | lower than 25 of the other 38 New Jersey cities we cover |
| Water | $1,215 | $771 | higher than 34 of the other 40 New Jersey cities we cover |
| Electricity and gas | $3,056 | $3,056 | higher than 20 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 | $16,681 | $16,741 | lower than 21 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 $1,215 a year at typical use, higher than 34 of the other 40 New Jersey cities we cover.
Ask: "Water here costs about $1,215 a year at typical use, higher than 34 of the other 40 New Jersey cities we cover. What drives that cost, and would you change anything?"
Common questions about Middlesex house costs
What is the property tax rate in Middlesex?
About 2.17% of the value before exemptions a year (2026 tax year, Middlesex (Middlesex County)), plus flat charges on the same bill.
How much is property tax on a $500,000 house in Middlesex?
About $10,860 a year on $500,000 of the value before exemptions.
How much is the water bill in Middlesex?
About $101 a month for water at typical use (7,000 gallons a month) on New Jersey American Water.
How much does trash pickup cost in Middlesex?
Borough Department of Public Works collects garbage
When is property tax due in Middlesex?
Feb 1, May 1, Aug 1, Nov 1: Property taxes are due in four quarterly installments, on the first day of February, May, August and November.
How much does a house in Middlesex cost to run each year?
A typical Middlesex house costs about $16,700 a year: $10,990 property tax and charges, $1,210 water, $3,060 electricity and gas, $1,420 home insurance; trash is paid through property tax. Estimated from public rates, not anyone's actual bill.