New Providence, NJ · Updated Oct 2026

What a New Providence 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 New Providence house

$22,412a year · $1,868 a month

Starts at $311,020 of value before exemptions. Typical use.

Property tax$16,982
5.460% of $311,020
Electricity and gas$3,139
783 kWh a month $1,923 · 86.6667 therms $1,215
Water$875
4,000 gallons a month on New Jersey American Water: water $73 a month
TrashIncluded
Paid through property tax; no separate trash fee
Home insurance$1,417
Typical premium $1,417

A typical New Providence house costs about $22,400 a year: $16,980 property tax and charges, $870 water, $3,140 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:

Homeowners with income up to $250,000: ANCHOR property tax reliefUp to $1,500 a year
New Jersey pays homeowners $1,500 if 2025 income was $150,000 or less, or $1,000 if it was $150,001 to $250,000. The state filed for most eligible homeowners who are under 65 and not collecting Social Security Disability or Railroad Retirement Disability benefits; seniors and those collecting those benefits apply on Form PAS-1.
How: Check your status or apply on the NJ Division of Taxation ANCHOR page by November 2, 2026.
Seniors 65+: Stay NJUp to $6,500 a year
Seniors who owned and lived in their home all of 2025 can get up to $6,500 a year 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.
Seniors 65+ or disabled, with limited income: $250 property tax deductionUp to $250 a year
Homeowners 65 or older, or disabled, who meet the income limit get $250 off the property tax bill each year.
How: File Form PTD with your local assessor or tax collector.
Veterans: $250 property tax deductionUp to $250 a year
Honorably discharged veterans with active duty military service may qualify for an annual $250 property tax deduction.
How: File Form V.S.S. and all documentary proofs with your local assessor or tax collector.
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 Form D.V.S.S.E. and documentary proofs with your local assessor.

Money dates

Feb 1, May 1, Aug 1, Nov 1in 89 daysQuarterly property tax due dates; the borough offers a 10-day grace period.
Apr 1Last day to file a property assessment appeal with the Union County Board of Taxation (paper appeals by 4 pm).

Who serves this house

Water: New Jersey American Water; New Jersey American Water serves New Providence; general metered service is billed monthly (tariff effective September 15, 2026)
Property tax: 5.46% of value; 2026 tax year, Borough of New Providence (Union County): the 2026 final tax rate
Garbage: Suburban Disposal (garbage); Grand Sanitation (recycling); Garbage is collected once per week. Recycling is collected on Wednesdays, alternating east and west sides of town.
Electricity: Jersey Central Power & Light; The borough's utility directory lists Jersey Central Power and Light Co. for electric.
Gas: PSE&G; The PSE&G gas tariff lists the Borough of New Providence in the territory it serves.
Schools: New Providence school district; The local school district is the biggest part of the property tax bill (60.14% of 2025 levies).

Pay or manage your bills

Your water

Source: 25 wells, 4 surface water intakes, 12 purchased ground water sources and 3 purchased surface water sources; sources include the Passaic River, Canoe Brook and the Brunswick aquifer.
Violation: May 2025: the chlorine level from the Short Hills Well Station fell below the 0.5 ppm minimum; the station was taken out of service and affected customers were notified.
Lead: 2025 tap tests: 90th percentile 3 ppb (action level 15); 2 of 56 homes were above the action level.
Hardness: Total hardness ranged from 52 to 342 ppm (2024).
Credit: Eligible customers get a $9.88 monthly PLUS PFAS settlement credit for 12 months (about $119 over the year).

Other NJ cities

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How these numbers are made

Property tax: the borough's 2026 final tax rate of 5.460% (municipal, county and school combined, per $100 of assessed value x 0.0546), applied to the assessed value; the 2026 split between municipal, county and school was not yet published, so one combined part is used. A special improvement district rate of 0.200% applies to that district only and is not included.
Typical home: the state's 2026 average residential assessment for New Providence Boro, $311,020 (no median is published). Assessments are about a third of sale prices until the borough-wide revaluation takes effect in the 2027 tax year.
Water: New Jersey American Water's Short Hills system (PWS ID NJ0712001) serves New Providence; Rate Schedule A-1, effective September 15, 2026: $24.00 a month for a 5/8-inch meter plus $11.4693 per 1,000 gallons ($10.3166 water charge plus purchased-water, lead-service-line and special-program surcharges).
Sewer and garbage: no sewer or trash charge for a single-family house appears in the borough's fee schedule or budget (sewer rentals and solid waste are budget lines paid from general revenue), so both are $0 here.
Electricity: JCP&L Service Classification RS with default BGS supply, weighted 4 summer months to 8 other months, $4.27 a month plus $0.193872 per kWh for the first 600 kWh and $0.216823 above 600. Gas: PSE&G Rate Schedule RSG with BGSS supply, $10.00 a month plus $1.053354 per therm; the winter balancing charge is not included.
Insurance: New Jersey's statewide 2022 average homeowners premium (NAIC data via the Insurance Information Institute); it is a statewide figure and probably runs low for a town with a $1.05M average sale price. Typical use: 783 kWh a month (JCP&L) and 1,040 therms a year / 12 (PSE&G); water 5,700 gallons a month, the typical stated by New Jersey American Water.
Modelling: the $9.88 PLUS credit (12 months from September 2026) is not subtracted from the bill shown; New Providence is a franchise customer billed under Rate Schedule A-1.
Nothing here is legal, tax or insurance advice.

Sources

How New Providence compares

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

Per year	New Providence	Median	Where it falls
Property tax rate	5.46%	2.66%	higher than 35 of the other 38 New Jersey cities we cover
Water	$875	$771	higher than 24 of the other 40 New Jersey cities we cover
Electricity and gas	$3,139	$3,056	higher than 26 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	$22,412	$16,741	higher than 33 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: New Providence's property tax rate is 5.46%, higher than 35 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 New Providence is 5.46%, higher than 35 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?"

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Common questions about New Providence house costs

What is the property tax rate in New Providence?

About 5.46% of the value before exemptions a year (2026 tax year, Borough of New Providence (Union County): the 2026 final tax rate), plus flat charges on the same bill.

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

About $27,300 a year on $500,000 of the value before exemptions.

How much is the water bill in New Providence?

About $73 a month for water at typical use (4,000 gallons a month) on New Jersey American Water.

How much does trash pickup cost in New Providence?

Paid through property tax; no separate trash fee

When is property tax due in New Providence?

Feb 1, May 1, Aug 1, Nov 1: Quarterly property tax due dates; the borough offers a 10-day grace period.

Can seniors lower their property tax or bills in New Providence?

Yes. Homeowners with income up to $250,000: ANCHOR property tax relief (up to $1,500 a year): New Jersey pays homeowners $1,500 if 2025 income was $150,000 or less, or $1,000 if it was $150,001 to $250,000. The state filed for most eligible homeowners who are under 65 and not collecting Social Security Disability or Railroad Retirement Disability benefits; seniors and those collecting those benefits apply on Form PAS-1.

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

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