What a North Plainfield 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 $224,839 of value before exemptions. Typical use.
- Property tax$10,633
4.729% of $224,839
- 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
- Trash$0
Private hauler, price not published, $0 a month
- Home insurance$1,417
Typical premium $1,417
A typical North Plainfield house costs about $16,300 a year: $10,630 property tax and charges, $1,210 water, $0 trash, $3,060 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:
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: Check your status or apply on the NJ Division of Taxation ANCHOR page by November 2, 2026.
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.
Who serves this house
- Water
- New Jersey American Water
- North Plainfield is listed in the BPU order's Somerset County franchise customers, marked (2) for Service Area 2.
- Property tax
- 4.73% of value
- 2026 tax year, North Plainfield (Somerset County)
- Electricity
- PSE&G
- PSE&G's electric tariff lists the Borough of North Plainfield in the territory it serves.
- Gas
- PSE&G
- PSE&G's gas tariff lists the Borough of North Plainfield 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 costsElmwood Park home costsPalisades Park home costsNew Milford home costsNorth Arlington home costsSouth River home costsEdgewater home costsMiddlesex 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 2026 North Plainfield rates in the Somerset County Board of Taxation's Abstract of Ratables, per $100 of assessed value (school 2.294, county 0.514, library 0.068, open space 0.056, municipal 1.797; total 4.729), applied to the state's 2026 average residential assessment of $224,839 (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. The borough ordinance sets a 2017 base and raises it by PARSA's yearly percentage increase; the current rate cannot be derived from published figures, so this draft is blocked from publishing. Trash: residents use private garbage companies with no published price.
- Electricity and gas: PSE&G residential rates as on the Plainfield page. Insurance: New Jersey's 2022 average homeowners premium from NAIC data.
- Nothing here is legal, tax or insurance advice.
How North Plainfield compares
A typical North Plainfield house against the 41 New Jersey cities we cover, using the same default numbers as the total above.
| Per year | North Plainfield | Median | Where it falls |
|---|---|---|---|
| Property tax rate | 4.73% | 2.66% | higher than 33 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 |
| Trash | $0 | $0 | lower than 3 of the other 29 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 | $16,320 | $16,741 | lower than 25 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: North Plainfield's property tax rate is 4.73%, higher than 33 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 North Plainfield is 4.73%, higher than 33 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 $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?"
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?"
Common questions about North Plainfield house costs
What is the property tax rate in North Plainfield?
About 4.73% of the value before exemptions a year (2026 tax year, North Plainfield (Somerset County)), plus flat charges on the same bill.
How much is property tax on a $500,000 house in North Plainfield?
About $23,645 a year on $500,000 of the value before exemptions.
How much is the water bill in North Plainfield?
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 North Plainfield?
$0 a month for a house.
How much does a house in North Plainfield cost to run each year?
A typical North Plainfield house costs about $16,300 a year: $10,630 property tax and charges, $1,210 water, $0 trash, $3,060 electricity and gas, $1,420 home insurance. Estimated from public rates, not anyone's actual bill.