What a Perth Amboy 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 $250,882 of value before exemptions. Typical use.
- Property tax$7,973
3.178% of $250,882
- Electricity and gas$3,669
558 kWh a month $1,841 · 100 therms $1,828
- Water and sewer$1,662
9 units (CCF) a month on Perth Amboy water system: water $69, sewer $69 a month
- TrashIncluded
Listed as a city service
- Home insurance$1,417
Typical premium $1,417
A typical Perth Amboy house costs about $14,700 a year: $7,970 property tax and charges, $1,660 water and sewer, $3,670 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 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:
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 on behalf of most eligible homeowners under 65 who are not collecting Social Security Disability or Railroad Retirement Disability benefits; seniors and those collecting those benefits can apply with PAS-1.
How: 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.
Who serves this house
- Water
- Perth Amboy water system
- Effective 1/1/2026 for a 5/8-inch meter: $38.52 per quarter flat for up to 500 cubic feet, then $7.69 per 100 cubic feet; $8.08 per 100 cubic feet above 10,000 cubic feet per quarter. The ordinance already lists higher rates from 1/1/2027.
- Property tax
- 3.18% of value
- 2025 rates (2026 rates not yet found), Perth Amboy (Middlesex County)
- Garbage
- City of Perth Amboy Department of Public Works
- The Public Works pages list Recycling & Garbage Collection among the city's services.
- Sewer
- City of Perth Amboy
- Sewer use charges are for users of the Middlesex County Utilities Authority treatment works and the City's collection systems.
- Electricity
- PSE&G
- PSE&G's electric tariff lists the City of Perth Amboy in the territory it serves.
- Gas
- Elizabethtown Gas
- Elizabethtown Gas's tariff lists Perth Amboy among the Middlesex County municipalities it serves.
Other NJ cities
Clifton home costsSummit home costsBridgeton home costsPoint Pleasant home costsRamsey 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 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: Perth Amboy's prior-year (2025 calendar-year) rates per $100 of assessed value from the city's 2026 user-friendly budget (school 0.802, county purposes 0.437, county open space 0.041, municipal purpose 1.853, library 0.045; sum 3.178, matching the state's county table). 2026 certified rates were not found.
- Typical home: the state's 2026 average residential assessment for Perth Amboy, $250,882. Assessments average 61.56% of true value (2026 equalization ratio).
- Water and sewer: the city's metered-rate ordinance (water) and Article VI (sewer), effective 1/1/2026, 5/8-inch meter. Quarterly flat charges of $38.52 each are divided by 3 per month and cover the first 500 cubic feet a quarter (1.6667 ccf a month); usage above that is $7.69 per 100 cubic feet for both water and sewer, water is $8.08 above 10,000 cubic feet a quarter.
- Electricity: PSE&G Rate RS as in Clifton's page, weighted 4 summer months to 8 other months, typical use 558 kWh. Gas: Elizabethtown Gas RDS, $11.50 service charge plus $0.6991 distribution, $0.5697 BGSS (Oct 2026), $0.0792 SBC, $0.0535 IIP, $0.0066 CIP per therm; other small riders are not included. Typical gas use is the 100 therms Elizabethtown Gas uses in its heating-customer bill example.
- Garbage: no separate trash fee was found; shown as $0 but how collection is funded (e.g. general taxes) is not confirmed. Insurance: New Jersey's 2022 average homeowners premium (NAIC); no newer figure from an official/NAIC source was found.
- Tax rates are the prior-year (2025) levies, not adopted 2026 rates.
- Garbage: no separate bill or funding source found; not asserted.
- Nothing here is legal, tax or insurance advice.
How Perth Amboy compares
A typical Perth Amboy house against the 41 New Jersey cities we cover, using the same default numbers as the total above.
| Per year | Perth Amboy | Median | Where it falls |
|---|---|---|---|
| Property tax rate | 3.18% | 2.66% | higher than 23 of the other 38 New Jersey cities we cover |
| Water | $831 | $771 | higher than 21 of the other 40 New Jersey cities we cover |
| Sewer and utility-bill fees | $831 | $600 | higher than 15 of the other 22 New Jersey cities we cover |
| Electricity and gas | $3,669 | $3,056 | higher than 29 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 | $14,720 | $16,741 | lower 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.
Common questions about Perth Amboy house costs
What is the property tax rate in Perth Amboy?
About 3.18% of the value before exemptions a year (2025 rates (2026 rates not yet found), Perth Amboy (Middlesex County)), plus flat charges on the same bill.
How much is property tax on a $500,000 house in Perth Amboy?
About $15,890 a year on $500,000 of the value before exemptions.
How much is the water bill in Perth Amboy?
About $138 a month for water and sewer at typical use (9 units, or 6,732 gallons a month) on Perth Amboy water system.
How much does trash pickup cost in Perth Amboy?
Listed as a city service
Can seniors lower their property tax or bills in Perth Amboy?
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 on behalf of most eligible homeowners under 65 who are not collecting Social Security Disability or Railroad Retirement Disability benefits; seniors and those collecting those benefits can apply with PAS-1.
How much does a house in Perth Amboy cost to run each year?
A typical Perth Amboy house costs about $14,700 a year: $7,970 property tax and charges, $1,660 water and sewer, $3,670 electricity and gas, $1,420 home insurance; trash is paid through property tax. Estimated from public rates, not anyone's actual bill.