Ramsey, NJ · Updated Oct 2026

What a Ramsey house pays

Property tax, water, trash and energy from public rates. Look up your address to make it yours, and see how to pay less.

Sent only to free public map services to find who serves it. Not stored unless you save your house.

Example · a Ramsey house

$22,096a year · $1,841 a month

Starts at $753,445 of value before exemptions. Typical use.

A typical Ramsey house pays about $22,100 a year: $15,510 property tax and charges, $1,410 water and sewer, $0 trash, $3,760 electricity and gas, $1,420 home insurance. Estimated from public rates, not anyone's actual bill.

Rates checked Oct 22, 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 $638 a year:

Bring water use down to 3 units
$638 a year
Above 3 units a month, Ramsey Water Department (Board of Public Works) charges $8.86 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.
Seniors 65+ or disabled: 15% off the water minimum15% off the minimum flat water rate
Ramsey offers a 15% discount only on the minimum flat water rate for seniors (65+) or persons with disabilities.
How: A form for Senior/Disabled residents can be found online or in our office; provide proof of address and age.

Money dates

Nov 2, 2026in 10 daysDeadline to file the 2025 PAS-1 for Stay NJ.
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 four times a year with a ten-day grace period; Ramsey charges 8% on the first $1,500 and 18% above $1,500 on delinquencies.

Who serves this house

Water: Ramsey Water Department (Board of Public Works); In town: $39.78 (up to 6,000 gallons); excess $6.63 per 1,000 gallons. Bills are sent out quarterly.
Property tax: 2.06% of value; 2025 tax year, Ramsey Boro (Bergen County)
Garbage: Borough of Ramsey (contractor Suburban Disposal); Garbage and recycling collection are provided by the Borough, which contracts with Suburban Disposal.
Water and sewer: Ramsey Board of Public Works; Water and sewer bills are sent out quarterly by the Ramsey Board of Public Works.
Electricity: Rockland Electric Company; Rockland Electric's tariff lists Ramsey in the territory it serves.
Gas: PSE&G; PSE&G's gas tariff lists Ramsey, Borough of in the territory it serves.

Pay or manage your bills

Other NJ cities

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How these numbers are made

Property tax: Ramsey's 2025 general tax rate of 2.059 per $100 of assessed value (the state's table; a 2026 rate is not yet published), applied to the state's 2026 average residential assessment of $753,445 (no median is published).
Water and sewer: the in-town rates on the borough's water and sewer FAQ page ($39.78 for up to 6,000 gallons, $6.63 per 1,000 gallons over; sewer $134.75 for up to 12,500 gallons, $10.78 per 1,000 gallons over) are modeled as quarterly amounts divided by 3, because bills go out quarterly. The FAQ page is undated. Ordinance 18-2026 (introduced July 22, 2026; final hearing listed on the Aug. 26, 2026 agenda) would set the water minimum at $41.22 per quarter and $6.87 per 1,000 gallons over 6,000; no record of its adoption was found, so the FAQ figures are used. No 2026 sewer schedule was found, so the sewer figures may not reflect any 2026 change. Sewer excess is charged on gallons used.
Garbage: the borough contracts for collection and no resident fee or tax-bill line was found, so it is modeled at $0.
Electricity: Rockland Electric SC 1 (tariff effective July 1, 2026, transmission leaf Oct 1, 2026): distribution, distribution adjustment, transmission and surcharge, BGS-RSCP supply (June 1, 2026 rates), BGS reconciliation credit, SBC, RGGI, ZEC and CIP (Group A), weighted 1 summer-rate month to 2 other-rate months in thirds (4 of 12 months summer). BGS and transmission charges are used as listed, without added sales tax, so bills may run slightly higher. Typical use is the 925 kWh the BPU order cites; gas use of 1,040 therms a year / 12 is a typical PSE&G heating customer's use taken from the Maywood page, not a Ramsey figure, priced at PSE&G's RSG rates with BGSS.
Insurance: New Jersey's 2022 average homeowners premium from NAIC data, the latest figure found; it is a statewide average, not a Ramsey figure.
Nothing here is legal, tax or insurance advice.

Sources

Common questions about Ramsey house costs

What is the property tax rate in Ramsey?

About 2.06% of the value before exemptions a year (2025 tax year, Ramsey Boro (Bergen County)), plus flat charges on the same bill.

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

About $10,295 a year on $500,000 of the value before exemptions.

How much is the water bill in Ramsey?

About $117 a month for water and sewer at typical use (7,000 gallons a month) on Ramsey Water Department (Board of Public Works).

How much does trash pickup cost in Ramsey?

$0 a month for a house.

When is property tax due in Ramsey?

Quarterly: Property taxes are due four times a year with a ten-day grace period; Ramsey charges 8% on the first $1,500 and 18% above $1,500 on delinquencies.

Can seniors lower their property tax or bills in Ramsey?

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 Ramsey cost to run each year?

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