South Amboy, NJ · Updated Oct 2026

What a South 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.

Example · a South Amboy house

$15,151a year · $1,263 a month

Starts at $276,220 of value before exemptions. Typical use.

Property tax$8,886
3.217% of $276,220
Electricity and gas$3,137
777 kWh a month $1,985 · 86.6667 therms $1,152
Water and sewer$1,711
9 units (CCF) a month on Middlesex Water Company: water $103, sewer $40 a month
Trash$0
Curbside trash collection, $0 a month
Home insurance$1,417
Typical premium $1,417

A typical South Amboy house costs about $15,200 a year: $8,890 property tax and charges, $1,710 water and sewer, $0 trash, $3,140 electricity and gas, $1,420 home insurance. 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 eligible 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 under 65; seniors and disability recipients apply on Form PAS-1.
How: The deadline to apply for the 2025 ANCHOR application is November 2, 2026.
Bulk pickup on set Wednesdays6 times a year
The city's 2026 bulk pickup schedule says no more than 10 items, bundled, bagged or canned, and no construction or hazmat materials or tires.
How: Find your Wednesday by trash day on the city's 2026 bulk pickup schedule.

Money dates

Sewer bills: April, July, October, JanuaryThe city mails a sewer bill every 3 months; each is due on the first of the following month (May, August, November, February).
Late tax paymentsInterest is 8% on the first $1,500 of delinquency and 18% on any amount over $1,500.

Who serves this house

Water: Middlesex Water Company; General Water Service consumption charge is $86.7288 per thousand cubic feet. The facilities charge for a 5/8-inch meter is $73.11 per quarter.
Property tax: 3.22% of value; 2025 tax year rates, South Amboy City (Middlesex County)
Garbage: City of South Amboy; The city publishes a trash collection schedule by street for Monday, Tuesday, Thursday and Friday.
Sewer: City of South Amboy; The city bills sewer every 3 months, based on Middlesex Water meter readings.
Electricity: JCP&L; JCP&L lists ZIP 08879, South Amboy, in its service area.
Gas: PSE&G; PSE&G's gas tariff lists the City of South Amboy in its territory.

Pay or manage your bills

Other NJ cities

Clifton home costs Summit home costs Bridgeton home costs Point Pleasant home costs Ramsey home costs Perth Amboy home costs Elizabeth home costs Trenton home costs Linden home costs Princeton home costs Fort Lee home costs Glassboro home costs North Plainfield home costs Elmwood Park home costs Palisades Park home costs New Milford home costs North Arlington home costs South River home costs Edgewater home costs Middlesex home costs Hopatcong home costs Roselle Park home costs New Providence home costs Eatontown home costs Oakland home costs Freehold home costs Bound Brook home costs Hasbrouck Heights home costs Wallington home costs Bellmawr home costs Ridgefield home costs Wanaque home costs Westwood home costs Manville home costs Lincoln Park home costs Somers Point home costs Hillsdale home costs Burlington home costs Woodbury home costs Chatham home costs

How these numbers are made

Property tax: the 2025 general tax rate for South Amboy City, 3.217 per $100 of assessed value, split as in the state's Abstract of Ratables: school 1.340, county 0.496, county open space 0.047, municipal purpose 1.282, library 0.052. 2026 rates are not out yet.
Typical home: the state's 2026 average residential assessment, $276,220. Assessments average 64.05% of true value.
Water: Middlesex Water Rate Schedule No. 1: $86.7288 per thousand cubic feet = $8.67288 per CCF, plus $24.37 a month facilities charge (5/8-inch meter, $73.11 a quarter) and the $0.31 a month lead service line charge. PWAC and DSIC riders are $0.00 in this tariff. Middlesex bills quarterly; shown per month.
Sewer: Ordinance 16-2019 sets $44.24 per 1,000 cubic feet of water used from September 1, 2021 'and thereafter' = $4.424 per CCF; no later increase was found. No separate fixed sewer charge is listed.
Electricity: JCP&L Rate RS as in the Sayreville page (tariff effective September 1, 2026, BGS June 2026 to May 2027, weighted 4 summer to 8 other months). Gas: PSE&G Rate RSG. NJ Natural Gas may serve parts of the city; not checked. Insurance: New Jersey 2022 average (NAIC via III).
Garbage: collected by the city's Public Works crews; no separate trash fee was found in the city's budget or bills, so $0 is shown and the cart size is a placeholder.
Nothing here is legal, tax or insurance advice.

Sources

How South Amboy compares

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

Per year	South Amboy	Median	Where it falls
Property tax rate	3.22%	2.66%	higher than 25 of the other 38 New Jersey cities we cover
Water	$1,233	$771	higher than 40 of the other 40 New Jersey cities we cover
Sewer and utility-bill fees	$478	$600	lower than 16 of the other 22 New Jersey cities we cover
Trash	$0	$0	lower than 3 of the other 29 New Jersey cities we cover
Electricity and gas	$3,137	$3,056	higher than 24 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	$15,151	$16,741	lower than 30 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 $1,233 a year at typical use, higher than 40 of the other 40 New Jersey cities we cover.

Ask: "Water here costs about $1,233 a year at typical use, higher than 40 of the other 40 New Jersey cities we cover. What drives that cost, and would you change anything?"

2. 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?"

See who is running in your city →

Common questions about South Amboy house costs

What is the property tax rate in South Amboy?

About 3.22% of the value before exemptions a year (2025 tax year rates, South Amboy City (Middlesex County)), plus flat charges on the same bill.

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

About $16,085 a year on $500,000 of the value before exemptions.

How much is the water bill in South Amboy?

About $143 a month for water and sewer at typical use (9 units, or 6,732 gallons a month) on Middlesex Water Company.

How much does trash pickup cost in South Amboy?

$0 a month for a house.

Can seniors lower their property tax or bills in South Amboy?

Yes. Homeowners with income up to $250,000: ANCHOR property tax relief (up 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. The state filed for most eligible homeowners under 65; seniors and disability recipients apply on Form PAS-1.

How much does a house in South Amboy cost to run each year?

All New Jersey cities All cities