Summit, NJ · Updated Oct 2026

What a Summit 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 Summit house

$26,757a year · $2,230 a month

Starts at $445,056 of value before exemptions. Typical use.

Property tax$20,584
4.625% of $445,056
Electricity and gas$3,139
783 kWh a month $1,923 · 86.6667 therms $1,215
Water and sewer$1,618
7,000 gallons a month on New Jersey American Water: water $101, sewer $34 a month
TrashIncluded
Paid through property tax; no separate trash fee
Home insurance$1,417
Typical premium $1,417

A typical Summit house pays about $26,800 a year: $20,580 property tax and charges, $1,620 water and sewer, $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 20, 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 homeowners under 65; seniors and disability recipients 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 (Summit Tax Assessor: 908-273-6405).
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.
Free bulky-item pickup (Dial-A-Truck)Free
The city picks up large items at the curb at no cost, up to 5 items per appointment.
How: Book in the Dial-a-Truck category on the city's Report-A-Concern page.
Free Transfer Station drop-off$10 permit, then free
Use of the Transfer Station is free to Summit residents with a residential disposal permit, which costs $10 per vehicle or $5 for residents 62 and older. Permit holders can also bring food scraps.
How: Get the resident disposal/parking permit online from the Parking Services Agency.
Check your electricity supply rate
Summit's community energy program charges $0.1446 per kWh on the Standard Option or $0.1461 on the Green Option, under a contract that runs through September 2027. Residents may opt out and stay on JCP&L's Basic Generation Service.
How: Residents can opt out without penalty during the 19-month term: visit njaggregation.us/gscec or call 1-866-688-5197.

Money dates

Nov 2, 2026in 10 daysDeadline to file the 2025 PAS-1, the combined application for Senior Freeze, ANCHOR and Stay NJ, and the 2025 ANCHOR application.
Nov 10, 2026in 18 daysLast day for the 4th-quarter property tax payment (due Nov 1) to reach the Tax Office without a penalty; postmarks don't count.
Feb 1, May 1, Aug 1, Nov 1in 101 daysQuarterly property tax due dates; payment must reach the Tax Office within the 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; Summit is in Service Area 1, billed under Rate Schedule A-1 (general metered service), monthly; tariff effective September 15, 2026
Property tax: 4.63% of value; 2026 tax year, City of Summit (Union County): the city's 2026 estimated rate breakdown
Garbage: City of Summit Division of Public Works; Trash is collected weekly by the Division of Public Works; recycling is handled by Grand Sanitation on the same day as trash collection.
Electricity: JCP&L; For Summit residents in the community energy program, JCP&L continues to deliver the electricity and manage billing while Direct Energy supplies it.
Gas: PSE&G; Residential gas service under PSE&G's tariff.
Schools: Summit school district; The local school district is the biggest part of the property tax bill (52.03% of 2024 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).

Other NJ cities

What a Clifton house pays What a Bridgeton house pays What a Point Pleasant house pays What a Ramsey house pays

How these numbers are made

Property tax: the City of Summit's 2026 estimated rate breakdown per $100 of assessed value from its 2026 budget snapshot (school 2.28, school debt 0.168, county and open space 1.10, city 0.97, library 0.107; total 4.625), applied to the assessed value. Neither the Union County Board of Taxation's rates page nor the state's general tax rate table had a 2026 rate for Summit when checked (both stop at 2025, when Summit's rate was 4.471).
Typical home: the state's 2026 average residential assessment for Summit, $445,056. Summit assessments are about a third of market value (2025 assessed-to-true-value ratio 33.07%; last revaluation 1994), so assessed values look low next to sale prices. The state's 2025 effective tax rate for Summit, 1.475, means taxes come to about 1.5% of market value.
Water: New Jersey American Water's Short Hills system (PWS ID NJ0712001, from its 2025 water quality report) serves Summit; Rate Schedule A-1 (Summit is in Service Area 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: the 2026 City of Summit sewer user charge of $403.00 is billed once a year; we show it as $403.00 / 12 = $33.58 a month. We treat one house as one unit, which the resolution does not define. Garbage: we found no trash fee on any Summit bill or fee schedule (the city's Public Works collects trash), so it is $0 here.
Electricity: JCP&L Service Classification RS with default BGS supply, weighted 4 summer months (June to September) to 8 other months: $4.27 a month plus $0.193872 per kWh for the first 600 kWh and $0.216823 above 600 (October to May alone is $0.202288 for all kWh). Each rate adds distribution, transmission, BGS and the NGC, SBC, RRC, LRAM, CRC and ZEC riders (all including sales tax). It uses BGS, not the community energy program's $0.1446 Standard Option. Gas: PSE&G Rate Schedule RSG with BGSS supply: $10.00 a month plus $1.053354 per therm (distribution plus the SBC, margin adjustment, green programs, tax adjustment credit, conservation incentive and COVID-19 charges); the winter balancing charge is not included.
Insurance: New Jersey's 2022 average homeowners premium from NAIC data.
Typical use: 783 kWh a month (JCP&L's typical residential customer in a 2024 BPU notice) and 1,040 therms a year / 12 = 86.7 therms a month (PSE&G's typical gas heating customer in the September 2026 BPU order).
Nothing here is legal, tax or insurance advice.

Sources

How Summit compares

A typical Summit house against the 320 cities we cover nationwide, using the same default numbers as the total above.

Per year	Summit	Median	Where it falls
Property tax rate	4.63%	1.23%	higher than 306 of the other 314 cities we cover nationwide
Water	$1,215	$654	higher than 295 of the other 319 cities we cover nationwide
Sewer and utility-bill fees	$403	$735	lower than 249 of the other 284 cities we cover nationwide
Electricity and gas	$3,139	$2,743	higher than 215 of the other 319 cities we cover nationwide
Home insurance	$1,417	$1,492	lower than 250 of the other 314 cities we cover nationwide
Total	$26,757	$11,671	higher than 313 of the other 319 cities we cover nationwide

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: Summit's property tax rate is 4.63%, higher than 306 of the other 314 cities we cover nationwide. The rate adds up every agency on the bill, not only the city.

Ask: "Property tax in Summit is 4.63%, higher than 306 of the other 314 cities we cover nationwide. 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 295 of the other 319 cities we cover nationwide.

Ask: "Water here costs about $1,215 a year at typical use, higher than 295 of the other 319 cities we cover nationwide. What drives that cost, and would you change anything?"

3. Sewer and utility-bill fees

The fact: Sewer and flat utility-bill charges here come to about $403 a year, lower than 249 of the other 284 cities we cover nationwide. Some cities bill sewer on the property tax bill instead, which is not counted here.

Ask: "Sewer and flat utility-bill charges here cost about $403 a year, lower than 249 of the other 284 cities we cover nationwide. What drives that cost, and would you change anything?"

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Common questions about Summit house costs

What is the property tax rate in Summit?

About 4.63% of the value before exemptions a year (2026 tax year, City of Summit (Union County): the city's 2026 estimated rate breakdown), plus flat charges on the same bill.

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

About $23,125 a year on $500,000 of the value before exemptions.

How much is the water bill in Summit?

About $135 a month for water and sewer at typical use (7,000 gallons a month) on New Jersey American Water.

How much does trash pickup cost in Summit?

Paid through property tax; no separate trash fee

When is property tax due in Summit?

Nov 10, 2026: Last day for the 4th-quarter property tax payment (due Nov 1) to reach the Tax Office without a penalty; postmarks don't count. Feb 1, May 1, Aug 1, Nov 1: Quarterly property tax due dates; payment must reach the Tax Office within the 10-day grace period.

Can seniors lower their property tax or bills in Summit?

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 homeowners under 65; seniors and disability recipients apply on Form PAS-1.

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

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