Trenton, NJ · Updated Oct 2026

What a Trenton 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 Trenton house

$8,821a year · $735 a month

Starts at $64,862 of value before exemptions. Typical use.

A typical Trenton house costs about $8,800 a year: $3,820 property tax and charges, $590 water and sewer, $0 trash, $2,990 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:

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.
Veterans or seniors who pay sewer on time: 10% discount10% off the sewer bill
Trenton's sewer code grants veterans, seniors and disabled persons who qualify for property tax relief a 10% discount on current sewer bills paid on or before the due date.
How: Pay current bills on time with arrears cleared.
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.

Money dates

Feb 1, May 1, Aug 1, Nov 1in 89 daysProperty taxes are payable quarterly on these dates, with a 10-day grace period.
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.
After the grace periodUnpaid taxes bear interest at 8% a year up to $1,500 and 18% a year over $1,500.

Who serves this house

Water: Trenton Water Works; New rates: $83.20 quarterly fixed charge, $2.22 per CCF for the first 15 CCF each quarter and $3.33 per CCF thereafter. A typical residential customer using approximately 12 CCF per quarter pays about $109.84 each quarter.
Property tax: 5.89% of value; 2025 tax year, Trenton (Mercer County)
Garbage: City of Trenton, Division of Solid Waste Management; The Division is responsible for collection and disposal of solid waste, including bulk items.
Sewer: City of Trenton Sewer Utility; Sewer charges are made quarterly on an as-used basis.
Electricity: PSE&G; PSE&G's electric tariff lists the City of Trenton in its territory.
Gas: PSE&G; PSE&G's gas tariff lists the City of Trenton in its territory.

Pay or manage your bills

Other NJ cities

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How these numbers are made

Property tax: the 2025 Mercer County abstract of ratables breakdown for Trenton per $100 of assessed value (county 0.878, open space 0.051, school 1.148, municipal purpose 3.758, municipal library 0.055; total 5.890). Mercer County's 2026 breakdown (total 6.201) could not be downloaded by the checker, applied to the state's 2026 average residential assessment of $64,862.
Water: Trenton Water Works rates effective October 2, 2026 (billing cycles move to them over several weeks): $83.20 a quarter / 3 = $27.73 a month; $2.22 per CCF for the first 15 CCF a quarter (5 a month), $3.33 above. Typical use 12 CCF a quarter = 4 CCF a month.
Sewer: the city code's per-100-cubic-feet rate for a 5/8-inch meter ($3.15 per 100 cubic feet = per CCF) in the schedule effective July 1, 2010, the latest schedule in the code; a newer ordinance may not be reflected. The $20 quarterly minimum is not added (it applies only to very low use). The page prices sewer per CCF of water used.
Garbage: no residential trash fee was found on the city's pages, so it is modelled as $0; the city's code or budget may charge one through the tax bill. Recycling is run by the Mercer County Improvement Authority.
Electricity and gas: PSE&G Rate Schedule RS / RSG with default supply, same tariff components as other PSE&G cities (6-month weighted summer/winter averages, SUT included). Insurance: NJ 2022 statewide average premium (NAIC via III).
Nothing here is legal, tax or insurance advice.

Sources

How Trenton compares

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

Per year	Trenton	Median	Where it falls
Property tax rate	5.89%	2.66%	higher than 36 of the other 38 New Jersey cities we cover
Water	$439	$771	lower than 39 of the other 40 New Jersey cities we cover
Sewer and utility-bill fees	$151	$600	lower than 22 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	$2,993	$3,056	lower than 21 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	$8,821	$16,741	lower than 40 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: Trenton's property tax rate is 5.89%, higher than 36 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 Trenton is 5.89%, higher than 36 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 $439 a year at typical use, lower than 39 of the other 40 New Jersey cities we cover.

Ask: "Water here costs about $439 a year at typical use, lower than 39 of the other 40 New Jersey cities we cover. 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 $151 a year, lower than 22 of the other 22 New Jersey cities we cover. 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 $151 a year, lower than 22 of the other 22 New Jersey cities we cover. What drives that cost, and would you change anything?"

4. 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?"

5. Electricity and gas

The fact: Electricity and gas for a typical house here cost about $2,993 a year, lower than 21 of the other 40 New Jersey cities we cover. Rates are set mostly by the utility and the state.

Ask: "Electricity and gas here cost about $2,993 a year for a typical house, lower than 21 of the other 40 New Jersey cities we cover. Which parts of that can the city influence, and what would you do about them?"

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Common questions about Trenton house costs

What is the property tax rate in Trenton?

About 5.89% of the value before exemptions a year (2025 tax year, Trenton (Mercer County)), plus flat charges on the same bill.

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

About $29,450 a year on $500,000 of the value before exemptions.

How much is the water bill in Trenton?

About $49 a month for water and sewer at typical use (4 units, or 2,992 gallons a month) on Trenton Water Works.

How much does trash pickup cost in Trenton?

$0 a month for a house.

Can seniors lower their property tax or bills in Trenton?

Yes. Seniors 65+: Stay NJ: 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 much does a house in Trenton cost to run each year?

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