What a Wanaque 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 $229,473 of value before exemptions. Typical use.
- Property tax$10,420
4.541% of $229,473
- Electricity and gas$3,137
777 kWh a month $1,985 · 86.6667 therms $1,152
- Water and sewer$1,443
7,000 gallons a month on Wanaque Water Department: water $39, sewer $81 a month
- Trash$0
Your own cans, $0 a month
- Home insurance$1,417
Typical premium $1,417
A typical Wanaque house costs about $16,400 a year: $10,420 property tax and charges, $1,440 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:
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.
Money dates
- 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.
- QuarterlyTaxes are payable quarterly on the 1st day of February, May, August and November; Wanaque has a 10 day grace period. Interest is 8% up to $1500 and 18% on the amount over $1500 of delinquency.
Who serves this house
- Water
- Wanaque Water Department
- The minimum charge for residential usage is $50.00 for the first 5,000 gallons, $4.35 per 1,000 gallons from 5,001 gallons to 20,000 gallons and $5.71 per 1,000 gallons over 20,000 gallons.
- Property tax
- 4.54% of value
- 2025 tax year, Wanaque Boro (Passaic County)
- Garbage
- Borough of Wanaque
- Garbage is removed at the general expense of the Borough.
- Water and sewer
- Wanaque Water Department
- The Collector's Office bills and collects water and sewer charges.
- Electricity
- JCP&L
- JCP&L's list of served municipalities includes Wanaque Boro.
- Gas
- PSE&G
- PSE&G's gas tariff lists Wanaque, Borough of in the territory it serves.
Other NJ cities
Clifton home costsSummit home costsBridgeton home costsPoint Pleasant home costsRamsey home costsPerth Amboy 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 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: Wanaque's 2025 general tax rate of 4.541 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 $229,473 (no median is published).
- Water: the Collector's Office page lists $50.00 minimum for the first 5,000 gallons, $4.35 per 1,000 gallons to 20,000 and $5.71 above; Ordinance 3-0-2021 (effective July 1, 2021, scanned PDF) and the water code say bills are quarterly with the minimum and breakpoints per quarter, so they are modeled as $50.00 / 3 a month with breakpoints divided by 3.
- Sewer: $244.49 per quarter per living unit as of 7/1/26, modeled as $244.49 / 3 a month; it is a flat charge not tied to water use.
- Garbage: the borough code says collection is at the general expense of the Borough, so no separate fee is modeled.
- Electricity: JCP&L Residential Service RS and gas: PSE&G Rate Schedule RSG (Basic Gas Supply Service), modeled year-round at 777 kWh and about 87 therms a month; insurance is the New Jersey statewide average.
- Nothing here is legal, tax or insurance advice.
- https://www.firstenergycorp.com/content/dam/customer/Customer%20Choice/Files/New%20Jersey/tariffs/BPU-14-Part-III-Eff-9-1-2026.pdf
- https://www.firstenergycorp.com/content/dam/customer/Customer%20Choice/Files/New%20Jersey/tariffs/JCPL-BGS-Compliance-Tariff-Filing-Effective-6-1-2026.pdf
- https://www.nj.gov/bpu/pdf/publicnotice/EO25100570%20-%20JCPL%20ENJ%20Public%20Hearing%20Notice%209.9.26.pdf
- https://www.firstenergycorp.com/content/dam/customer/Customer%20Choice/Files/New%20Jersey/JCPLZipCodes.pdf
- JCP&L tariff Part I-II
- gas-tariff-17-iap-bgss-balancing-cip-usf-effective-20261001.
- 2I%20ORDER%20PS%2026-27%20BGSS%20Provisional%20Rates.pdf
- https://www.iii.org/fact-statistic/facts-statistics-homeowners-and-renters-insurance
- https://www.nj.gov/treasury/taxation/staynj/index.shtml
- https://www.nj.gov/treasury/taxation/lpt/lpt-disabledvet.shtml
- https://www.nj.gov/treasury/taxation/lpt/lpt-seniordeduction.shtml
- https://www.nj.gov/treasury/taxation/lpt/lpt-appeal.shtml
- Wanaque Code Ch. 120
- Recycling & Sanitation
- Collector's Office / Tax, Water & Sewer
- 11788209
- https://www.nj.gov/treasury/taxation/pdf/lpt/gtr/2025taxrates.pdf
- https://www.nj.gov/treasury/taxation/pdf/lpt/class4/2026AvgResStat.pdf
How Wanaque compares
A typical Wanaque house against the 41 New Jersey cities we cover, using the same default numbers as the total above.
| Per year | Wanaque | Median | Where it falls |
|---|---|---|---|
| Property tax rate | 4.54% | 2.66% | higher than 30 of the other 38 New Jersey cities we cover |
| Water | $465 | $771 | lower than 37 of the other 40 New Jersey cities we cover |
| Sewer and utility-bill fees | $978 | $600 | higher than 18 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 | $16,418 | $16,741 | lower than 23 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: Wanaque's property tax rate is 4.54%, higher than 30 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 Wanaque is 4.54%, higher than 30 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 $465 a year at typical use, lower than 37 of the other 40 New Jersey cities we cover.
Ask: "Water here costs about $465 a year at typical use, lower than 37 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 $978 a year, higher than 18 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 $978 a year, higher than 18 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?"
Common questions about Wanaque house costs
What is the property tax rate in Wanaque?
About 4.54% of the value before exemptions a year (2025 tax year, Wanaque Boro (Passaic County)), plus flat charges on the same bill.
How much is property tax on a $500,000 house in Wanaque?
About $22,705 a year on $500,000 of the value before exemptions.
How much is the water bill in Wanaque?
About $120 a month for water and sewer at typical use (7,000 gallons a month) on Wanaque Water Department.
How much does trash pickup cost in Wanaque?
$0 a month for a house.
Can seniors lower their property tax or bills in Wanaque?
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 Wanaque cost to run each year?
A typical Wanaque house costs about $16,400 a year: $10,420 property tax and charges, $1,440 water and sewer, $0 trash, $3,140 electricity and gas, $1,420 home insurance. Estimated from public rates, not anyone's actual bill.