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Chatham Twp vs Union Twp, NJ

Property taxes, schools, NJ Transit pass and monthly cost for Chatham Twp and Union Twp, side by side with sources.

At a glance

Union Twp has the lower 2025 average residential tax bill: $10,849 a year, $7,524 less than $18,373 in Chatham Twp. Both are above the NJ average of $10,340.

The median single-family sale price is $597,500 in Union Twp and $1,990,200 in Chatham Twp, $1,392,700 more (GSMLS, 2025 closed sales).

Peak commute is 46 minutes in Chatham Twp and 36 in Union Twp, 10 minutes shorter in Union Twp.

On the district results, Chatham Twp's district is higher on 4-year graduation (96.5% vs 95.1%), ELA (74.8% vs 47.9%) and math (68.5% vs 29.9%).

Figures are from the data file, version 2.3.0. Estimates are labeled. Add a third town in the compare tool.

Monthly cost

Estimated monthly cost Estimate

Mortgage (principal and interest)
Property tax
NJ Transit pass

Chatham TwpNo NJ Transit rail station in town; residents typically use Chatham station in Chatham Borough
Union Twp$4,643 / monthMortgage $3,258 · Property tax $1,130 · NJ Transit pass $255 · on a $597,500 median single-family home

Each town uses its own median single-family sale price (GSMLS, 2025 closed sales) and 2025 effective tax rate. Mortgage is the monthly mortgage in the data: Principal & interest only; excludes taxes and insurance. Calculated at a 7.24% 30-year fixed rate, 20% down, 30-year term. Excludes insurance, utilities, maintenance and HOA fees. Change the numbers in the calculator.

Sources: GSMLS (As of 2025) · Freddie Mac PMMS (Updated October 2026) · NJ Division of Taxation (Updated January 2026) · NJ Transit (Updated July 2026)

Home prices

Median sale price, single-family

Chatham Twp$1,990,20096 sales
Union Twp$597,500354 sales

Median sale price, condo / townhouse

Chatham Twp$465,00043 sales · fewer than 50 sales
Union Twp$380,00052 sales

Monthly mortgage

Chatham Twp$10,851 / month
Union Twp$3,258 / month

Principal & interest only; excludes taxes and insurance. Based on the single-family median.

Source: GSMLS, 2025 closed sales

Property taxes

Average residential tax bill, 2025

Chatham Twp$18,373 / year$8,033 above the NJ average
Union Twp$10,849 / year$509 above the NJ average
NJ average$10,340 / yearState total, same series as the town bills

Bills compare better than raw tax rates, because towns assess homes at different shares of market value.

Sources: NJ Division of Taxation (Updated February 2026)

Schools

Meeting ELA standards

Chatham Twp74.8% Above NJ average
Union Twp47.9% Below NJ average
NJ state53.0%

Meeting math standards

Chatham Twp68.5% Above NJ average
Union Twp29.9% Below NJ average
NJ state42.0%

4-year graduation rate

Chatham Twp96.5% Above NJ average
Union Twp95.1% Above NJ average
NJ state91.8%

Chronic absenteeism

Chatham Twp6.3% Below NJ average
Union Twp17.5% Above NJ average
NJ state14.4%

Student:teacher ratio

Chatham Twp11:1
Union Twp13:1
NJ state12:1

DistrictsChatham Twp: School District of the ChathamsUnion Twp: Township of Union School DistrictDistrict-wide results for all students. The NJ state line is the statewide figure.

Sources: NJDOE (2024-25 school year, published May 2026)

Commute

NJ Transit adult monthly pass to NY Penn

Chatham TwpNo NJ Transit rail station in town; residents typically use Chatham station in Chatham Borough
Union Twp$255 / month

Peak commute time

Chatham Twp46 min
Union Twp36 min

Sources: NJ Transit (Updated July 2026) · NJ Transit GTFS (via Mobility Database) (As of Scheduled service Wed 2026-11-18; rail feed service dates 2026-09-15 to 2027-03-13; downloaded 2026-11-01)

Full pages: Chatham Twp · Union Twp. Find a local expert if you want help weighing these two towns.