Fair Lawn vs Scotch Plains, NJ
Property taxes, schools, NJ Transit pass and monthly cost for Fair Lawn and Scotch Plains, side by side with sources.
At a glance
- Lower tax billFair Lawn, $12,418 a year
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Fair Lawn has the lower 2025 average residential tax bill: $12,418 a year, $3,400 less than $15,818 in Scotch Plains. Both are above the NJ average of $10,340.
- Median sale priceFair Lawn $690,000 vs Scotch Plains $960,000
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The median single-family sale price is $690,000 in Fair Lawn and $960,000 in Scotch Plains, $270,000 more (GSMLS, 2025 closed sales).
- Monthly cost estimateFair Lawn $5,433 vs Scotch Plains $7,073
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On the site's monthly cost estimate (mortgage, property tax, insurance and NJ Transit pass, each on the town's headline median sale price, the same math as the calculator), Fair Lawn comes to $5,433 a month and Scotch Plains to $7,073, a gap of $1,640.
- Peak commuteFair Lawn 39 min vs Scotch Plains 48.4 min
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Peak commute is 39 minutes in Fair Lawn and 48.4 minutes in Scotch Plains, 9.4 minutes shorter in Fair Lawn.
- Higher school resultsFair Lawn: 4-year graduation, ELA, math
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On the district results, Fair Lawn's district is higher on 4-year graduation (97.2% vs 97.0%), ELA (76.6% vs 71.0%) and math (69.6% vs 63.0%).
Figures are from the data file, version 2.5.3. Estimates are labeled. Sources and dates are in each section below. Add a third town in the compare tool.
Monthly cost
Estimated monthly cost Estimate
- Mortgage (principal and interest)
- Property tax
- Insurance
- NJ Transit pass
- Fair Lawn$5,433 / monthMortgage $3,762 · Property tax $1,266 · Insurance $129 · NJ Transit pass $276 · on a $690,000 median single-family home
- Scotch Plains$7,073 / monthMortgage $5,234 · Property tax $1,710 · Insurance $129 · no commute · on a $960,000 median single-family home
More info
Same math as the monthly cost calculator, at its defaults: each town's headline median sale price, single-family unless the town's label says otherwise (GSMLS, 2025 closed sales), 20% down, a 30-year fixed loan at 7.24% (Freddie Mac weekly national average, week of Oct 29, 2026), the town's 2025 effective tax rate, homeowners insurance (condo insurance for condo towns), and the town's NJ Transit pass where it has one. Excludes flood insurance, PMI, HOA, utilities and maintenance. Change the numbers in the calculator.
Home prices
Median sale price, single-family
- Fair Lawn$690,00073 sales
- Scotch Plains$960,000199 sales
Median sale price, condo / townhouse
- Scotch Plains$577,50020 sales
Monthly mortgage
- Fair Lawn$3,762 / month
- Scotch Plains$5,234 / month
More info
Principal & interest only; excludes taxes and insurance. Based on the single-family median unless a town's row says otherwise.
Source: GSMLS
Property taxes
Average residential tax bill, 2025
- Fair Lawn$12,418 / year$2,078 above the NJ average
- Scotch Plains$15,818 / year$5,478 above the NJ average
- NJ average$10,340 / yearState total, same series as the town bills
More info
Bills compare better than raw tax rates, because towns assess homes at different shares of market value.
Schools
Meeting ELA standards
- Fair Lawn76.6% Above NJ average
- Scotch Plains71.0% Above NJ average
- NJ state53.0%
Meeting math standards
- Fair Lawn69.6% Above NJ average
- Scotch Plains63.0% Above NJ average
- NJ state42.0%
4-year graduation rate
- Fair Lawn97.2% Above NJ average
- Scotch Plains97.0% Above NJ average
- NJ state91.8%
Chronic absenteeism
- Fair Lawn6.6% Below NJ average
- Scotch Plains7.5% Below NJ average
- NJ state14.4%
Student:teacher ratio
- Fair Lawn11:1
- Scotch Plains12:1
- NJ state12:1
Commute
NJ Transit adult monthly pass to NY Penn
- Fair Lawn$276 / month
More info
Not shown for Scotch Plains: No NJ Transit rail station in town; residents typically use Fanwood station in Fanwood Borough
Peak commute time
- Fair Lawn39 min
More info
Typical from Radburn: 48 min, median trip time of the scheduled trips arriving 7:00-9:00 AM on Wed 2026-11-18 (one itinerary per departure; dominated options excluded). Based on 6 trips.
- Scotch Plains48.4 min
More info
Typical: 48.4 min, median trip time of the scheduled trips on the same bus route from the same stop arriving at PABT 7:00-9:00 AM on Wed 2026-11-18. Based on 4 trips.
Full pages: Fair Lawn · Scotch Plains. Find a local expert if you want help weighing these two towns.