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Madison vs Montville, NJ

Property taxes, schools, NJ Transit pass and monthly cost for Madison and Montville, side by side with sources.

At a glance

Montville has the lower 2025 average residential tax bill: $14,423 a year, $1,474 less than $15,897 in Madison. Both are above the NJ average of $10,340.

The median single-family sale price is $905,000 in Montville and $1,421,000 in Madison, $516,000 more (GSMLS, 2025 closed sales).

On the site's monthly cost estimate (mortgage, property tax and NJ Transit pass, each on the town's median single-family sale price), Montville comes to $6,795 a month and Madison to $9,973, a gap of $3,178.

Peak commute is 51 minutes in Madison and 84 in Montville, 33 minutes shorter in Madison; the NJ Transit monthly pass to NY Penn costs $408 in both.

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

Madison$9,973 / monthMortgage $7,747 · Property tax $1,818 · NJ Transit pass $408 · on a $1,421,000 median single-family home
Montville$6,795 / monthMortgage $4,934 · Property tax $1,453 · NJ Transit pass $408 · on a $905,000 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

Madison$1,421,000105 sales
Montville$905,000152 sales

Median sale price, condo / townhouse

Madison$810,00023 sales · fewer than 50 sales
Montville$700,50046 sales · fewer than 50 sales

Monthly mortgage

Madison$7,747 / month
Montville$4,934 / 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

Madison$15,897 / year$5,557 above the NJ average
Montville$14,423 / year$4,083 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

Madison78.8% Above NJ average
Montville79.4% Above NJ average
NJ state53.0%

Meeting math standards

Madison70.0% Above NJ average
Montville73.3% Above NJ average
NJ state42.0%

4-year graduation rate

Madison97.9% Above NJ average
Montville97.9% Above NJ average
NJ state91.8%

Chronic absenteeism

Madison9.2% Below NJ average
Montville5.8% Below NJ average
NJ state14.4%

Student:teacher ratio

Madison11:1
Montville10:1
NJ state12:1

DistrictsMadison: Madison Public School DistrictMontville: Montville Township 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

Madison$408 / month
Montville$408 / month

Peak commute time

Madison51 min
Montville84 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: Madison · Montville. Find a local expert if you want help weighing these two towns.