New Brunswick vs Scotch Plains, NJ
Property taxes, schools, NJ Transit pass and monthly cost for New Brunswick and Scotch Plains, side by side with sources.
At a glance
- Lower tax billNew Brunswick, $7,101 a year
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New Brunswick has the lower 2025 average residential tax bill: $7,101 a year, $8,717 less than $15,818 in Scotch Plains. New Brunswick is below the NJ average of $10,340 and Scotch Plains is above it.
- Median sale priceNew Brunswick $420,000 vs Scotch Plains $960,000
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The median single-family sale price is $420,000 in New Brunswick and $960,000 in Scotch Plains, $540,000 more (GSMLS, 2025 closed sales).
- Monthly cost estimateNew Brunswick $3,628 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), New Brunswick comes to $3,628 a month and Scotch Plains to $7,073, a gap of $3,445.
- Peak commuteNew Brunswick 51 min vs Scotch Plains 48.4 min
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Peak commute is 51 minutes in New Brunswick and 48.4 minutes in Scotch Plains, 2.6 minutes shorter in Scotch Plains.
- Higher school resultsScotch Plains: 4-year graduation, ELA, math
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On the district results, Scotch Plains' district is higher on 4-year graduation (97.0% vs 79.5%), ELA (71.0% vs 27.5%) and math (63.0% vs 15.1%).
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
- New Brunswick$3,628 / monthMortgage $2,290 · Property tax $732 · Insurance $129 · NJ Transit pass $477 · on a $420,000 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
- New Brunswick$420,00011 sales
- Scotch Plains$960,000199 sales
Median sale price, condo / townhouse
- Scotch Plains$577,50020 sales
Monthly mortgage
- New Brunswick$2,290 / 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
- New Brunswick$7,101 / year$3,239 below 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
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Bills compare better than raw tax rates, because towns assess homes at different shares of market value.
Schools
Meeting ELA standards
- New Brunswick27.5% Below NJ average
- Scotch Plains71.0% Above NJ average
- NJ state53.0%
Meeting math standards
- New Brunswick15.1% Below NJ average
- Scotch Plains63.0% Above NJ average
- NJ state42.0%
4-year graduation rate
- New Brunswick79.5% Below NJ average
- Scotch Plains97.0% Above NJ average
- NJ state91.8%
Chronic absenteeism
- New Brunswick19.8% Above NJ average
- Scotch Plains7.5% Below NJ average
- NJ state14.4%
Student:teacher ratio
- New Brunswick11:1
- Scotch Plains12:1
- NJ state12:1
Commute
NJ Transit adult monthly pass to NY Penn
- New Brunswick$477 / 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
- New Brunswick51 min
More info
Typical from New Brunswick: 55.5 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 8 trips.
- Scotch Plains48.4 min
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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: New Brunswick · Scotch Plains. Find a local expert if you want help weighing these two towns.