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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
    More info

    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
    More info

    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
    More info

    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
    More info

    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
    More info

    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.

Sources: GSMLS (As of 2025) · NJ Division of Taxation (Updated January 2026) · Freddie Mac PMMS (As of 2026-10-29) · NAIC Homeowners Report (Updated July 2026)

Home prices

Median sale price, single-family

Median sale price, condo / townhouse

Monthly mortgage

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
More info

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

Meeting math standards

4-year graduation rate

Chronic absenteeism

Student:teacher ratio

DistrictsNew Brunswick: New Brunswick School DistrictScotch Plains: Scotch Plains-Fanwood 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

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
    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.

Sources: NJ Transit (Updated July 2026) · NJ Transit GTFS (via Mobility Database) (Scheduled service Nov 18, 2026)

Full pages: New Brunswick · Scotch Plains. Find a local expert if you want help weighing these two towns.

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