New Providence vs Union Twp, NJ
Property taxes, schools, NJ Transit pass and monthly cost for New Providence 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, $5,382 less than $16,231 in New Providence. Both are above the NJ average of $10,340.
The median single-family sale price is $597,500 in Union Twp and $948,500 in New Providence, $351,000 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), Union Twp comes to $4,643 a month and New Providence to $7,153, a gap of $2,510.
Peak commute is 48 minutes in New Providence and 36 in Union Twp, 12 minutes shorter in Union Twp; the NJ Transit monthly pass to NY Penn is $255 in Union Twp and $362 in New Providence, $107 more.
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
- New Providence$7,153 / monthMortgage $5,171 · Property tax $1,620 · NJ Transit pass $362 · on a $948,500 median single-family home
- 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.
Home prices
Median sale price, single-family
- New Providence$948,500100 sales
- Union Twp$597,500354 sales
Median sale price, condo / townhouse
- New Providence$799,00013 sales · fewer than 50 sales
- Union Twp$380,00052 sales
Monthly mortgage
- New Providence$5,171 / 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
- New Providence$16,231 / year$5,891 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.
Schools
Meeting ELA standards
- New Providence84.7% Above NJ average
- Union Twp47.9% Below NJ average
- NJ state53.0%
Meeting math standards
- New Providence79.4% Above NJ average
- Union Twp29.9% Below NJ average
- NJ state42.0%
4-year graduation rate
- New Providence96.4% Above NJ average
- Union Twp95.1% Above NJ average
- NJ state91.8%
Chronic absenteeism
- New Providence4.0% Below NJ average
- Union Twp17.5% Above NJ average
- NJ state14.4%
Student:teacher ratio
- New Providence10:1
- Union Twp13:1
- NJ state12:1
Commute
NJ Transit adult monthly pass to NY Penn
- New Providence$362 / month
- Union Twp$255 / month
Peak commute time
- New Providence48 min
- Union Twp36 min
Full pages: New Providence · Union Twp. Find a local expert if you want help weighing these two towns.