New Brunswick, NJ
In New Brunswick, Middlesex County: the 2025 average residential tax bill is $7,101 a year, the NJ Transit monthly pass to New York Penn Station is $477 a month and median rent is $1,814 a month.
Monthly cost of owning in New Brunswick Estimate
Enter a price between $100,000 and $3,000,000.
Enter a home price to see your estimated monthly cost in New Brunswick.
Estimated$3,628/mo in New Brunswick
Estimate only, not a loan offer, rate quote, or financial advice. Actual taxes, insurance, PMI, and rates vary.
- Principal & interest$2,29063%
- Property tax$73220%
- Insurance (homeowners + flood)$1294%
- Commute (NJ Transit pass)$47713%
Property tax is based on 2025 certified rates; town average, your bill may differ after reassessment.
PMI not included; ask your lender.
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Sources and how it is calculated
Estimate based on 20% down, a 30-year fixed loan at 7.24%, homeowners insurance, and the NJ Transit pass to New York Penn Station. Flood insurance is a toggle in the calculator (illustrative). Not included: PMI, HOA, utilities and maintenance.
- Mortgage rate: Freddie Mac Primary Mortgage Market Survey (PMMS), 30-year fixed, national weekly average, week of Oct 29, 2026.
- Property tax: NJ Division of Taxation, 2025 effective tax rates by town, Updated January 2026.
- Default home price: GSMLS, 2025 closed sales, median sale price, 2025 (Jan 1-Dec 31) (pulled Nov 1, 2026).
- Commute: NJ Transit, adult monthly pass to NY Penn, NJ Transit fares effective July 1, 2026 (chart confirmed via https://www.njtransit.com/adjustedfares); read 2026-11-01.
- Homeowners insurance (NJ average premium): $1,551 a year, NAIC Homeowners Report, data year 2023 (report published July 2026).
- Condo insurance (NJ average premium): $521 a year, NAIC Homeowners Report, data year 2023 (report published July 2026).
- Flood insurance (illustrative, not a quote): $1,492 a year, FEMA OpenFEMA, policies effective 2025-01-01 to 2025-12-31; dataset asOfDate 2026-09-08; pulled 2026-11-01.
- Mortgage rate, 15-year fixed: Freddie Mac Primary Mortgage Market Survey (PMMS), national weekly average, week of Oct 29, 2026.
- PMI: not included; ask your lender.
Property taxes
- New Brunswick average bill
- NJ average
- Site estimate; not an official NJ figure
Up about 6% since 2015. The NJ average is up about 28%.
Full details & sources
2024 to 2025: +$208 (+3.0%), computed from the two published bills. The vertical axis starts at $5,000, not $0.
2015 to 2025: +$391 (+5.8%), computed from the first and last published bills.
Site estimate; not an official NJ figure 2026 projection: $7,188. 2026 projection = 2025 average residential bill x (1 + average annual % change 2020-2025).
How the projection is calculated
2026 projection = 2025 average residential bill x (1 + average annual % change 2020-2025). Average annual % change = arithmetic mean of the five year-over-year changes (2021/2020, 2022/2021, 2023/2022, 2024/2023, 2025/2024). Inputs (NJ Division of Taxation average residential tax bills): 2020 $6,691, 2021 $6,490, 2022 $6,519, 2023 $6,658, 2024 $6,893, 2025 $7,101. Year-over-year changes: 2021 -3.0040%, 2022 +0.4468%, 2023 +2.1322%, 2024 +3.5296%, 2025 +3.0176%. Average = 1.2244%. Projection = $7,101 x (1 + 0.012244) = $7,187.95, rounded to $7,188. Not a certified or published 2026 bill; NJ has not set a 2026 rate.
2026 average assessment: $265,178. This is an assessment, not a bill.
2025 Below NJ average: $7,101 vs. NJ average $10,340.
2024 Below NJ average: $6,893 vs. NJ average $9,898.
NJ average 2018: Published as printed. The 2018 statewide figure ($8,117) is lower than both 2017 ($8,413) and 2019 ($8,736); kept as published, not adjusted.
View as a data table
| Year | Average bill | NJ average | Status | Source and date |
|---|---|---|---|---|
| 2015 | $6,710 | $8,106 | Published | NJ Division of Taxation · Updated June 2016 NJ average: NJ Division of Taxation · Updated June 2016 |
| 2016 | $6,871 | $8,288 | Published | NJ Division of Taxation · Updated June 2017 NJ average: NJ Division of Taxation · Updated June 2017 |
| 2017 | $6,166 | $8,413 | Published | NJ Division of Taxation · Updated June 2018 NJ average: NJ Division of Taxation · Updated June 2018 |
| 2018 | $6,384 | $8,117 | Published | NJ Division of Taxation · Updated February 2021 NJ average: NJ Division of Taxation · Updated February 2021 |
| 2019 | $6,573 | $8,736 | Published | NJ Division of Taxation · Updated June 2021 NJ average: NJ Division of Taxation · Updated June 2021 |
| 2020 | $6,691 | $8,915 | Published | NJ Division of Taxation · Updated May 2022 NJ average: NJ Division of Taxation · Updated May 2022 |
| 2021 | $6,490 | $9,076 | Published | NJ Division of Taxation · Updated December 2023 NJ average: NJ Division of Taxation · Updated December 2023 |
| 2022 | $6,519 | $9,274 | Published | NJ Division of Taxation · Updated September 2025 NJ average: NJ Division of Taxation · Updated September 2025 |
| 2023 | $6,658 | $9,569 | Published | NJ Division of Taxation · Updated December 2025 NJ average: NJ Division of Taxation · Updated December 2025 |
| 2024 | $6,893 | $9,898 | Published | NJ Division of Taxation · Updated September 2025 NJ average: NJ Division of Taxation · Updated September 2025 |
| 2025 | $7,101 | $10,340 | Published | NJ Division of Taxation · Updated February 2026 NJ average: NJ Division of Taxation · Updated February 2026 |
| 2026 Estimate | $7,188 | – | Estimate (Site estimate; not an official NJ figure) | Site estimate; not an official NJ figure · Updated October 2026 |
Rates and bills
Where the tax rate goes
- County
- School
- Municipal
2025 share of the rate: county 16.4%, school 39.5%, municipal 44.0%.
2024 share of the rate: county 16.6%, school 39.4%, municipal 43.9%.
What changed from 2024 to 2025
Change per $100 assessed, 2024 to 2025. Computed from the two published rate splits; orange is an increase, green a decrease.
Due dates
- InstallmentsFeb 1 · May 1 · Aug 1 · Nov 1
- Next dueFeb 1, 2027
More info
Grace period: The FAQ lists the four quarterly due dates (Feb 1, May 1, Aug 1, Nov 1) but states no grace period..
Last day without interest: not stated on the town page.
After the grace period, interest is retroactive to the original due date (statutory cap 8% on first $1,500 of delinquency, 18% above).
Appeal your assessment
Deadline. Appeals to the county board of taxation must be received on or before April 1, or 45 days after the bulk mailing of the assessment notices is completed in the town, whichever is later. In a town that implemented a municipal-wide revaluation or reassessment, the deadline is May 1. A deadline on a weekend or legal holiday moves to the next business day.
Next regular deadline: Apr 1, 2027. Properties assessed over $1,000,000 may file directly with the NJ Tax Court by the same deadline.
File with the Middlesex County Board of Taxation. Website · County Administration Building, 4th Floor, 75 Bayard Street, New Brunswick, NJ 08901 · 732-745-3350 · Office hours: Monday-Friday 8:30 AM-4:15 PM
Paper: Original Form A-1 filed with the board at 75 Bayard Street, 4th Floor. Deadline time: Must be received, not just postmarked; filings after close of business on the deadline are untimely (A-1 instructions). The board does not publish a separate cutoff time; office hours end 4:15 PM. Payment: Check payable to County Tax Administrator (per state A-1 instructions). Form: Petition of Appeal Form A-1 (linked on the board's Tax Appeal page). Filer must serve copies on the town assessor and clerk (A-1 instructions).
Filing fee by assessed value: under $150,000: $5; $150,000 to under $500,000: $25; $500,000 to under $1,000,000: $100; $1,000,000 or more: $150; classification appeal: $25. Payable to the County Tax Administrator; not refundable. Statewide fee schedule on Form A-1 (NJ Division of Taxation form dated 6-26). The Middlesex board's pages link the A-1 form; its 2026 Tax Appeal Guidelines PDF could not be opened, so no county-specific fee was verified.
The board will not hold virtual tax appeal hearings (board resolution, per its Tax Appeal page). Added/omitted assessment appeals for 2026 are due Dec 1, 2026. Prerequisite: taxes paid through Q1 (N.J.S.A. 54:3-27, A-1 instructions).
Schools
New Brunswick School District · district vs. New Jersey
Better than NJ average Worse Neutral (student:teacher) NJ average
Below the NJ average on all 3 results.
Full details & sources
New Brunswick School District · district results vs. state
“Above” and “Below NJ average” compare the district with the state average. Higher is not always better (for example, chronic absenteeism). State average:
Commute
More info
New Brunswick station, fare zone 14. Published one-way adult fare $17.00. New Brunswick station is on the Northeast Corridor Line (zone 14).
More info
Fastest scheduled weekday trip to New York Penn Station arriving 7:00-9:00 AM from New Brunswick, per NJ Transit schedule data for Wed Nov 18, 2026. The typical trip from that station in that window (median of 8 scheduled trips) takes 55.5 min; the fastest takes 51 min.
Fastest scheduled trip arriving 7:00 to 9:00 AM on 2026-11-18: New Brunswick, departs 6:46 AM, arrives 7:37 AM, one seat, no transfer.
Data as of: Scheduled service Wed 2026-11-18; rail feed service dates 2026-09-15 to 2027-03-13; downloaded 2026-11-01
Commute times by station
| Boarding point | To | Fastest, arriving 7:00 to 9:00 AM | Typical (median), arriving 7:00 to 9:00 AM | Earliest train, arriving by 9:00 AM | Transfers |
|---|---|---|---|---|---|
| New Brunswick | New York Penn | 51 min | 55.5 min (8 trips) | 51 min | one seat, no transfer |
| New Brunswick | Hoboken Terminal | 61 min | 63 min (9 trips) | 59 min | 1 transfer at Secaucus Junction (upper level) |
| New Brunswick | Newark Penn | 33 min | 35 min (8 trips) | 32 min | one seat, no transfer |
Full details & sources
NJ town data in your inbox
Rent and housing
More info
Principal & interest only; excludes taxes and insurance
More info
Based on 11 closed single-family sales in 2025 (fewer than 50 sales).
Source: GSMLS
Median rent ranks 34 of 38 towns, highest first.
Full details & sources
View as a data table
| Town | Median rent | Source and date |
|---|---|---|
| Livingston | $2,949 | U.S. Census ACS · Updated January 2026 |
| Hoboken | $2,938 | U.S. Census ACS · Updated January 2026 |
| Chatham Twp | $2,769 | U.S. Census ACS · Updated January 2026 |
| Princeton | $2,636 | U.S. Census ACS · Updated January 2026 |
| Bernards Twp (Basking Ridge) | $2,476 | U.S. Census ACS · Updated January 2026 |
| Fanwood | $2,446 | U.S. Census ACS · Updated January 2026 |
| Morris Twp | $2,437 | U.S. Census ACS · Updated January 2026 |
| Summit | $2,430 | U.S. Census ACS · Updated January 2026 |
| Montville | $2,372 | U.S. Census ACS · Updated January 2026 |
| Westfield | $2,357 | U.S. Census ACS · Updated January 2026 |
| South Orange (Village) | $2,296 | U.S. Census ACS · Updated January 2026 |
| Morristown | $2,274 | U.S. Census ACS · Updated January 2026 |
| Maplewood | $2,269 | U.S. Census ACS · Updated January 2026 |
| Millburn (Short Hills) | $2,262 | U.S. Census ACS · Updated January 2026 |
| Madison | $2,253 | U.S. Census ACS · Updated January 2026 |
| Chatham Boro | $2,250 | U.S. Census ACS · Updated January 2026 |
| Berkeley Heights | $2,203 | U.S. Census ACS · Updated January 2026 |
| Cranford | $2,199 | U.S. Census ACS · Updated January 2026 |
| Bridgewater | $2,176 | U.S. Census ACS · Updated January 2026 |
| Metuchen | $2,078 | U.S. Census ACS · Updated January 2026 |
| Union Twp | $2,064 | U.S. Census ACS · Updated January 2026 |
| Montclair | $2,063 | U.S. Census ACS · Updated January 2026 |
| Scotch Plains | $2,060 | U.S. Census ACS · Updated January 2026 |
| Red Bank | $2,026 | U.S. Census ACS · Updated January 2026 |
| Jersey City | $2,007 | U.S. Census ACS · Updated January 2026 |
| Edison | $1,974 | U.S. Census ACS · Updated January 2026 |
| Woodbridge | $1,959 | U.S. Census ACS · Updated January 2026 |
| Fair Lawn | $1,917 | U.S. Census ACS · Updated January 2026 |
| New Providence | $1,903 | U.S. Census ACS · Updated January 2026 |
| Cherry Hill | $1,882 | U.S. Census ACS · Updated January 2026 |
| Rahway | $1,845 | U.S. Census ACS · Updated January 2026 |
| Bloomfield | $1,824 | U.S. Census ACS · Updated January 2026 |
| Denville | $1,817 | U.S. Census ACS · Updated January 2026 |
| New Brunswick | $1,814 | U.S. Census ACS · Updated January 2026 |
| Plainfield | $1,767 | U.S. Census ACS · Updated January 2026 |
| Linden | $1,731 | U.S. Census ACS · Updated January 2026 |
| Elizabeth | $1,523 | U.S. Census ACS · Updated January 2026 |
| Newark | $1,392 | U.S. Census ACS · Updated January 2026 |
Other towns: Rahway · Cranford · Westfield · Metuchen · Linden · Millburn (Short Hills) · Summit · Montclair · Edison · Union Twp · Elizabeth · Chatham Boro · Chatham Twp · Woodbridge · Hoboken · Bloomfield · Madison · Maplewood · Denville · Plainfield · Morristown · South Orange (Village) · Bernards Twp (Basking Ridge) · Livingston · New Providence · Montville · Berkeley Heights · Bridgewater · Fanwood · Scotch Plains · Morris Twp · Jersey City · Newark · Fair Lawn · Princeton · Cherry Hill · Red Bank · All towns and map
Compare with: Rahway · Cranford · Westfield · Metuchen · Linden · Millburn (Short Hills) · Summit · Montclair · Edison · Union Twp · Elizabeth · Chatham Boro · Chatham Twp · Woodbridge · Hoboken · Bloomfield · Madison · Maplewood · Denville · Plainfield · Morristown · South Orange (Village) · Bernards Twp (Basking Ridge) · Livingston · New Providence · Montville · Berkeley Heights · Bridgewater · Fanwood · Scotch Plains · Morris Twp · Jersey City · Newark · Fair Lawn · Princeton · Cherry Hill · Red Bank · Compare up to 3 towns