
Cranford, NJ
In Cranford, Union County: the 2025 average residential tax bill is $13,729 a year, the NJ Transit monthly pass to New York Penn Station is $309 a month and median rent is $2,199 a month.
Monthly cost Estimate
- Mortgage $4,539
- Property tax $1,461
- NJ Transit pass $309
The mortgage is about 72% of the monthly total for a median $832,500 single-family home.
Full details & sources
- Home price: $832,500, median single-family sale price, GSMLS, 2025 closed sales.
- Mortgage: $4,539 a month, as given in the data. Principal & interest only; excludes taxes and insurance. 7.24% 30-year fixed rate (Freddie Mac Primary Mortgage Market Survey (PMMS), Updated October 2026), 20% down, 30-year term.
- Property tax: price × 2025 effective tax rate of 2.106% of market value, divided by 12.
- NJ Transit adult monthly pass to NY Penn: $309.
Excludes homeowner insurance, utilities, maintenance and HOA fees.
View as a data table
| Part | Per month | How it is worked out |
|---|---|---|
| Mortgage (principal and interest) | $4,539 | From the data: Principal & interest only; excludes taxes and insurance; 7.24% rate, 20% down, 30-year term |
| Property tax | $1,461 | $832,500 median single-family price × 2.106% effective rate ÷ 12 |
| NJ Transit pass to NY Penn | $309 | Adult monthly pass |
| Estimated total Estimate | $6,309 | Excludes insurance, utilities, maintenance |
Property taxes
- Cranford average bill
- NJ average
- Site estimate; not an official NJ figure
Up about 30% since 2015. The NJ average is up about 28%.
Full details & sources
2024 to 2025: +$954 (+7.5%), computed from the two published bills. The vertical axis starts at $7,000, not $0.
2015 to 2025: +$3,205 (+30.5%), computed from the first and last published bills.
Site estimate; not an official NJ figure 2026 projection: $14,087. 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 $12,090, 2021 $12,157, 2022 $12,287, 2023 $12,478, 2024 $12,775, 2025 $13,729. Year-over-year changes: 2021 +0.5542%, 2022 +1.0693%, 2023 +1.5545%, 2024 +2.3802%, 2025 +7.4677%. Average = 2.6052%. Projection = $13,729 x (1 + 0.026052) = $14,086.67, rounded to $14,087. Not a certified or published 2026 bill; NJ has not set a 2026 rate.
2026 average assessment: $190,660. This is an assessment, not a bill.
2025 Above NJ average: $13,729 vs. NJ average $10,340.
2024 Above NJ average: $12,775 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 | $10,524 | $8,106 | Published | NJ Division of Taxation · Updated June 2016 NJ average: NJ Division of Taxation · Updated June 2016 |
| 2016 | $10,845 | $8,288 | Published | NJ Division of Taxation · Updated June 2017 NJ average: NJ Division of Taxation · Updated June 2017 |
| 2017 | $11,293 | $8,413 | Published | NJ Division of Taxation · Updated June 2018 NJ average: NJ Division of Taxation · Updated June 2018 |
| 2018 | $11,735 | $8,117 | Published | NJ Division of Taxation · Updated February 2021 NJ average: NJ Division of Taxation · Updated February 2021 |
| 2019 | $11,995 | $8,736 | Published | NJ Division of Taxation · Updated June 2021 NJ average: NJ Division of Taxation · Updated June 2021 |
| 2020 | $12,090 | $8,915 | Published | NJ Division of Taxation · Updated May 2022 NJ average: NJ Division of Taxation · Updated May 2022 |
| 2021 | $12,157 | $9,076 | Published | NJ Division of Taxation · Updated December 2023 NJ average: NJ Division of Taxation · Updated December 2023 |
| 2022 | $12,287 | $9,274 | Published | NJ Division of Taxation · Updated September 2025 NJ average: NJ Division of Taxation · Updated September 2025 |
| 2023 | $12,478 | $9,569 | Published | NJ Division of Taxation · Updated December 2025 NJ average: NJ Division of Taxation · Updated December 2025 |
| 2024 | $12,775 | $9,898 | Published | NJ Division of Taxation · Updated September 2025 NJ average: NJ Division of Taxation · Updated September 2025 |
| 2025 | $13,729 | $10,340 | Published | NJ Division of Taxation · Updated February 2026 NJ average: NJ Division of Taxation · Updated February 2026 |
| 2026 Estimate | $14,087 | – | 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 17.1%, school 57.7%, municipal 25.2%.
2024 share of the rate: county 18.0%, school 57.2%, municipal 24.8%.
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
Quarterly: Feb 1, May 1, Aug 1, Nov 1. Grace period: 10 days. Next due Feb 1, 2027; last day without interest: 2027-02-10 (Feb 10, 2027 is a Wednesday). 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 Union County Board of Taxation. Website · 300 North Avenue East, Westfield, NJ 07090 · (908) 527-4775
Online: deadline 11:59:59 PM on the deadline date. Convenience fee $5, $5.00 in addition to the filing fee. 2027 window opens Feb 17, 2027 (start date subject to change, per county filing schedule).
Paper: Deadline time: Must be physically in the board office by close of business (4 PM) on the deadline date; postmarks are not accepted. Payment: Exact-change cash, check or money order payable to the Union County Tax Administrator. Form: Petition of Appeal Form A-1. Filer must serve copies on the town assessor and town clerk (online filing serves them automatically).
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. Fee by assessed value. Properties assessed over $1,000,000 may file directly with the NJ Tax Court.
Taxes and municipal charges must be paid through Q1 of the current year or the appeal can be dismissed (N.J.S.A. 54:3-27).
Schools
Cranford Public School District · district vs. New Jersey
Better than NJ average Worse Neutral (student:teacher) NJ average
Above the NJ average on all 3 results.
Full details & sources
Cranford Public 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
43 min on a 0 to 120 minute scale
Fastest scheduled trip arriving 7:00 to 9:00 AM on 2026-11-18: Cranford, departs 7:14 AM, arrives 7:57 AM, 1 transfer at Newark Penn Station.
Commute times by station
| Boarding point | To | Arriving 7:00 to 9:00 AM | Earliest train, arriving by 9:00 AM | Transfers |
|---|---|---|---|---|
| Cranford | New York Penn | 43 min | 43 min | 1 transfer at Newark Penn Station |
| Cranford | Hoboken Terminal | 51 min | 51 min | 2 transfers at Newark Penn Station, Secaucus Junction (upper level) |
| Cranford | Newark Penn | 18 min | 18 min | one seat, no transfer |
Peak commute: 43 minutes.
Full details & sources
NJ town data in your inbox
Rent and housing
Source: GSMLS, 2025 closed sales
Median rent ranks 16 of 30 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 |
| Chatham Twp | $2,769 | 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 |
| Edison | $1,974 | U.S. Census ACS · Updated January 2026 |
| Woodbridge | $1,959 | U.S. Census ACS · Updated January 2026 |
| New Providence | $1,903 | 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 |
| 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 |
Other towns: Rahway · Westfield · Metuchen · Linden · Millburn (Short Hills) · Summit · Montclair · Edison · Union Twp · Elizabeth · Chatham Boro · Chatham Twp · Woodbridge · 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 · All towns and map
Compare with: Rahway · Westfield · Metuchen · Linden · Millburn (Short Hills) · Summit · Montclair · Edison · Union Twp · Elizabeth · Chatham Boro · Chatham Twp · Woodbridge · 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 · Compare up to 3 towns