How much do homeowners pay a month in Scotch Plains Township, NJ?

Name: Homeowner costs in Scotch Plains Township, NJ, 2020–2024
Creator: US Census Bureau
License: https://www.census.gov/data/developers/about/terms-of-service.html

Homeowners with a mortgage in Scotch Plains Township, NJ pay a median of $3,791 (±$193) a month in selected owner costs (2020–2024 American Community Survey).

Owners without a mortgage pay $1,500 or more.

67.7% of owned homes carry a mortgage.

In Scotch Plains Township, the median monthly cost with a mortgage went from $3,233 in 2015–2019 to $3,791 in 2020–2024 (+17.3%).

Prices (CPI-U) rose 22.7% over the same years; the change is not measurably different from the rise in prices.

Figures last updated on November 12, 2026.

With a mortgage: $3,791 (±$193)
Without a mortgage: $1,500 or more
Owned with a mortgage: 67.7%

Monthly owner costs in Scotch Plains Township

Median selected monthly owner costs, estimate (90% margin of error)
	Scotch Plains Township	Union County	New Jersey	United States
With a mortgage	$3,791 (±$193)	$3,203 (±$36)	$2,829 (±$8)	$1,963
Without a mortgage	$1,500 or more	$1,438 (±$24)	$1,232 (±$6)	$638
Owned homes with a mortgage	67.7% (±4.3 points)	67.4% (±1.0 points)	63.9% (±0.2 points)	60.6%
Median real estate taxes (a year)	$10,000 or more	$10,000 or more	$9,590 (±$25)	$3,119

Selected monthly owner costs are the mortgage payment, property taxes, insurance, utilities, fuels and any condominium or mobile-home fees.

In Scotch Plains Township, the median cost with a mortgage is higher than in Union County ($3,203).

It is also higher than in New Jersey ($2,829).

It is higher than the national figure ($1,963).

In Union County, Scotch Plains Township ranks 5 of 21 places with a published estimate, from highest to lowest median monthly cost with a mortgage.

Statewide, it ranks 85 of 560.

Rankings use the estimates alone; where margins of error overlap, neighboring ranks may not truly differ.

How owner costs in Scotch Plains Township have changed since 2015–2019

2015–2019 and 2020–2024 American Community Survey 5-year estimates
	2015–2019	2020–2024	Amount of change	Verdict
Median owner cost with a mortgage	$3,233 (±$96)	$3,791 (±$193)	+17.3%	No measurable change after inflation
Median home value	$497,900 (±$20,061)	$718,200 (±$32,037)	+44.2%	Up after inflation

The Census Bureau publishes 2015–2019 dollars in 2019 dollars and 2020–2024 dollars in 2024 dollars.

Prices (the CPI-U, US Bureau of Labor Statistics) rose 22.7% between 2019 and 2024, so a dollar figure’s verdict compares the two after raising the earlier one by that much, using the Census Bureau’s test for a difference.

The two periods do not overlap, as the Census Bureau recommends for 5-year estimates.

Median monthly cost with a mortgage in places near Scotch Plains Township

Nearest places with a published estimate, compared with Scotch Plains Township
Place	Distance	Median monthly cost with a mortgage	Compared with this place
Scotch Plains Township	—	$3,791 (±$193)	—
Fanwood Borough	0.9 mi	$3,708 (±$279)	Not measurably different
Westfield Town	2.0 mi	$4,000 or more	—
Plainfield	2.6 mi	$2,689 (±$84)	Lower
Garwood Borough	2.9 mi	$3,112 (±$345)	Lower
Clark Township	3.1 mi	$2,997 (±$360)	Lower
Mountainside Borough	3.4 mi	$3,717 (±$201)	Not measurably different
Watchung Borough	3.4 mi	$4,000 or more	—
North Plainfield Borough	3.6 mi	$2,749 (±$104)	Lower

Nearby places with a measurably lower figure: Plainfield, NJ ($2,689), Garwood Borough, NJ ($3,112), Clark Township, NJ ($2,997).

Distance is measured in a straight line between the Census Bureau’s internal points for each place.

Median monthly cost with a mortgage across Union County, place by place

Rank	Place	Median monthly cost with a mortgage
1 (tie)	Summit	$4,000 or more
1 (tie)	Westfield Town	$4,000 or more
3	New Providence Borough	$3,965 (±$243)
4	Berkeley Heights Township	$3,871 (±$261)
5	Scotch Plains Township	$3,791 (±$193)
6	Mountainside Borough	$3,717 (±$201)
7	Fanwood Borough	$3,708 (±$279)
8	Cranford Township	$3,691 (±$88)
9	Springfield Township (Union County)	$3,596 (±$146)
10	Garwood Borough	$3,112 (±$345)
11	Union Township (Union County)	$3,015 (±$81)

Showing 11 of 21 places in Union County, ranked from highest to lowest.

Survey years: 2020–2024 (American Community Survey 5-year estimates), compared with 2015–2019.

Margins of error are at the 90% confidence level.

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Questions about Scotch Plains Township

What is the average mortgage payment in Scotch Plains Township?

The Census Bureau publishes total owner costs rather than the mortgage alone: the median for owners with a mortgage in Scotch Plains Township, NJ is $3,791 (±$193) a month, including taxes, insurance and utilities.

How much does it cost to own a paid-off home in Scotch Plains Township?

Owners without a mortgage in Scotch Plains Township pay a median of $1,500 or more a month in taxes, insurance, utilities and fees.

Has the cost of owning a home in Scotch Plains Township gone up?

In Scotch Plains Township, the median monthly cost with a mortgage went from $3,233 in 2015–2019 to $3,791 in 2020–2024 (+17.3%).

Prices (CPI-U) rose 22.7% over the same years; the change is not measurably different from the rise in prices.

Sources

To check these figures in the Census Bureau’s own API, request the variables below from the 2024 ACS 5-year data profile (acs/acs5/profile) and detailed tables (acs/acs5) for Scotch Plains township, Union County, New Jersey (county subdivision:66060, in state:34 county:039).

Each estimate (E or PE) has a margin of error beside it (M or PM).

The 2015–2019 figures are B25088_002E, B25088_002M, B25103_001E, B25103_001M, B25077_001E, B25077_001M from the 2019 release.

The API needs a free key.

Request a Census API key.

DP04_0101E, DP04_0101M, DP04_0109E, DP04_0109M, DP04_0091PE, DP04_0091PM, B25103_001E, B25103_001M

This product uses the Census Bureau Data API but is not endorsed or certified by the Census Bureau.

Figures are published by the US Census Bureau, HUD, the Bureau of Labor Statistics and the FBI; Seayora reproduces them and does not adjust them, except where a sentence says it compares dollar figures after inflation. They describe the whole place, not any one building or street, and are not an appraisal, a rent determination, a tax bill, a safety rating or legal advice.