Water heater match · Union, Essex, Morris

Water heater replacement in New Jersey: the cost by type, the permit, PSE&G's options, and a plumber match

One page for a water heater that is leaking, out of hot water, or simply old. Published installed prices for each type with the source and date, the New Jersey rule that makes a replacement permitted work, what PSE&G, Elizabethtown Gas, New Jersey Natural Gas, and JCP&L pay back, and a match request reviewed for Union, Essex, and Morris counties. LA Trusted Partners does not sell, install, or dispatch.

The short answer

Cost, permit, who can install it, and what PSE&G offers

What it costs

A like-for-like tank replacement runs $882 to $1,826 nationally, $1,347 on average (Angi, July 20, 2026). HomeBlue's Newark page (January 13, 2022) lists $1,600 to $2,100 for a 40-gallon gas tank and $1,800 to $2,700 for a 50-gallon one; ExpectedCosts lists $800 to $1,500 for a 40 to 50 gallon tank in Elizabeth. Tankless: $1,400 to $3,900 (Angi) or up to $5,600 (HomeGuide). Heat pump: $2,000 to $4,600 installed (HomeGuide).

Whether you need a permit

Yes. N.J.A.C. 5:23-2.17A lists replacing an existing water heater with a new one of like capacity as minor work. The local construction office is notified before work begins, the permit application is filed within five business days, and the job is inspected.

Who may do the work

A licensed New Jersey master plumber, whose seal and signature go on the plumbing permit application. The code's one exception is a single-family homeowner working on his or her own dwelling (N.J.A.C. 5:23-2.15(b)2).

What PSE&G offers

WorryFree sells and installs water heaters with up to 72 months on the bill, subject to credit approval. Its $4.55-a-month plan does not cover a leaking tank. PSE&G's rebates run $150 to $750 and only on power-vented, tankless, indirect, or heat pump models.

Every figure on this page is a published range read from the named source on October 1, 2026. None of them is an LA Trusted Partners price, and no matched plumber is bound by any of them.

Before anything else

Leaking tank, dripping relief valve, or just no hot water

Water is coming out of the tank

A. O. Smith's leak guide gives the order: turn the heater off first, at the breaker for an electric unit or at the gas shut-off valve for a gas unit if you are confident doing so, then close the shut-off valve on the cold water line leading to the heater. Angi's replacement guide adds the same caution: shut off water, power, or gas only if you are comfortable doing so safely. A. O. Smith says a leak at the base of a tank is usually more practical to replace than repair, Lowe's lists a leaking heater among its replace signs, and PSE&G's WorryFree plan terms list water heater tank failure or leakage as not covered (page 14).

The relief valve is dripping or blasting

A.O. Smith's Technical Bulletin 52 calls the temperature and pressure relief valve a safety device that limits temperature and pressure in the tank. Slow weeping means the valve is relieving pressure, which the bulletin ties to thermal expansion in a closed system. A large, sporadic discharge of very hot water means it is relieving temperature, and the bulletin gives one cause: a malfunctioning thermostat. A seep where the valve meets the tank is the one it calls not repairable: that fitting is welded to the tank, and the heater should be replaced.

No hot water, no leak

Price the repair before the replacement. The parts PSE&G's water heater plan covers are controls, not the tank: thermocouples, gas controls, igniters, heating elements, thermostats. HomeGuide puts a tank water heater repair at $150 to $700, and its rule of thumb is to consider replacement once the heater is over 10 years old or the repair costs more than half of a new one.

A gas smell or a carbon monoxide alarm comes before the water heater

Leave the building, then call your gas utility’s emergency line from outside: PSE&G 1-800-880-7734 or 911, Elizabethtown Gas 1-800-492-4009 or 1-844-571-LEAK, New Jersey Natural Gas 800-GAS-LEAK (800-427-5325). PSE&G says it provides gas leak investigations to its gas customers free of charge, and tells customers with a gas odor, a gas appliance that will not shut off, or a carbon monoxide concern to contact their gas utility. The CDC lists headache, dizziness, weakness, upset stomach, vomiting, chest pain, and confusion as the common symptoms of carbon monoxide poisoning, and says to have the water heater and other gas appliances serviced by a qualified technician every year and to make sure they are vented properly.

If water is on the floor and still coming, the emergency plumber page has the shut-off sequence and the after-hours price ranges.

Repair or replace

How long a water heater lasts, according to four published sources

The published service-life figures do not agree, so here are all four, each linked to its source.

Signals that point to replacement

  • Age plus a repair bill. HomeGuide's rule of thumb: consider replacing a water heater over 10 years old, or when the repair costs more than 50 percent of a replacement.
  • The tank itself is leaking. A.O. Smith's Bulletin 52 says a seep at a fitting welded to the tank is not repairable and the heater should be replaced.
  • Rust-colored hot water or sediment, loud popping or rumbling, or water that no longer heats properly. Those three are on Lowe's list of signs to consider replacement, next to age and leaks.
  • The household has outgrown it. ENERGY STAR says to consider a larger unit if you have added, or plan to add, occupants or a shower, dishwasher, or washer in frequent use. That is a replacement decision even when the old tank still works.

Repair prices to hold against it: $150 to $700 for a tank water heater and $300 to $1,300 for a tankless one, per HomeGuide (January 2, 2026).

Cost by type

What a new water heater costs installed, with the source and date on every row

Where two sources disagree, both are shown. The national guides are Angi, HomeAdvisor, and HomeGuide; the North Jersey figures come from HomeBlue’s Newark page, dated January 13, 2022, and ExpectedCosts’ undated Elizabeth page. Neither shows a quote behind its ranges. Treat all of it as a way to recognize a fair quote, not as a price list.

Range chart of published installed costs to replace a water heater, by type. Standard tank: $882 to $1,826, average $1,347 (Angi, July 20, 2026) and $600 to $3,100 for a 40 to 50 gallon tank (HomeGuide, January 2, 2026). Gas tank, North Jersey: 40 gallon $1,600 to $2,100 and 50 gallon $1,800 to $2,700 (HomeBlue, Newark, January 13, 2022) against $800 to $1,500, typical $1,000 (ExpectedCosts, Elizabeth, undated). Electric tank: 40 gallon $1,600 to $1,900 and 50 gallon $1,800 to $2,500 (HomeBlue) and $600 to $3,500 (HomeAdvisor, June 17, 2026). Power-vent gas tank: $300 to $600 more for the unit plus $300 to $500 of electrical work (Angi). Tankless gas: $1,400 to $3,900 (Angi), $1,400 to $5,600 (HomeGuide), $1,500 to $3,000 (ExpectedCosts). Heat pump: $2,000 to $4,600 (HomeGuide), $1,200 to $3,500 (HomeAdvisor), $2,000 to $4,000 (ExpectedCosts).
Published installed cost ranges for a water heater replacement, by heater type. Sources: Angi (July 20, 2026), HomeGuide (January 2, 2026), HomeAdvisor (June 17, 2026), HomeBlue's Newark page (January 13, 2022), and ExpectedCosts' undated Elizabeth page, each read October 1, 2026. None of them is an LA Trusted Partners price.

Standard tank, same fuel, same spot

$882 to $1,826, average $1,347 (Angi); $600 to $3,100 for a 40 to 50 gallon tank (HomeGuide)

What moves it

HomeAdvisor's average cost to install: $700 to $2,700 for a gas unit, $600 to $3,500 for electric. Labor alone is $150 to $450 per Angi or $200 to $1,000 per HomeGuide, which says a same-size swap takes a plumber 2 to 6 hours.

Gas tank, published North Jersey figures

40 gallon $1,600 to $2,100, 50 gallon $1,800 to $2,700 (HomeBlue, Newark, 2022); $800 to $1,500, typical $1,000, for a 40 to 50 gallon tank (ExpectedCosts, Elizabeth)

What moves it

The two local pages disagree: HomeBlue's low end for a 40-gallon gas tank is above ExpectedCosts' high end for the same job. HomeBlue's page is dated January 13, 2022 and says its figures include feedback from contractors; ExpectedCosts shows no date and labels its figure a general planning range, not a quotation.

Power-vent gas tank

$300 to $600 more for the unit plus $300 to $500 of electrical work (Angi); $350 to $500 more than a direct-vent model (HomeGuide)

What moves it

The tank with a fan or motor on top. Angi describes it as venting with a fan or blower and needing electricity, where a direct-vent tank uses an exhaust pipe or chimney. It is the gas storage tank the utility rebates are written for: PSE&G and Elizabethtown Gas list only power-vented tanks, and New Jersey Natural Gas accepts power or direct vent.

Tankless gas

$1,400 to $3,900 (Angi); $1,400 to $5,600 installed (HomeGuide); $1,500 to $3,000 (ExpectedCosts, Elizabeth)

What moves it

Labor alone, per Angi: $600 to $1,900 to replace a tankless unit and $150 to $2,500 to convert from a tank. HomeGuide puts a tank-to-tankless conversion at $600 to $2,500 in labor and a half to a full day, a larger gas supply line at $350 to $2,000, and first-time venting at $500 to $1,500.

Heat pump (hybrid) water heater

$2,000 to $4,600 installed (HomeGuide); $1,200 to $3,500 average cost to install (HomeAdvisor); $2,000 to $4,000 (ExpectedCosts, Elizabeth)

What moves it

Rewiring America's 2023 analysis came in higher: $3,600 to $4,800 when replacing an electric tank and $4,300 to $6,500 when replacing a gas one. Its page still describes a federal credit that has since ended; use it for the installed-cost range only.

Quotes can run above every published range

On the NJ Woods & Water forum, a homeowner with a leaking 40-gallon gas water heater wrote on July 27, 2026 that the prices given over the phone ran $2,500 to $4,000, with a three-day wait. That is one person’s account, not a survey, and it sits above every published range in the rows above. When a quote lands there, ask for the model, the warranty, the permit, and each add-on below as separate lines before you compare it with anything.

The add-on lines that move the total

These are national ranges from the two guides that itemize them. The permit row is not a New Jersey fee; ask your town’s construction office for its own.

Swipe sideways to see every column.

Common add-on costs on a water heater replacement quote, Angi and HomeGuide
Line on the quoteAngi (July 20, 2026)HomeGuide (January 2, 2026)
Permit and inspection$25 to $300$50 to $200
Thermal expansion tank$90 to $350$100 to $400
Removing and hauling away the old tank$100 to $500$75 to $500; most plumbers include it
Replacing or adding ventingPower vent: $300 to $600 plus $300 to $500 electrical$100 to $600 to replace vents, $500 to $1,500 to install them for the first time
Gas line work$260 to $820 on average for a new gas line$350 to $2,000 for a larger supply line
New electrical line or dedicated circuit$500 to $1,000 for a new line and a sub-panel if necessary, when changing fuel$250 to $900

Which one

Five kinds of water heater and what each one changes about the job

Gas tank that vents into a chimney

Where it fits: The like-for-like swap when that is what you have now. HomeGuide calls replacing a basic tank with a new one of the same size usually straightforward, 2 to 6 hours of a plumber's time.

What to check: It earns no utility rebate. New Jersey Natural Gas's rebate sheet says it in so many words: no atmospheric water heaters, the unit must be power or direct vent. PSE&G and Elizabethtown Gas list only power-vented storage tanks.

Power-vent gas tank

Where it fits: An owner who wants a gas tank that earns a rebate: $240 from PSE&G, $400 from Elizabethtown Gas or New Jersey Natural Gas. PSE&G's replacement line asks whether your current heater vents via a chimney or has a motor on top; this is the motor-on-top kind.

What to check: It needs electricity at the heater. Budget the $300 to $600 unit premium and the $300 to $500 of electrical work that Angi lists, and confirm the model meets the UEF number on your utility's table.

Electric tank

Where it fits: Homes without gas service. Angi notes that electric water heaters generally do not need venting, and HomeBlue's 2022 Newark figures put an electric tank at or below the gas tank of the same size.

What to check: HomeGuide's national operating-cost table puts an electric tank at $530 to $600 a year to run against $250 to $420 for a gas tank. None of the four utilities lists a rebate for a standard electric tank.

Tankless gas

Where it fits: Owners who want the 20-year service life the utilities publish and are ready for a bigger job. Rebates: $300 or $450 from PSE&G, $500 or $750 from Elizabethtown Gas or New Jersey Natural Gas.

What to check: PSE&G WorryFree will not price a tankless replacement by phone: its page says the estimate is in person only and same-day installation is not available. Expect gas line and venting changes on the quote.

Heat pump (hybrid) water heater

Where it fits: The lowest running cost on HomeGuide's national table, $160 to $190 a year. Rebates: $450 from PSE&G, or $750 when it replaces a fossil-fuel storage or tankless water heater, and $750 from JCP&L.

What to check: ENERGY STAR says it belongs in an interior space that stays between 40°F and 90°F all year with 1,000 cubic feet of air space around it, and that it can cool the space it is in. PSE&G's WorryFree water heater plan excludes heat pump and hybrid systems.

Set the new one to 120°F

The U.S. Consumer Product Safety Commission urges all users to lower their water heaters to 120 degrees Fahrenheit. Its scald sheet says most adults will suffer third-degree burns if exposed to 150-degree water for two seconds, and that burns also occur with six seconds at 140 degrees. Ask the plumber to set it and show you the dial before they leave.

Size it by people, not by square feet

ENERGY STAR’s water heater buying guidance is the simplest rule: start from the gallon capacity of the heater you have, which is on its nameplate or yellow EnergyGuide label, and consider a larger unit if you have added occupants or a shower, faucet, dishwasher, or washer. For a tank, HomeGuide says to compare the first-hour rating, the gallons of hot water the heater supplies in an hour when fully heated. The two published sizing tables, side by side:

Swipe sideways to see every column.

Water heater size by household size, HomeGuide and Angi
People in the houseHomeGuide: tank sizeHomeGuide: tankless flowAngi: tank size
1 to 223 to 30 gallons4 to 8 gallons a minute30 gallons
2 to 336 to 40 gallons6 to 9 gallons a minute40 gallons (1 to 4 people)
3 to 440 to 60 gallons7 to 10 gallons a minute50 gallons (3 to 5 people)
5 or more50 to 80 gallons9 to 11 or more gallons a minute75 gallons (4 to 6 people)

New Jersey rule

A water heater replacement is permitted work under the Uniform Construction Code

N.J.A.C. 5:23-2.17A(c)2 defines minor work to include “the replacement of existing water heaters with new ones of like capacity.” Minor work is still permitted work. It is the category that lets the job start on notice instead of waiting for the permit to be issued, which matters when the tank failed this morning.

It is not ordinary maintenance. The code’s list of plumbing jobs that need no permit, at N.J.A.C. 5:23-2.7, covers faucets, valves, traps, clearing stoppages, and swapping a fixture for a similar one. Water heaters are not on it.

Who is allowed to do it

N.J.A.C. 5:23-2.15(b)2 says plumbing work “shall not be undertaken except by persons licensed to perform such work pursuant to law, except in the case of a single-family homeowner on his or her own dwelling,” and that the licensed plumbing contractor’s seal and signature are affixed to the plumbing subcode application form. The State Board of Examiners of Master Plumbers licenses master plumbers; its number is (973) 504-6420. The exception is worded narrowly: a single-family homeowner, on his or her own dwelling.

  1. 1

    Notice before the work starts

    For minor work no permit has to be issued before the job begins, but the owner, or a contractor acting for the owner, must give the local enforcing agency notice first. The notice can be oral or written, in person or electronic, and includes a brief summary and the location of the work (N.J.A.C. 5:23-2.17A(a) and (b)1).

  2. 2

    Permit application within five business days

    The completed permit application is delivered to the enforcing agency, in person or by mail, within five business days of that notice, and the fee is paid before the permit is issued (5:23-2.17A(b)2). On a same-day emergency swap this is why the paperwork can follow the tank.

  3. 3

    Inspection, then a certificate of approval

    Inspections are required for minor work. The agency inspects within three business days of the request, or at another time within 30 days that you agree on, and the construction official issues a certificate of approval (5:23-2.17A(d)). Keep it with the house papers.

  4. 4

    Like capacity is the condition

    The minor-work wording covers a replacement with a new heater of like capacity. It does not name a tank-to-tankless conversion, a fuel change, or moving the heater; ask the construction office whether a permit has to be in hand before that work starts.

Step diagram of the New Jersey permit and inspection path for a water heater replacement under N.J.A.C. 5:23-2.17A. Step 1: notice to the local enforcing agency before the work starts; the job can start on notice. Step 2: the permit application within five business days of that notice. Step 3: an inspection within three business days of the request, or at another time within 30 days that you agree on, then a certificate of approval. Like capacity is the condition.
The minor-work path for replacing a water heater with a new one of like capacity. Source: N.J.A.C. 5:23-2.17A, minor work, via Cornell LII, read October 1, 2026. Your municipal construction office has the final word for your address.

PSE&G

PSE&G does three different things with water heaters. Keep them apart.

WorryFree replacement: a purchase, paid on the bill

  • Free replacement estimate over the phone at 1-800-539-7734 for standard gas and electric tanks; PSE&G says most standard replacements need no in-home visit.
  • Same-day installation Monday through Saturday if ordered by 1 p.m., only when the unit is in stock and exchanged for the same equipment. PSE&G says it cannot guarantee it.
  • A.O. Smith tanks with 6, 8, 10, or 12 year tank and parts warranties and one year of labor.
  • The contractor gives the final price, including installation, removal, and permit handling, before work begins. No charge for the visit if you decline.
  • No upfront payment; up to 72 months on the PSE&G bill, subject to credit approval.
  • PSE&G publishes no price; the page shows a $50 coupon for water heater replacement. Its own footnote says other providers are available and that the NJ Board of Public Utilities has not approved the rates offered.
PSE&G WorryFree standard water heater replacement

WorryFree protection plan: repairs, not a new tank

  • $4.55 a month for a standard gas or electric storage water heater and $13.03 a month for a gas tankless one, on PSE&G's plan page on October 1, 2026.
  • Covered parts include burners, gas controls, igniters, heating elements, thermostats, thermocouples, and the temperature and pressure relief valve (terms, page 13).
  • Not covered: water heater tank failure or leakage, anodes, dip tubes, the expansion tank, drain and shutoff valves, and vent pipes. Heat pump, hybrid, and indirect systems are excluded (page 14).
  • PSE&G's FAQ says coverage begins 15 days after you enroll, and the terms say preexisting defects are not covered and that defective or inoperative appliances are ineligible.
PSE&G WorryFree residential terms and conditions

HVAC Instant Rebates: money off a high-efficiency model

  • The rebate is credited on the invoice by a PSE&G participating contractor. You must be a current PSE&G residential customer and own the home; new construction is excluded.
  • PSE&G's FAQ says you can claim a water heater rebate in addition to the one rebate allowed for the home's primary heating or cooling system.
  • Income-qualified customers can add $300 per eligible measure.
  • Interest-free on-bill repayment of up to $25,000 over 84 months is available for an HVAC Instant Rebates project. PSE&G asks for 12 months of continuous, on-time payment history.
PSE&G HVAC Instant Rebates Program

We found no water heater rental on PSE&G’s WorryFree pages on October 1, 2026. What those pages describe is a purchase paid over time. The heating plan prices, what the plan terms leave out, and how to hold a WorryFree replacement quote against a second one are covered in PSE&G WorryFree explained.

Rebates

What each utility pays back on a water heater in 2026

The gas utility pays on gas water heaters and the electric utility on heat pump water heaters, so the names on your bills decide the column. Amounts were read on October 1, 2026 from PSE&G’s rebate tables, the Elizabethtown Gas 2026 application, the New Jersey Natural Gas rebate sheet, and JCP&L’s appliance rebates page.

Swipe sideways to see every column.

New Jersey utility water heater rebates by type, read October 1, 2026
Water heaterPSE&GElizabethtown GasNew Jersey Natural GasJCP&L
Gas tank that vents into a chimney (atmospheric)Not listedNot listedExcluded: no atmospheric water heatersNot listed
Power-vented gas storage tank, 55 gallons or less (UEF 0.64 medium draw, 0.68 high draw)$240$400 (under 55 gallons)$400 (power or direct vent)Not listed
Power-vented gas storage tank over 55 gallons (UEF 0.78 medium draw, 0.80 high draw)$240$400 (55 gallons and up)$400 (power or direct vent)Not listed
Tankless, UEF 0.87 or higher$300$500$500Not listed
Tankless, UEF 0.95 or higher$450$750$750Not listed
Indirect tank paired with a 90% AFUE or better gas boiler$150$250$250Not listed
Heat pump water heater$450; $750 when it replaces a fossil-fuel storage or tankless water heater (UEF 2.2 at 120V, 3.3 at 240V)Not on its rebate applicationNot on its water heating rebate sheet$750, ENERGY STAR certified
  • Elizabethtown Gas pays on equipment installed January 1, 2025 through June 30, 2027 and wants the application within 120 days of purchase, and no later than June 30, 2027. Income-qualified customers can add $300 for each qualifying piece of equipment. It says to apply through your gas or your electric company, not both.
  • New Jersey Natural Gas covers equipment purchased by June 30, 2027, wants the application postmarked within 120 days, and asks for a paid receipt and proof of the permit. Its rebates do not apply to new construction.
  • The federal credit is gone. The IRS says the Section 25C credit will not be allowed for any property placed in service after December 31, 2025.

The furnace, boiler, and heat pump amounts from the same four utilities, and the financing each one describes, are on the New Jersey HVAC rebates guide.

Before the call

What the installer will ask, and what the written quote should show

Five things to read off the old heater

PSE&G asks its own callers to have these five ready, along with the account number. They describe the job to anyone pricing it by phone.

  1. 1

    The size of the current water heater in gallons.

  2. 2

    Where it sits in the house.

  3. 3

    Its height and diameter.

  4. 4

    For gas: the BTU rating on the label.

  5. 5

    For gas: whether it vents into a chimney or has a motor on top.

Six lines a fair quote spells out

  • Brand, model number, gallons, and the tank and parts warranty in years. PSE&G's own lineup runs 6, 8, 10, and 12 years on the same brand, so two quotes for a 40-gallon tank can be for two different tanks.
  • Who files the notice and the permit application, and that the price includes the inspection. Lowe's and PSE&G both put permit handling inside their installed price.
  • Removal and haul-away of the old tank as a line, even if the amount is zero.
  • The expansion tank, new shutoff valve, and vent connector: included, or priced separately.
  • The utility rebate and the model's UEF. PSE&G's rebate is credited on the invoice by a participating contractor; Elizabethtown Gas and New Jersey Natural Gas take an application after the purchase.
  • Labor warranty in writing. PSE&G and Lowe's both state one year.

Coverage

Where a water heater request is currently reviewed

Requests from these towns enter review. Listing a town is not a promise that a plumber is available in it on a given day; that is confirmed before any details are shared. Outside these counties the request is still read, and you are told if there is no coverage.

Union County

PSE&G lists Elizabeth, Union, Linden, Rahway, Cranford, and Westfield in its electric service area, but its gas list for Union County is only Berkeley Heights, New Providence, Plainfield, and Summit. Elizabethtown Gas says it serves parts of Union County, so read the gas bill before assuming which rebate applies. Elizabethtown Gas pays $400 on a power-vented tank and $500 or $750 on tankless. Its gas-leak line is 1-800-492-4009 or 1-844-571-LEAK; leave the building first.

Elizabeth · Union · Linden · Rahway · Roselle · Roselle Park · Hillside · Cranford · Westfield · Summit · Plainfield · Scotch Plains · Clark · Kenilworth · Springfield · Berkeley Heights · New Providence

Essex County

PSE&G lists 21 Essex County municipalities, Newark, Irvington, Montclair, and West Orange among them, in both its electric and its gas service area. That is where the WorryFree replacement offer and the $150 to $750 PSE&G rebates apply. Millburn is on neither PSE&G list and is on JCP&L's zip code list. Gas Leaks and Emergencies: 1-800-880-7734 or 911.

Newark · Irvington · Maplewood · South Orange · West Orange · East Orange · Montclair · Bloomfield · Belleville · Nutley · Livingston · Millburn · Orange · Glen Ridge · Verona · Cedar Grove · Caldwell

Morris County

PSE&G lists 22 Morris County municipalities, Morristown, Madison, and Parsippany-Troy Hills among them, in its gas service area, but only Lincoln Park in its electric one. New Jersey Natural Gas and Elizabethtown Gas each name Morris County in their service areas, and JCP&L's zip code list includes Morristown, Parsippany, Dover, and Denville. JCP&L pays $750 on a heat pump water heater. New Jersey Natural Gas's leak line is 800-GAS-LEAK (800-427-5325).

Morristown · Morris Township · Madison · Chatham · Florham Park · Parsippany · Randolph · Denville · Dover · Boonton · Montville · Roxbury · Mount Olive · Hanover · East Hanover

The utility notes come from each company’s own published lists, read October 1, 2026: PSE&G’s service territory page, Elizabethtown Gas, New Jersey Natural Gas, and JCP&L’s zip code list. A town can appear on more than one, so the name on your own bill decides.

Before you hire

Four checks to run yourself before the old tank is disconnected

Active master plumber license

The State Board of Examiners of Master Plumbers licenses and regulates master plumbers in New Jersey and requires renewal every two years. Its number is (973) 504-6420. Look the license up yourself on the State verification site before the old tank is disconnected.

Permit in the plumber's name

Under N.J.A.C. 5:23-2.15(b)2 the licensed plumbing contractor's seal and signature go on the plumbing permit application. If a plumber asks you to file as the homeowner for work they are doing, call the construction office before you sign.

Model and price in writing before the swap

Brand, model, gallons, warranty, and what the price includes. PSE&G's own process puts the final price in front of the customer before any work begins; hold every installer to the same order.

Rebate eligibility confirmed, not assumed

PSE&G credits its rebate only through a participating contractor. Elizabethtown Gas and New Jersey Natural Gas want the application within 120 days of purchase, and New Jersey Natural Gas wants the paid receipt and proof of the permit with it.

Verify a master plumber license

The New Jersey Division of Consumer Affairs License Verification System, which the Division describes as real-time. Use Person Search for an individual license, or Business Search where the license is in a business name.

Open license verification

N.J.A.C. 5:23-2.17A, minor work

The regulation text that lists water heater replacement of like capacity as minor work, with the notice, five-business-day application, and inspection rules.

Read the regulation

PSE&G rebate tables

The HVAC Instant Rebates page. Open the gas and electric appliance tables to see the water heater rows and the efficiency each one requires.

Open PSE&G rebates

Match request

Request a water heater replacement match

What a submission is and is not

  • It is a request for review. LA Trusted Partners is a referral network, not a plumbing contractor and not a dispatcher.
  • Your details are shared with one independent plumber only after approved coverage is confirmed for your town.
  • LA Trusted Partners does not set, quote, or guarantee any plumber’s pricing, arrival time, rebate eligibility, or workmanship. The plumber’s written estimate is the contract, and you can decline it.

Prefer to talk it through? Call (908) 249-0016. What the network does and does not promise is written out in the disclosure and the vetting standards.

LA Trusted Partners is a referral network, not the contractor. Our independent providers pay us for marketing and software services, and you're always free to choose whether to hire them. It is not affiliated with PSE&G, Elizabethtown Gas, New Jersey Natural Gas, or JCP&L. If you smell gas, leave the building and call your gas utility's emergency line from outside before you finish this form.

Questions people ask

Water heater replacement questions, answered with the source named

What is a fair price to replace a water heater in New Jersey?

Published ranges, not a quote. Angi (updated July 20, 2026) puts a tank-style replacement at $882 to $1,826 nationally, $1,347 on average. HomeBlue's Newark page (dated January 13, 2022) lists $1,600 to $2,100 for a 40-gallon gas tank and $1,800 to $2,700 for a 50-gallon gas tank, while ExpectedCosts (undated) lists $800 to $1,500 for a 40 to 50 gallon tank in Elizabeth. Tankless runs $1,400 to $3,900 (Angi) or $1,400 to $5,600 (HomeGuide, January 2, 2026), and a heat pump water heater $2,000 to $4,600 installed (HomeGuide). Quotes can come in higher: on the NJ Woods & Water forum a New Jersey homeowner reported phone quotes of $2,500 to $4,000 for a 40-gallon gas tank on July 27, 2026. A fair quote names the model, the gallons, the warranty, the permit, and haul-away as separate lines.

Do I need a permit to replace a water heater in NJ?

Yes. New Jersey's Uniform Construction Code lists the replacement of existing water heaters with new ones of like capacity as minor work (N.J.A.C. 5:23-2.17A(c)2). Minor work can start once the local construction office has been given notice, the permit application has to be filed within five business days of that notice, and the work is inspected. Replacing a water heater is not on the code's ordinary plumbing maintenance list at N.J.A.C. 5:23-2.7, which is the list of jobs that need no permit.

What size water heater do I need for a 2,000 square foot house?

The published sizing tables go by people and hot-water use, not square feet. HomeGuide lists 23 to 30 gallons for 1 to 2 people, 36 to 40 for 2 to 3, 40 to 60 for 3 to 4, and 50 to 80 for 5 or more. Angi's table puts a 40-gallon tank at 1 to 4 people and a 50-gallon at 3 to 5. ENERGY STAR says to start from the capacity of the tank you have now, printed on its nameplate or yellow EnergyGuide label, and that you may want a larger unit if you have added people or fixtures.

How much does Lowe's charge to install a water heater?

Lowe's does not publish a flat installation price. Its water heater installation page, read October 1, 2026, says the cost varies with the type of heater, the fuel source, and local labor and permit fees, and that an independent installer gives the quote during a free consultation. The page says a basic installation covers disconnecting the old unit, the permit unless local rules make it the customer's job, a same-location and same-fuel replacement, testing, and disposal, with extra fees for same-day, weekend, attic, or crawlspace work. Lowe's will not install a water heater you already bought; the heater and the labor are sold together.

Does PSE&G replace water heaters, and does WorryFree cover it?

PSE&G WorryFree sells and installs A.O. Smith gas and electric water heaters through licensed contractors, gives a free replacement estimate by phone at 1-800-539-7734, and lets you pay over up to 72 months on the PSE&G bill, subject to credit approval. That is a purchase. The WorryFree protection plan is a different product: $4.55 a month for a standard water heater and $13.03 for a gas tankless one on October 1, 2026, and the plan terms list water heater tank failure or leakage among the parts not covered. A plan does not pay for a new tank.

Is there a PSE&G rebate on a new water heater?

Only on high-efficiency models installed by a PSE&G participating contractor. PSE&G's HVAC Instant Rebates table, read October 1, 2026, lists $240 on a power-vented gas storage water heater, $300 or $450 on a tankless unit depending on efficiency, $150 on an indirect tank tied to a 90% boiler, and $450 on a heat pump water heater, or $750 when the heat pump water heater replaces a fossil-fuel storage or tankless water heater. Elizabethtown Gas and New Jersey Natural Gas pay $400 on a power-vented gas tank, $500 or $750 on a tankless unit, and $250 on an indirect tank. A standard gas tank that vents into a chimney is on none of those tables.

Should I replace a 20-year-old water heater?

At 20 years a tank is past every published service-life range we found. PSE&G WorryFree's FAQ says a water heater should last about six to 12 years with proper maintenance, New Jersey Natural Gas recommends replacing a tank every 10 to 15 years, and Lowe's says most units last about 10 to 15 years. HomeGuide's rule of thumb is to consider replacing a water heater over 10 years old, or when a repair costs more than half of a replacement. HomeGuide adds that replacing a water heater before it fails may prevent leaks and water damage.

Do you need a plumber to replace a water heater in New Jersey?

In almost every case, yes. N.J.A.C. 5:23-2.15(b)2 says plumbing work shall not be undertaken except by persons licensed to perform it, with one exception: a single-family homeowner working on his or her own dwelling. The licensed plumbing contractor's seal and signature go on the plumbing permit application. The State Board of Examiners of Master Plumbers licenses master plumbers and can be reached at (973) 504-6420; anyone can look a license up on the State's verification site.

Is there a federal tax credit for a water heater in 2026?

No. The IRS says the Energy Efficient Home Improvement Credit (Section 25C) will not be allowed for any property placed in service after December 31, 2025, and ENERGY STAR's heat pump water heater credit page says the credit was effective for products purchased and installed between January 1, 2023 and December 31, 2025. A water heater installed in 2026 does not earn it. The utility rebates on this page are separate programs.

Does LA Trusted Partners install water heaters?

No. LA Trusted Partners is a New Jersey referral network, not a plumbing contractor and not a dispatcher. A request on this page is reviewed, and only when approved coverage is confirmed are your details shared with an independent plumber who contacts you directly. LA Trusted Partners does not set, quote, or guarantee any plumber's pricing, arrival time, rebate eligibility, or workmanship.

Sources cited on this page

Published October 1, 2026. Cost figures are the cited publishers’ national or New Jersey ranges on their stated dates; HomeBlue’s Newark page is dated January 13, 2022; ExpectedCosts shows no publication date and was read as it stood on October 1, 2026. Utility plan prices, rebate amounts, and program terms were read from each utility’s own page, application, or terms on October 1, 2026 and can change without notice. The permit rule is summarized from N.J.A.C. 5:23-2.17A, 5:23-2.15, and 5:23-2.7; your municipal construction office has the final word for your address. LA Trusted Partners is not affiliated with PSE&G, Elizabethtown Gas, New Jersey Natural Gas, or JCP&L.

Old tank, one request

Send what heats the water now, what it is doing, and which utility bills you. If coverage is confirmed for your town, an independent plumber contacts you, and their written estimate is yours to hold against the numbers on this page.