<?xml version="1.0" encoding="UTF-8"?>
<schema attributeFormDefault="unqualified" elementFormDefault="qualified" xmlns="http://www.w3.org/2001/XMLSchema" xmlns:country="http://xbrl.sec.gov/country/2020-01-31" xmlns:currency="http://xbrl.sec.gov/currency/2020-01-31" xmlns:dei="http://xbrl.sec.gov/dei/2020-01-31" xmlns:exch="http://xbrl.sec.gov/exch/2020-01-31" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:nonnum="http://www.xbrl.org/dtr/type/non-numeric" xmlns:num="http://www.xbrl.org/dtr/type/numeric" xmlns:stpr="http://xbrl.sec.gov/stpr/2018-01-31" xmlns:us-gaap="http://fasb.org/us-gaap/2020-01-31" xmlns:us-roles="http://fasb.org/us-roles/2020-01-31" xmlns:us-types="http://fasb.org/us-types/2020-01-31" xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:naics="http://xbrl.sec.gov/naics/2017-01-31" xmlns:srt="http://fasb.org/srt/2020-01-31" xmlns:srt-types="http://fasb.org/srt-types/2020-01-31" targetNamespace="http://middlesexwater.com/20200630" xmlns:msex="http://middlesexwater.com/20200630">
  <!-- XBRL Document Created with XML Edge from P3 Data Systems -->
  <annotation>
    <appinfo>
      <link:linkbaseRef xlink:type="simple" xlink:href="msex-20200630_cal.xml" xlink:role="http://www.xbrl.org/2003/role/calculationLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase"/>
      <link:linkbaseRef xlink:type="simple" xlink:href="msex-20200630_def.xml" xlink:role="http://www.xbrl.org/2003/role/definitionLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase"/>
      <link:linkbaseRef xlink:type="simple" xlink:href="msex-20200630_lab.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase"/>
      <link:linkbaseRef xlink:type="simple" xlink:href="msex-20200630_pre.xml" xlink:role="http://www.xbrl.org/2003/role/presentationLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase"/>
      <link:roleType roleURI="http://middlesexwater.com/role/DocumentAndEntityInformation" id="DocumentAndEntityInformation">
        <link:definition>00010 - Document - Document and Entity Information</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://middlesexwater.com/role/Statement-CONDENSEDCONSOLIDATEDSTATEMENTSOFINCOME" id="Statement-CONDENSEDCONSOLIDATEDSTATEMENTSOFINCOME">
        <link:definition>00020 - Statement - CONDENSED CONSOLIDATED STATEMENTS OF INCOME (Unaudited)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://middlesexwater.com/role/Statement-CONDENSEDCONSOLIDATEDBALANCESHEETS" id="Statement-CONDENSEDCONSOLIDATEDBALANCESHEETS">
        <link:definition>00030 - Statement - CONDENSED CONSOLIDATED BALANCE SHEETS (Unaudited)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://middlesexwater.com/role/CondensedConsolidatedStatementsOfCashFlows" id="CondensedConsolidatedStatementsOfCashFlows">
        <link:definition>00040 - Statement - CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS (Unaudited)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://middlesexwater.com/role/Statement-CONDENSEDCONSOLIDATEDSTATEMENTSOFCASHFLOWSParenthetical" id="Statement-CONDENSEDCONSOLIDATEDSTATEMENTSOFCASHFLOWSParenthetical">
        <link:definition>00050 - Statement - CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS (Unaudited) (Parenthetical)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://middlesexwater.com/role/CondensedConsolidatedStatementsOfCapitalStockAndLong-termDebt" id="CondensedConsolidatedStatementsOfCapitalStockAndLong-termDebt">
        <link:definition>00060 - Statement - CONDENSED CONSOLIDATED STATEMENTS OF CAPITAL STOCK AND LONG-TERM DEBT (Unaudited)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://middlesexwater.com/role/CondensedConsolidatedStatementsOfCapitalStockAndLong-termDebtParenthetical" id="CondensedConsolidatedStatementsOfCapitalStockAndLong-termDebtParenthetical">
        <link:definition>00070 - Statement - CONDENSED CONSOLIDATED STATEMENTS OF CAPITAL STOCK AND LONG-TERM DEBT (Unaudited) (Parenthetical)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://middlesexwater.com/role/CondensedConsolidatedStatementsOfCommonStockholdersEquity" id="CondensedConsolidatedStatementsOfCommonStockholdersEquity">
        <link:definition>00080 - Statement - CONDENSED CONSOLIDATED STATEMENTS OF COMMON STOCKHOLDERS' EQUITY (Unaudited)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://middlesexwater.com/role/CondensedConsolidatedStatementsOfCommonStockholdersEquityParenthetical" id="CondensedConsolidatedStatementsOfCommonStockholdersEquityParenthetical">
        <link:definition>00090 - Statement - CONDENSED CONSOLIDATED STATEMENTS OF COMMON STOCKHOLDERS' EQUITY (Unaudited) (Parenthetical)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://middlesexwater.com/role/BasisOfPresentationAndRecentDevelopments" id="BasisOfPresentationAndRecentDevelopments">
        <link:definition>00100 - Disclosure - Basis of Presentation and Recent Developments</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://middlesexwater.com/role/RateAndRegulatoryMatters" id="RateAndRegulatoryMatters">
        <link:definition>00110 - Disclosure - Rate and Regulatory Matters</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://middlesexwater.com/role/Capitalization" id="Capitalization">
        <link:definition>00120 - Disclosure - Capitalization</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://middlesexwater.com/role/EarningsPerShare" id="EarningsPerShare">
        <link:definition>00130 - Disclosure - Earnings Per Share</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://middlesexwater.com/role/BusinessSegmentData" id="BusinessSegmentData">
        <link:definition>00140 - Disclosure - Business Segment Data</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://middlesexwater.com/role/Short-TermBorrowings" id="Short-TermBorrowings">
        <link:definition>00150 - Disclosure - Short-term Borrowings</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://middlesexwater.com/role/CommitmentsAndContingentLiabilities" id="CommitmentsAndContingentLiabilities">
        <link:definition>00160 - Disclosure - Commitments and Contingent Liabilities</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://middlesexwater.com/role/EmployeeBenefitPlans" id="EmployeeBenefitPlans">
        <link:definition>00170 - Disclosure - Employee Benefit Plans</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://middlesexwater.com/role/RevenueRecognitionFromContractsWithCustomers" id="RevenueRecognitionFromContractsWithCustomers">
        <link:definition>00180 - Disclosure - Revenue Recognition from Contracts with Customers</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://middlesexwater.com/role/Disclosure-IncomeTaxes" id="Disclosure-IncomeTaxes">
        <link:definition>00190 - Disclosure - Income Taxes</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://middlesexwater.com/role/CapitalizationTables" id="CapitalizationTables">
        <link:definition>00200 - Disclosure - Capitalization (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://middlesexwater.com/role/EarningsPerShareTables" id="EarningsPerShareTables">
        <link:definition>00210 - Disclosure - Earnings Per Share (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://middlesexwater.com/role/BusinessSegmentDataTables" id="BusinessSegmentDataTables">
        <link:definition>00220 - Disclosure - Business Segment Data (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://middlesexwater.com/role/Short-termBorrowingsTables" id="Short-termBorrowingsTables">
        <link:definition>00230 - Disclosure - Short-Term Borrowings (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://middlesexwater.com/role/CommitmentsAndContingentLiabilitiesTables" id="CommitmentsAndContingentLiabilitiesTables">
        <link:definition>00240 - Disclosure - Commitments and Contingent Liabilities (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://middlesexwater.com/role/EmployeeBenefitPlansTables" id="EmployeeBenefitPlansTables">
        <link:definition>00250 - Disclosure - Employee Benefit Plans (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://middlesexwater.com/role/RevenueRecognitionFromContractsWithCustomersTables" id="RevenueRecognitionFromContractsWithCustomersTables">
        <link:definition>00260 - Disclosure - Revenue Recognition from Contracts with Customers (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://middlesexwater.com/role/BasisOfPresentationAndRecentDevelopmentsDetails" id="BasisOfPresentationAndRecentDevelopmentsDetails">
        <link:definition>00270 - Disclosure - Basis of Presentation and Recent Developments (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://middlesexwater.com/role/RateAndRegulatoryMattersDetails" id="RateAndRegulatoryMattersDetails">
        <link:definition>00280 - Disclosure - Rate and Regulatory Matters (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://middlesexwater.com/role/CapitalizationNarrativeDetails" id="CapitalizationNarrativeDetails">
        <link:definition>00290 - Disclosure - Capitalization (Narrative) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://middlesexwater.com/role/CapitalizationScheduleOfCarryingAmountAndFairValueOfBondsDetails" id="CapitalizationScheduleOfCarryingAmountAndFairValueOfBondsDetails">
        <link:definition>00300 - Disclosure - Capitalization (Schedule of Carrying Amount and Fair Value of Bonds) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://middlesexwater.com/role/EarningsPerShareDetails" id="EarningsPerShareDetails">
        <link:definition>00310 - Disclosure - Earnings Per Share (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://middlesexwater.com/role/BusinessSegmentDataDetails" id="BusinessSegmentDataDetails">
        <link:definition>00320 - Disclosure - Business Segment Data (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://middlesexwater.com/role/Short-termBorrowingsNarrativeDetails" id="Short-termBorrowingsNarrativeDetails">
        <link:definition>00330 - Disclosure - Short-term Borrowings (Narrative) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://middlesexwater.com/role/Short-termBorrowingsScheduleOfLineOfCreditDetails" id="Short-termBorrowingsScheduleOfLineOfCreditDetails">
        <link:definition>00340 - Disclosure - Short-term Borrowings (Schedule of Line of Credit) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://middlesexwater.com/role/Short-termBorrowingsScheduleOfWeightedAverageDailyAmountsOfBorrowingsOutstandingDetails" id="Short-termBorrowingsScheduleOfWeightedAverageDailyAmountsOfBorrowingsOutstandingDetails">
        <link:definition>00350 - Disclosure - Short-term Borrowings (Schedule of Weighted Average Daily Amounts of Borrowings Outstanding) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://middlesexwater.com/role/CommitmentsAndContingentLiabilitiesNarrativeDetails" id="CommitmentsAndContingentLiabilitiesNarrativeDetails">
        <link:definition>00360 - Disclosure - Commitments and Contingent Liabilities (Narrative) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://middlesexwater.com/role/Disclosure-CommitmentsandContingentLiabilitiesScheduleofPurchasedWaterCostsDetails" id="Disclosure-CommitmentsandContingentLiabilitiesScheduleofPurchasedWaterCostsDetails">
        <link:definition>00370 - Disclosure - Commitments and Contingent Liabilities (Schedule of Purchased Water Costs) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://middlesexwater.com/role/CommitmentsAndContingentLiabilitiesScheduleOfOperatingLeaseRouAssetsAndLeaseLiabilitiesDetails" id="CommitmentsAndContingentLiabilitiesScheduleOfOperatingLeaseRouAssetsAndLeaseLiabilitiesDetails">
        <link:definition>00380 - Disclosure - Commitments and Contingent Liabilities (Schedule of Operating Lease ROU Assets and Lease Liabilities) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://middlesexwater.com/role/CommitmentsAndContingentLiabilitiesScheduleOfFutureMinimumOperatingLeaseDetails" id="CommitmentsAndContingentLiabilitiesScheduleOfFutureMinimumOperatingLeaseDetails">
        <link:definition>00390 - Disclosure - Commitments and Contingent Liabilities (Schedule of Future Minimum Operating Lease) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://middlesexwater.com/role/EmployeeBenefitPlansNarrativeDetails" id="EmployeeBenefitPlansNarrativeDetails">
        <link:definition>00400 - Disclosure - Employee Benefit Plans (Narrative) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://middlesexwater.com/role/Disclosure-EmployeeBenefitPlansScheduleofBenefitsPlansDetails" id="Disclosure-EmployeeBenefitPlansScheduleofBenefitsPlansDetails">
        <link:definition>00410 - Disclosure - Employee Benefit Plans (Schedule of Benefits Plans) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://middlesexwater.com/role/RevenueRecognitionFromContractsWithCustomersScheduleOfOperatingRevenueDetails" id="RevenueRecognitionFromContractsWithCustomersScheduleOfOperatingRevenueDetails">
        <link:definition>00420 - Disclosure - Revenue Recognition from Contracts with Customers (Schedule of Operating Revenue) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://middlesexwater.com/role/IncomeTaxesDetails" id="IncomeTaxesDetails">
        <link:definition>00430 - Disclosure - Income Taxes (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
    </appinfo>
  </annotation>
  <import namespace="http://www.xbrl.org/2003/instance" schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd"/>
  <import namespace="http://www.xbrl.org/2003/linkbase" schemaLocation="http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd"/>
  <import namespace="http://xbrl.org/2005/xbrldt" schemaLocation="http://www.xbrl.org/2005/xbrldt-2005.xsd"/>
  <import namespace="http://fasb.org/us-gaap/2020-01-31" schemaLocation="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd"/>
  <import namespace="http://xbrl.sec.gov/country/2020-01-31" schemaLocation="https://xbrl.sec.gov/country/2020/country-2020-01-31.xsd"/>
  <import namespace="http://xbrl.sec.gov/currency/2020-01-31" schemaLocation="https://xbrl.sec.gov/currency/2020/currency-2020-01-31.xsd"/>
  <import namespace="http://xbrl.sec.gov/exch/2020-01-31" schemaLocation="https://xbrl.sec.gov/exch/2020/exch-2020-01-31.xsd"/>
  <import namespace="http://xbrl.sec.gov/naics/2017-01-31" schemaLocation="https://xbrl.sec.gov/naics/2017/naics-2017-01-31.xsd"/>
  <import namespace="http://xbrl.sec.gov/sic/2020-01-31" schemaLocation="https://xbrl.sec.gov/sic/2020/sic-2020-01-31.xsd"/>
  <import namespace="http://xbrl.sec.gov/stpr/2018-01-31" schemaLocation="https://xbrl.sec.gov/stpr/2018/stpr-2018-01-31.xsd"/>
  <import namespace="http://www.xbrl.org/2009/role/negated" schemaLocation="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd"/>
  <import namespace="http://www.xbrl.org/2009/role/net" schemaLocation="http://www.xbrl.org/lrr/role/net-2009-12-16.xsd"/>
  <import namespace="http://xbrl.sec.gov/dei/2020-01-31" schemaLocation="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd"/>
  <import namespace="http://www.xbrl.org/dtr/type/numeric" schemaLocation="http://www.xbrl.org/dtr/type/numeric-2009-12-16.xsd"/>
  <import namespace="http://www.xbrl.org/dtr/type/non-numeric" schemaLocation="http://www.xbrl.org/dtr/type/nonNumeric-2009-12-16.xsd"/>
  <import namespace="http://fasb.org/us-types/2020-01-31" schemaLocation="http://xbrl.fasb.org/us-gaap/2020/elts/us-types-2020-01-31.xsd"/>
  <import namespace="http://fasb.org/srt/2020-01-31" schemaLocation="http://xbrl.fasb.org/srt/2020/elts/srt-2020-01-31.xsd"/>
  <import namespace="http://fasb.org/srt-types/2020-01-31" schemaLocation="http://xbrl.fasb.org/srt/2020/elts/srt-types-2020-01-31.xsd"/>
  <element name="FirstMortgage21Member" id="msex_FirstMortgage21Member" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <element name="NonredeemablePreferredStock1Member" id="msex_NonredeemablePreferredStock1Member" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <element name="PennsylvaniaPublicUtilitiesCommissioMember" id="msex_PennsylvaniaPublicUtilitiesCommissioMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <element name="SecuredDebt4Member" id="msex_SecuredDebt4Member" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <element name="FirstMortgage19Member" id="msex_FirstMortgage19Member" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <element name="StateRevolvingTrustNote6Member" id="msex_StateRevolvingTrustNote6Member" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <element name="TotalCommonEquity" id="msex_TotalCommonEquity" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="instant" xbrli:balance="credit"/>
  <element name="ContractOperationsPeriod" id="msex_ContractOperationsPeriod" type="xbrli:durationItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <element name="SecuredDebt8Member" id="msex_SecuredDebt8Member" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <element name="RightOfUseAssetsAccumulatedAmortization" id="msex_RightOfUseAssetsAccumulatedAmortization" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="instant" xbrli:balance="credit"/>
  <element name="FirstMortgage16Member" id="msex_FirstMortgage16Member" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <element name="PncBankMember" id="msex_PncBankMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <element name="BudgetedConstructionCost" id="msex_BudgetedConstructionCost" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" xbrli:balance="debit"/>
  <element name="WholesaleMunicipalRevenue" id="msex_WholesaleMunicipalRevenue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" xbrli:balance="credit"/>
  <element name="AccumulatedDeferredIncomeTaxes" id="msex_AccumulatedDeferredIncomeTaxes" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="instant" xbrli:balance="credit"/>
  <element name="DocumentAndEntityInformationAbstract" id="msex_DocumentAndEntityInformationAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <element name="TwinLakesMember" id="msex_TwinLakesMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <element name="FirstMortgagesSixMember" id="msex_FirstMortgagesSixMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <element name="CostOfPurchasedWaterAbstract" id="msex_CostOfPurchasedWaterAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <element name="StateRevolvingFundBondMember" id="msex_StateRevolvingFundBondMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <element name="CostOfUntreatedWater" id="msex_CostOfUntreatedWater" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" xbrli:balance="debit"/>
  <element name="EntityClosingMarketPricePerShare" id="msex_EntityClosingMarketPricePerShare" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="instant"/>
  <element name="SecuredDebt3Member" id="msex_SecuredDebt3Member" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <element name="DeobligatedPrincipalPayments" id="msex_DeobligatedPrincipalPayments" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" xbrli:balance="debit"/>
  <element name="DeferredChargesAndOtherAssets" id="msex_DeferredChargesAndOtherAssets" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="instant" xbrli:balance="debit"/>
  <element name="FirstMortgage26Member" id="msex_FirstMortgage26Member" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <element name="NewJerseyNjibProgramMember" id="msex_NewJerseyNjibProgramMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <element name="NonUtilityAssetsNet" id="msex_NonUtilityAssetsNet" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="instant" xbrli:balance="debit"/>
  <element name="StateRevolvingTrustNote7Member" id="msex_StateRevolvingTrustNote7Member" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <element name="FirstMortgage20Member" id="msex_FirstMortgage20Member" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <element name="ConvertiblePreferredStock1Member" id="msex_ConvertiblePreferredStock1Member" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <element name="EstimatedIncrementalBorrowingRate" id="msex_EstimatedIncrementalBorrowingRate" type="num:percentItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="instant"/>
  <element name="LeaseMaturityDate" id="msex_LeaseMaturityDate" type="xbrli:gYearItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <element name="SecuredDebt1Member" id="msex_SecuredDebt1Member" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <element name="FirstMortgage1Member" id="msex_FirstMortgage1Member" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <element name="ConstructionLoanMaximumBorrowingCapacity" id="msex_ConstructionLoanMaximumBorrowingCapacity" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="instant" xbrli:balance="credit"/>
  <element name="StateRevolvingTrustNote9Member" id="msex_StateRevolvingTrustNote9Member" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <element name="ImputedInterest" id="msex_ImputedInterest" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="instant" xbrli:balance="debit"/>
  <element name="FirstMortgage18Member" id="msex_FirstMortgage18Member" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <element name="StateRevolvingTrustNote1Member" id="msex_StateRevolvingTrustNote1Member" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <element name="BankOfAmericaMember" id="msex_BankOfAmericaMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <element name="OperationsAndMaintenance" id="msex_OperationsAndMaintenance" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" xbrli:balance="debit"/>
  <element name="ReserveProvision" id="msex_ReserveProvision" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="instant" xbrli:balance="credit"/>
  <element name="FirstMortgage5Member" id="msex_FirstMortgage5Member" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <element name="StateRevolvingTrustBondMember" id="msex_StateRevolvingTrustBondMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <element name="IndustrialOperatingRevenues" id="msex_IndustrialOperatingRevenues" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" xbrli:balance="credit"/>
  <element name="FirstMortgage17Member" id="msex_FirstMortgage17Member" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <element name="StateRevolvingTrustBond1Member" id="msex_StateRevolvingTrustBond1Member" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <element name="FirstMortgage32Member" id="msex_FirstMortgage32Member" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <element name="FirstMortgage33Member" id="msex_FirstMortgage33Member" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <element name="FirstMortgagesSevenMember" id="msex_FirstMortgagesSevenMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <element name="FirstMortgageBondsMember" id="msex_FirstMortgageBondsMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <element name="OtherLoanSourceMaximumBorrowingCapacity" id="msex_OtherLoanSourceMaximumBorrowingCapacity" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="instant" xbrli:balance="credit"/>
  <element name="CapitalizationTextBlock" id="msex_CapitalizationTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <element name="FirstMortgage6Member" id="msex_FirstMortgage6Member" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <element name="PercentageOfConsumerPriceIndex" id="msex_PercentageOfConsumerPriceIndex" type="num:percentItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <element name="PercentageOfPrincipalWithMarketInterestRate" id="msex_PercentageOfPrincipalWithMarketInterestRate" type="num:percentItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <element name="RightOfUseAssetsCurrent" id="msex_RightOfUseAssetsCurrent" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="instant" xbrli:balance="debit"/>
  <element name="OperatingLeaseLiabilityAndOtherLiabilitiesCurrent" id="msex_OperatingLeaseLiabilityAndOtherLiabilitiesCurrent" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="instant" xbrli:balance="credit"/>
  <element name="FirstMortgage11Member" id="msex_FirstMortgage11Member" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <element name="FirstMortgage24Member" id="msex_FirstMortgage24Member" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <element name="ConstructionAdvances" id="msex_ConstructionAdvances" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="instant" xbrli:balance="credit"/>
  <element name="FirstMortgage15Member" id="msex_FirstMortgage15Member" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <element name="RenewalDateOfLineOfCredit" id="msex_RenewalDateOfLineOfCredit" type="xbrli:dateItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <element name="FirstMortgage22Member" id="msex_FirstMortgage22Member" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <element name="CashPaidDuringYearForAbstract" id="msex_CashPaidDuringYearForAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <element name="FirstMortgage23Member" id="msex_FirstMortgage23Member" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <element name="SecuredDebt7Member" id="msex_SecuredDebt7Member" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <element name="TaxYear20142017Member" id="msex_TaxYear20142017Member" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <element name="SecuredDebt6Member" id="msex_SecuredDebt6Member" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <element name="PurchaseCommitment2Member" id="msex_PurchaseCommitment2Member" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <element name="StateRevolvingTrustNote3Member" id="msex_StateRevolvingTrustNote3Member" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <element name="FirstMortgage14Member" id="msex_FirstMortgage14Member" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <element name="StateRevolvingTrustNote10Member" id="msex_StateRevolvingTrustNote10Member" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <element name="CommercialOperatingRevenues" id="msex_CommercialOperatingRevenues" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" xbrli:balance="credit"/>
  <element name="LongtermPurchaseCommitmentExpirationDate" id="msex_LongtermPurchaseCommitmentExpirationDate" type="xbrli:dateItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <element name="NewJerseyInfrastructureBankTwoMember" id="msex_NewJerseyInfrastructureBankTwoMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <element name="OtherNonregulatedRevenues" id="msex_OtherNonregulatedRevenues" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" xbrli:balance="credit"/>
  <element name="DelawarePublicServiceCommissionMember" id="msex_DelawarePublicServiceCommissionMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <element name="FirstMortgage29Member" id="msex_FirstMortgage29Member" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <element name="FirstMortgage9Member" id="msex_FirstMortgage9Member" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <element name="CashDividendsOnPreferredStockShares" id="msex_CashDividendsOnPreferredStockShares" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <element name="FirstMortgage25Member" id="msex_FirstMortgage25Member" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <element name="FirstMortgageBondsFairValueDisclosure" id="msex_FirstMortgageBondsFairValueDisclosure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="instant" xbrli:balance="credit"/>
  <element name="BasisOfPresentationAndRecentDevelopmentsAbstract" id="msex_BasisOfPresentationAndRecentDevelopmentsAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <element name="FirstMortgage28Member" id="msex_FirstMortgage28Member" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <element name="FirstMortgage2Member" id="msex_FirstMortgage2Member" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <element name="RightOfUseAssetAtLeaseInception" id="msex_RightOfUseAssetAtLeaseInception" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="instant" xbrli:balance="debit"/>
  <element name="TidewaterMember" id="msex_TidewaterMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <element name="CondensedConsolidatedStatementsOfCapitalStockAndLongtermDebtAbstract" id="msex_CondensedConsolidatedStatementsOfCapitalStockAndLongtermDebtAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <element name="DeferredChargesAndOtherAssetsAbstract" id="msex_DeferredChargesAndOtherAssetsAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <element name="FirstMortgage10Member" id="msex_FirstMortgage10Member" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <element name="PercentageOfPrincipalWithStatedInterestRate" id="msex_PercentageOfPrincipalWithStatedInterestRate" type="num:percentItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <element name="StateRevolvingTrustNote11Member" id="msex_StateRevolvingTrustNote11Member" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <element name="CoBankMember" id="msex_CoBankMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <element name="FirstMortgage27Member" id="msex_FirstMortgage27Member" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <element name="ReductionOfTaxesPreviouslyPaidResultingFromAdoptionOfNewIrsRegulations" id="msex_ReductionOfTaxesPreviouslyPaidResultingFromAdoptionOfNewIrsRegulations" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" xbrli:balance="credit"/>
  <element name="ResidentialOperatingRevenues" id="msex_ResidentialOperatingRevenues" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" xbrli:balance="credit"/>
  <element name="StatementConsolidatedStatementsOfCapitalStockAndLongtermDebtAbstract" id="msex_StatementConsolidatedStatementsOfCapitalStockAndLongtermDebtAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <element name="ContractOperationsAmount" id="msex_ContractOperationsAmount" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" xbrli:balance="credit"/>
  <element name="StateRevolvingTrustNote2Member" id="msex_StateRevolvingTrustNote2Member" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <element name="StateRevolvingTrustNote4Member" id="msex_StateRevolvingTrustNote4Member" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <element name="ChangeInUnbilledRevenues" id="msex_ChangeInUnbilledRevenues" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" xbrli:balance="credit"/>
  <element name="ResidentialCommercialIndustrialAndFireProtectionRevenue" id="msex_ResidentialCommercialIndustrialAndFireProtectionRevenue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" xbrli:balance="credit"/>
  <element name="PurchaseCommitment1Member" id="msex_PurchaseCommitment1Member" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <element name="NewJerseyBoardOfPublicUtilitiesMember" id="msex_NewJerseyBoardOfPublicUtilitiesMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <element name="DelawareStateRevolvingFundMember" id="msex_DelawareStateRevolvingFundMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <element name="FirstMortgagesThreeMember" id="msex_FirstMortgagesThreeMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <element name="MiddlesexMember" id="msex_MiddlesexMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <element name="StateRevolvingTrustNote8Member" id="msex_StateRevolvingTrustNote8Member" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <element name="SecuredDebtZeroMember" id="msex_SecuredDebtZeroMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <element name="StateRevolvingTrustNote5Member" id="msex_StateRevolvingTrustNote5Member" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <element name="FirstMortgage8Member" id="msex_FirstMortgage8Member" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <element name="CommonStockExpensesShares" id="msex_CommonStockExpensesShares" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <element name="CostOfTreatedWater" id="msex_CostOfTreatedWater" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" xbrli:balance="debit"/>
  <element name="NewConstructionLoansMember" id="msex_NewConstructionLoansMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <element name="StateRevolvingTrustNoteMember" id="msex_StateRevolvingTrustNoteMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <element name="FirstMortgage31Member" id="msex_FirstMortgage31Member" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <element name="FirstMortgage13Member" id="msex_FirstMortgage13Member" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <element name="SecuredDebt2Member" id="msex_SecuredDebt2Member" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <element name="AmountOfDrawnExpectedRemaining" id="msex_AmountOfDrawnExpectedRemaining" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" xbrli:balance="debit"/>
  <element name="NonregualtedContractOperationsRevenue" id="msex_NonregualtedContractOperationsRevenue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" xbrli:balance="credit"/>
  <element name="FirstMortgage12Member" id="msex_FirstMortgage12Member" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <element name="RenewalTermOfLineOfCredit" id="msex_RenewalTermOfLineOfCredit" type="xbrli:durationItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <element name="SecuredDebt5Member" id="msex_SecuredDebt5Member" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <element name="CashDividendsOnCommonStockShares" id="msex_CashDividendsOnCommonStockShares" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <element name="PercentageOfOfferingSharesOnDiscountToParticipants" id="msex_PercentageOfOfferingSharesOnDiscountToParticipants" type="num:percentItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <element name="PreliminarySurveyAndInvestigationCharges" id="msex_PreliminarySurveyAndInvestigationCharges" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="instant" xbrli:balance="debit"/>
  <element name="InterSegmentEliminationOperatingRevenues" id="msex_InterSegmentEliminationOperatingRevenues" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" xbrli:balance="credit"/>
</schema>
