New Jersey Mortgage Calculator
Estimate your monthly payment in New Jersey — including property tax (2.23% effective rate), home insurance, and PMI. Pre-filled with New Jersey averages for 2026.
= $100,000 down
See pre-qualified rates from New Jersey lenders without affecting your credit.
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Mortgage costs in New Jersey
The average New Jersey homeowner pays roughly $929/month in property tax on a median-priced home, plus about $75/month in home insurance. Property tax is billed by your county — actual rates vary from the state average, so check your county assessor's site for exact figures.
How much house can I afford in New Jersey?
A common rule is to keep total housing costs (PITI) under 28% of gross monthly income. At current rates, buying the median New Jersey home ($500,000) with 20% down requires roughly $154,224 in annual income.