Buyer Tools
NJ mortgage payment calculator
Estimate your full monthly payment (principal, interest, NJ property taxes, insurance, PMI, and HOA) before you make an offer.
Purchase details
$112,000
Loan term
Monthly costs
$11,312/yr
None
The typical town's tax rate in the 12 counties I cover is about 2.0% (2025). Your bill depends on the home, so check the listing's tax bill: a seller's senior or veteran deduction ends at closing. NJ property tax guide →
Monthly payment
Total monthly payment
$4,161
Principal & interest, taxes, insurance
Monthly breakdown
Loan amount
$448,000
Amount financed
Down payment
$112,000
20% of purchase
Estimates only. Actual payment depends on your credit score, lender, and local tax assessment. Consult a licensed mortgage professional for an exact quote.
Talk to Me About BuyingNJ mortgage context
NJ property taxes are among the highest in the US
In the 12 counties I cover, the typical town's effective rate is about 2.0% of home value a year (2025; county typical rates run ~1.5–2.4%). At ~$558K (the NJ median as of Sep 2026), that's about $11,300/year, a big part of your monthly payment. Rates vary by county and town.
County-by-county tax guide →Plan for closing costs
NJ buyers typically pay 2–5% of the purchase price in closing costs: attorney fees, title insurance, mortgage origination, prepaid taxes, and more.
Full NJ closing cost guide →Compare counties before you buy
Median prices range from ~$400K in Burlington County to ~$761K in Bergen County (as of Sep 2026). The county you buy in changes both your mortgage payment and your property tax bill.
Explore all 12 counties →Buying in NJ?
I work with first-time buyers using FHA loans, people moving up or downsizing, and investors in 12 NJ counties.