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New Jersey Mortgage Calculator

The complete New Jersey payment — principal, interest, New Jersey property taxes, and insurance. Free, no sign-up.

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2.2%typical New Jersey property tax rate — well above the national median of 0.85%

$1,300/yrtypical New Jersey homeowners insurance — well below the national median of $2,100/yr

$733/moproperty tax alone on a $400,000 New Jersey home at the typical rate

$3,356/moexample full PITI on a $400,000 home, 10% down, 6.75% 30-yr, typical New Jersey tax & insurance

What a mortgage really costs in New Jersey

Most calculators show principal and interest and stop there. In New Jersey, that leaves out roughly $841 a month in property taxes and insurance on a typical $400,000 home — the difference between the payment you planned for and the one you'll actually make. This calculator shows the full PITI: Principal, Interest, Taxes, and Insurance, with New Jersey's typical rates loaded automatically.

Better than typical: your exact house

Statewide averages are a starting point — New Jersey counties and towns vary. Enter a property address in the calculator and it pulls that home's actual county tax record, so you're budgeting on the real number, not an estimate. You can also compare up to three New Jersey homes side by side, complete with each one's taxes, insurance, and HOA.

Open the New Jersey calculator →

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