How much are property taxes in New Jersey?

New Jersey property taxes vary by county. Union County averages $10,000-$12,000/year. Our calculator includes NJ tax rates for accurate monthly payment estimates.

What credit score do I need to buy a home?

Most conventional loans require a minimum 620 credit score. FHA loans accept 580 with 3.5% down. For best rates, aim for 740 or higher.

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Mortgage Calculator

See your monthly payment, taxes, and total cost breakdown

Financial Tools

Mortgage Calculator

Current rate: 7.4% (30-yr fixed, Freddie Mac PMMS)

Home Price $400,000

Down Payment 20% ($80,000)

Loan Term

Interest Rate

Your NJ Town (auto-fills tax rate)

Annual Property Tax

NJ avg: $10,597/yr (highest in US). Select your town above for exact rate.

Annual Insurance

Monthly HOA

Monthly Payment

$2,982

Principal & Interest $2,215

Property Tax $666

Insurance $100

Loan Amount $320,000

Total Interest $477,621

Total Cost of Loan $1,073,621