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New Jersey Mortgage Calculator

Calculate your New Jersey mortgage payment with state-specific property tax rates (2.49% average), income tax (1.4% - 10.75%), and 2026 conforming loan limits.

New Jersey-Specific Inputs

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New Jersey Property Tax

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NJ average: 2.49%

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Other costs

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New Jersey Mortgage Overview

New Jersey has the highest property taxes in the nation.

2026 Conforming Loan Limits

  • Single-family: $806,500
  • Two-unit: $1,032,320
  • Three-unit: $1,250,075
  • Four-unit: $1,548,480

New Jersey Income Tax Rates (2026)

New Jersey has a state income tax with rates of 1.4% - 10.75%.

New Jersey Property Tax

First-Time Homebuyer Programs

New Jersey Housing and Mortgage Finance Agency offers down payment assistance and favorable loan terms for qualifying first-time buyers in New Jersey.

Qualification requires meeting income limits.

New Jersey Mortgage FAQ

What is the average property tax rate in New Jersey?
What is the income tax in New Jersey?
What are New Jersey's conforming loan limits for 2026?
Are there first-time homebuyer programs in New Jersey?

Qualification requires meeting income limits.

How much do I need for a down payment in New Jersey?

Related resources

National Mortgage Calculator → NJ Paycheck Calculator → Affordability Calculator → Down Payment Calculator → All State Calculators → How Much House Can I Afford? →