Visual story
The true monthly cost
A mortgage is only part of a month in a home. Here every town's typical month is stacked: the loan, then property tax, insurance, and the electricity, gas and water bills. Ordered first by how much of the month is not the loan, which is where a low price can hide a high cost.
388 towns · each bar is the whole month as 100%; on the right, the whole month and, in brackets, the share that is not the mortgage
MortgageProperty taxInsuranceElectricityGasWater and sewer
- Woodlynne borough · Camden$1,972 (44%)
- Penns Grove borough · Salem$1,960 (44%)
- Wenonah borough · Gloucester$3,447 (43%)
- Camden city · Camden$1,415 (42%)
- Pennsville township · Salem$2,586 (41%)
- National Park borough · Gloucester$2,549 (41%)
- Alloway township · Salem$2,750 (40%)
- Paulsboro borough · Gloucester$2,161 (40%)
- Laurel Springs borough · Camden$3,130 (40%)
- Westville borough · Gloucester$2,639 (39%)
- Beverly city · Burlington$2,559 (39%)
- Pleasantville city · Atlantic$2,261 (39%)
- Mount Ephraim borough · Camden$2,774 (39%)
- Pine Hill borough · Camden$2,525 (38%)
- Merchantville borough · Camden$3,159 (38%)
- Brooklawn borough · Camden$2,159 (38%)
- Woodbury Heights borough · Gloucester$3,171 (38%)
- Carneys Point township · Salem$2,368 (38%)
- Atlantic City city · Atlantic$1,928 (38%)
- Greenwich township · Cumberland$2,451 (37%)
- Vernon township · Sussex$2,579 (37%)
- Lawnside borough · Camden$2,679 (37%)
- Oaklyn borough · Camden$2,970 (37%)
- Palmyra borough · Burlington$2,703 (37%)
- Riverside township · Burlington$2,704 (37%)
- Mantua township · Gloucester$2,829 (37%)
- Lindenwold borough · Camden$2,346 (37%)
- Clayton borough · Gloucester$2,862 (37%)
- Stratford borough · Camden$2,998 (36%)
- Quinton township · Salem$2,415 (36%)
- Bridgeton city · Cumberland$2,166 (36%)
- Clementon borough · Camden$2,693 (36%)
- Magnolia borough · Camden$2,763 (36%)
- Millville city · Cumberland$2,202 (36%)
- Gibbsboro borough · Camden$3,260 (36%)
- Woodbury city · Gloucester$2,896 (36%)
- Chesilhurst borough · Camden$2,796 (36%)
- Woodstown borough · Salem$2,985 (36%)
- Pennsauken township · Camden$2,676 (35%)
- Pitman borough · Gloucester$3,072 (35%)
- Buena borough · Atlantic$2,728 (35%)
- Willingboro township · Burlington$3,005 (35%)
- Runnemede borough · Camden$2,735 (35%)
- Newfield borough · Gloucester$2,769 (35%)
- Salem city · Salem$1,980 (35%)
- Bellmawr borough · Camden$2,671 (35%)
- Audubon borough · Camden$3,270 (35%)
- Pilesgrove township · Salem$3,772 (35%)
- Barrington borough · Camden$3,163 (35%)
- Elmer borough · Salem$2,942 (34%)
- Irvington township · Essex$3,495 (34%)
- Linwood city · Atlantic$4,142 (34%)
- East Orange city · Essex$3,941 (33%)
- Delanco township · Burlington$2,976 (33%)
- Shiloh borough · Cumberland$2,044 (33%)
- High Bridge borough · Hunterdon$3,725 (33%)
- Northfield city · Atlantic$3,257 (33%)
- Riverton borough · Burlington$3,839 (33%)
- Vineland city · Cumberland$2,529 (33%)
- Edgewater Park township · Burlington$2,841 (33%)
- Prospect Park borough · Passaic$4,494 (33%)
- Glassboro borough · Gloucester$3,008 (33%)
- West Deptford township · Gloucester$3,027 (33%)
- Belleville township · Essex$4,200 (33%)
- Maple Shade township · Burlington$2,706 (32%)
- Cinnaminson township · Burlington$3,717 (32%)
- Somerdale borough · Camden$2,853 (32%)
- Pennington borough · Mercer$5,416 (32%)
- Delran township · Burlington$3,569 (32%)
- South Bound Brook borough · Somerset$3,660 (32%)
- Absecon city · Atlantic$2,815 (32%)
- Estell Manor city · Atlantic$3,011 (32%)
- Dunellen borough · Middlesex$4,336 (32%)
- North Plainfield borough · Somerset$4,001 (32%)
- Guttenberg town · Hudson$3,319 (32%)
- Belvidere town · Warren$3,082 (32%)
- Haledon borough · Passaic$4,540 (32%)
- Collingswood borough · Camden$3,637 (32%)
- Haddon Heights borough · Camden$4,059 (32%)
- Medford Lakes borough · Burlington$4,377 (31%)
- Hightstown borough · Mercer$3,750 (31%)
- Hammonton town · Atlantic$3,050 (31%)
- Westampton township · Burlington$3,379 (31%)
- Ogdensburg borough · Sussex$3,453 (31%)
- Haddon township · Camden$3,913 (31%)
- West Orange township · Essex$5,499 (31%)
- Fieldsboro borough · Burlington$2,942 (31%)
- Plainfield city · Union$4,100 (31%)
- Woodbridge township · Middlesex$3,797 (31%)
- Passaic city · Passaic$4,401 (31%)
- Paterson city · Passaic$4,288 (31%)
- Chesterfield township · Burlington$5,597 (31%)
- Lafayette township · Sussex$3,860 (31%)
- Montague township · Sussex$2,504 (31%)
- Voorhees township · Camden$4,308 (31%)
- Wharton borough · Morris$3,851 (30%)
- Franklin borough · Sussex$3,016 (30%)
- Hillside township · Union$4,091 (30%)
- Evesham township · Burlington$3,916 (30%)
- North Brunswick township · Middlesex$4,289 (30%)
- Hackensack city · Bergen$3,650 (30%)
- Hamburg borough · Sussex$3,147 (30%)
- Bound Brook borough · Somerset$4,004 (30%)
- Bloomfield township · Essex$4,768 (30%)
- Roselle borough · Union$4,060 (30%)
- Shamong township · Burlington$4,436 (30%)
- Ridgefield Park village · Bergen$4,765 (30%)
- Blairstown township · Warren$3,907 (30%)
- Byram township · Sussex$3,576 (30%)
- Jamesburg borough · Middlesex$3,576 (30%)
- Roselle Park borough · Union$4,250 (30%)
- Middlesex borough · Middlesex$4,241 (30%)
- Lumberton township · Burlington$3,834 (30%)
- Princeton · Mercer$7,463 (30%)
- West Milford township · Passaic$3,896 (30%)
- Tabernacle township · Burlington$4,057 (30%)
- Lawrence township · Mercer$3,598 (30%)
- Medford township · Burlington$4,890 (30%)
- Ringwood borough · Passaic$4,744 (30%)
- East Windsor township · Mercer$3,628 (30%)
- Hardwick township · Warren$3,830 (29%)
- Stanhope borough · Sussex$3,491 (29%)
- Hackettstown town · Warren$3,643 (29%)
- Highland Park borough · Middlesex$4,596 (29%)
- South Toms River borough · Ocean$3,128 (29%)
- Somers Point city · Atlantic$3,344 (29%)
- Newton town · Sussex$3,453 (29%)
- West New York town · Hudson$3,476 (29%)
- Somerville borough · Somerset$4,212 (29%)
- Manville borough · Somerset$3,686 (29%)
- Pompton Lakes borough · Passaic$4,318 (29%)
- Sparta township · Sussex$4,778 (29%)
- Lakehurst borough · Ocean$2,868 (29%)
- Little Ferry borough · Bergen$4,628 (29%)
- Eastampton township · Burlington$3,679 (29%)
- Rahway city · Union$4,161 (29%)
- Bogota borough · Bergen$4,803 (29%)
- Woodland township · Burlington$3,218 (29%)
- Bloomingdale borough · Passaic$4,352 (29%)
- Keansburg borough · Monmouth$3,023 (29%)
- Nutley township · Essex$5,017 (29%)
- Swedesboro borough · Gloucester$3,722 (29%)
- Wrightstown borough · Burlington$2,381 (29%)
- Sandyston township · Sussex$3,176 (29%)
- Union township · Union$4,411 (29%)
- Roosevelt borough · Monmouth$3,911 (29%)
- East Brunswick township · Middlesex$4,811 (29%)
- Haddonfield borough · Camden$6,562 (29%)
- Bayonne city · Hudson$4,519 (28%)
- South Orange Village township · Essex$8,254 (28%)
- Little Falls township · Passaic$4,738 (28%)
- Dumont borough · Bergen$5,162 (28%)
- Lincoln Park borough · Morris$4,117 (28%)
- Victory Gardens borough · Morris$2,557 (28%)
- Union Beach borough · Monmouth$4,181 (28%)
- Green Brook township · Somerset$5,331 (28%)
- Manchester township · Ocean$2,624 (28%)
- Milltown borough · Middlesex$4,667 (28%)
- Hillsborough township · Somerset$5,116 (28%)
- Keyport borough · Monmouth$3,874 (28%)
- Phillipsburg town · Warren$2,567 (28%)
- Wayne township · Passaic$5,708 (28%)
- Caldwell borough · Essex$5,615 (28%)
- Wanaque borough · Passaic$3,867 (28%)
- Kearny town · Hudson$4,415 (28%)
- Hopatcong borough · Sussex$3,452 (28%)
- Mine Hill township · Morris$3,787 (28%)
- Teaneck township · Bergen$5,253 (28%)
- Harrison town · Hudson$4,444 (28%)
- Hawthorne borough · Passaic$4,898 (28%)
- Toms River township · Ocean$3,519 (28%)
- Southampton township · Burlington$3,327 (28%)
- Milford borough · Hunterdon$4,010 (28%)
- Linden city · Union$4,162 (28%)
- Midland Park borough · Bergen$5,698 (28%)
- Newark city · Essex$3,646 (28%)
- Verona township · Essex$5,747 (28%)
- Clifton city · Passaic$4,615 (28%)
- Emerson borough · Bergen$5,942 (27%)
- Maplewood township · Essex$7,280 (27%)
- Rocky Hill borough · Somerset$5,525 (27%)
- Raritan borough · Somerset$4,107 (27%)
- Hasbrouck Heights borough · Bergen$5,453 (27%)
- Rutherford borough · Bergen$5,779 (27%)
- Tuckerton borough · Ocean$3,204 (27%)
- Elizabeth city · Union$4,178 (27%)
- Bergenfield borough · Bergen$4,898 (27%)
- Woodland Park borough · Passaic$4,919 (27%)
- Fort Lee borough · Bergen$4,476 (27%)
- Metuchen borough · Middlesex$5,196 (27%)
- Barnegat township · Ocean$3,834 (27%)
- Spotswood borough · Middlesex$4,245 (27%)
- Lodi borough · Bergen$4,718 (27%)
- New Milford borough · Bergen$5,556 (27%)
- Hazlet township · Monmouth$4,640 (27%)
- Mansfield township · Burlington$3,868 (27%)
- Trenton city · Mercer$2,582 (27%)
- Kenilworth borough · Union$4,697 (27%)
- Butler borough · Morris$4,191 (27%)
- South Plainfield borough · Middlesex$4,361 (27%)
- Hillsdale borough · Bergen$6,420 (27%)
- New Brunswick city · Middlesex$3,294 (27%)
- Kinnelon borough · Morris$6,405 (27%)
- North Bergen township · Hudson$4,299 (27%)
- North Haledon borough · Passaic$5,373 (27%)
- Fairview borough · Bergen$4,903 (27%)
- North Arlington borough · Bergen$4,717 (27%)
- Hainesport township · Burlington$3,900 (27%)
- Lyndhurst township · Bergen$4,880 (27%)
- Cliffside Park borough · Bergen$4,674 (27%)
- Perth Amboy city · Middlesex$3,689 (27%)
- Rochelle Park township · Bergen$4,620 (26%)
- Totowa borough · Passaic$4,940 (26%)
- Frenchtown borough · Hunterdon$4,389 (26%)
- Garfield city · Bergen$4,395 (26%)
- Waldwick borough · Bergen$5,573 (26%)
- South Hackensack township · Bergen$5,206 (26%)
- Springfield township · Union$5,232 (26%)
- Ocean Gate borough · Ocean$3,380 (26%)
- River Vale township · Bergen$7,425 (26%)
- Elmwood Park borough · Bergen$4,710 (26%)
- Moorestown township · Burlington$5,721 (26%)
- Glen Ridge borough · Essex$8,661 (26%)
- Springfield township · Burlington$3,989 (26%)
- River Edge borough · Bergen$6,448 (26%)
- Leonia borough · Bergen$6,403 (26%)
- West Caldwell township · Essex$5,911 (26%)
- Fair Lawn borough · Bergen$5,354 (26%)
- Dover town · Morris$3,795 (26%)
- Lakewood township · Ocean$4,392 (26%)
- Sayreville borough · Middlesex$3,905 (26%)
- North Hanover township · Burlington$4,179 (26%)
- Maywood borough · Bergen$5,149 (26%)
- Englishtown borough · Monmouth$4,304 (26%)
- South Amboy city · Middlesex$3,866 (26%)
- Montclair township · Essex$8,556 (26%)
- Helmetta borough · Middlesex$3,170 (26%)
- Port Republic city · Atlantic$3,242 (26%)
- Oakland borough · Bergen$5,690 (26%)
- Saddle Brook township · Bergen$4,901 (26%)
- Park Ridge borough · Bergen$6,290 (26%)
- Bloomsbury borough · Hunterdon$3,624 (26%)
- Englewood city · Bergen$4,651 (26%)
- Oradell borough · Bergen$7,473 (26%)
- Fanwood borough · Union$5,920 (25%)
- Glen Rock borough · Bergen$8,054 (25%)
- Lambertville city · Hunterdon$4,685 (25%)
- Califon borough · Hunterdon$5,496 (25%)
- Corbin City city · Atlantic$2,449 (25%)
- Union City city · Hudson$4,113 (25%)
- Cranford township · Union$5,693 (25%)
- Beachwood borough · Ocean$3,470 (25%)
- Westwood borough · Bergen$5,655 (25%)
- Woodbine borough · Cape May$2,448 (25%)
- Piscataway township · Middlesex$4,380 (25%)
- Harrington Park borough · Bergen$7,381 (25%)
- Sussex borough · Sussex$3,325 (25%)
- Eatontown borough · Monmouth$4,789 (25%)
- Edison township · Middlesex$4,662 (25%)
- Brick township · Ocean$3,823 (25%)
- Scotch Plains township · Union$6,112 (25%)
- Wallington borough · Bergen$4,922 (25%)
- Clark township · Union$5,260 (25%)
- Ramsey borough · Bergen$6,474 (25%)
- Cedar Grove township · Essex$5,648 (25%)
- Monroe township · Middlesex$4,579 (25%)
- Millburn township · Essex$9,541 (25%)
- Hampton borough · Hunterdon$4,343 (25%)
- Moonachie borough · Bergen$4,819 (25%)
- Fairfield township · Essex$5,985 (25%)
- South River borough · Middlesex$3,887 (25%)
- Carteret borough · Middlesex$4,091 (25%)
- Bridgewater township · Somerset$5,377 (25%)
- Northvale borough · Bergen$5,724 (25%)
- Garwood borough · Union$4,950 (25%)
- Mountain Lakes borough · Morris$8,719 (24%)
- Roseland borough · Essex$5,959 (24%)
- Riverdale borough · Morris$3,522 (24%)
- Branchville borough · Sussex$3,469 (24%)
- Morris Plains borough · Morris$5,287 (24%)
- Haworth borough · Bergen$8,898 (24%)
- New Hanover township · Burlington$3,214 (24%)
- Watchung borough · Somerset$7,725 (24%)
- Millstone township · Monmouth$6,943 (24%)
- Jackson township · Ocean$4,621 (24%)
- Pine Beach borough · Ocean$4,215 (24%)
- Branchburg township · Somerset$5,203 (24%)
- Highlands borough · Monmouth$4,452 (24%)
- Jersey City city · Hudson$4,719 (24%)
- Manalapan township · Monmouth$5,775 (23%)
- Flemington borough · Hunterdon$4,556 (23%)
- Tenafly borough · Bergen$9,485 (23%)
- Norwood borough · Bergen$6,693 (23%)
- Cresskill borough · Bergen$7,369 (23%)
- New Providence borough · Union$7,151 (23%)
- Weehawken township · Hudson$6,251 (23%)
- Warren township · Somerset$8,072 (23%)
- Ridgewood village · Bergen$8,905 (23%)
- Allendale borough · Bergen$7,899 (23%)
- Asbury Park city · Monmouth$4,975 (23%)
- Bernardsville borough · Somerset$7,313 (22%)
- Ridgefield borough · Bergen$5,470 (22%)
- Livingston township · Essex$7,743 (22%)
- Closter borough · Bergen$8,500 (22%)
- Carlstadt borough · Bergen$4,681 (22%)
- Ventnor City city · Atlantic$4,603 (22%)
- Cranbury township · Middlesex$6,855 (22%)
- East Rutherford borough · Bergen$4,544 (22%)
- Stockton borough · Hunterdon$4,784 (22%)
- Wyckoff township · Bergen$8,141 (22%)
- Island Heights borough · Ocean$4,516 (22%)
- Red Bank borough · Monmouth$5,140 (22%)
- Montvale borough · Bergen$6,566 (22%)
- Allentown borough · Monmouth$5,245 (22%)
- Tinton Falls borough · Monmouth$4,576 (22%)
- Berkeley Heights township · Union$6,733 (22%)
- Edgewater borough · Bergen$4,921 (21%)
- Holmdel township · Monmouth$7,836 (21%)
- Mahwah township · Bergen$4,989 (21%)
- Seaside Park borough · Ocean$6,173 (21%)
- Old Tappan borough · Bergen$9,338 (21%)
- Oceanport borough · Monmouth$6,611 (21%)
- Wildwood city · Cape May$4,497 (21%)
- Westfield town · Union$9,038 (21%)
- Secaucus town · Hudson$4,555 (21%)
- North Wildwood city · Cape May$4,766 (20%)
- Glen Gardner borough · Hunterdon$3,819 (20%)
- East Hanover township · Morris$5,893 (20%)
- Point Pleasant borough · Ocean$5,259 (20%)
- Woodcliff Lake borough · Bergen$8,714 (20%)
- Mountainside borough · Union$7,203 (20%)
- Paramus borough · Bergen$7,283 (20%)
- Madison borough · Morris$6,980 (20%)
- Demarest borough · Bergen$10,544 (20%)
- Brigantine city · Atlantic$4,970 (20%)
- West Long Branch borough · Monmouth$6,811 (20%)
- Long Branch city · Monmouth$5,637 (20%)
- Seaside Heights borough · Ocean$5,018 (20%)
- Cape May city · Cape May$5,138 (19%)
- Palisades Park borough · Bergen$6,768 (19%)
- North Caldwell borough · Essex$7,988 (19%)
- Colts Neck township · Monmouth$9,226 (19%)
- Atlantic Highlands borough · Monmouth$5,928 (19%)
- Little Silver borough · Monmouth$8,129 (19%)
- Franklin Lakes borough · Bergen$11,033 (19%)
- Upper Saddle River borough · Bergen$10,014 (19%)
- Essex Fells borough · Essex$9,860 (18%)
- Summit city · Union$9,437 (18%)
- Farmingdale borough · Monmouth$5,543 (18%)
- Florham Park borough · Morris$6,999 (18%)
- Morristown town · Morris$6,024 (17%)
- Manasquan borough · Monmouth$8,243 (17%)
- Fair Haven borough · Monmouth$10,861 (17%)
- Spring Lake borough · Monmouth$10,029 (17%)
- Point Pleasant Beach borough · Ocean$7,506 (17%)
- Monmouth Beach borough · Monmouth$7,695 (16%)
- Lake Como borough · Monmouth$5,791 (16%)
- Brielle borough · Monmouth$8,788 (16%)
- Margate City city · Atlantic$7,514 (16%)
- Hoboken city · Hudson$5,851 (16%)
- Mantoloking borough · Ocean$13,859 (16%)
- Sea Bright borough · Monmouth$7,204 (16%)
- Belmar borough · Monmouth$6,580 (15%)
- Bradley Beach borough · Monmouth$7,332 (15%)
- Rumson borough · Monmouth$15,458 (15%)
- Longport borough · Atlantic$10,159 (15%)
- Allenhurst borough · Monmouth$15,251 (14%)
- Lavallette borough · Ocean$7,902 (14%)
- Ocean City city · Cape May$7,219 (14%)
- Saddle River borough · Bergen$15,289 (13%)
- Far Hills borough · Somerset$9,012 (13%)
- Interlaken borough · Monmouth$10,655 (13%)
- Englewood Cliffs borough · Bergen$11,366 (13%)
- Beach Haven borough · Ocean$11,287 (13%)
- Ship Bottom borough · Ocean$9,676 (12%)
- Barnegat Light borough · Ocean$10,840 (11%)
- Sea Girt borough · Monmouth$16,116 (11%)
- Surf City borough · Ocean$10,867 (11%)
- Long Beach township · Ocean$13,088 (11%)
- Harvey Cedars borough · Ocean$14,327 (10%)
- Sea Isle City city · Cape May$9,362 (10%)
- Stone Harbor borough · Cape May$15,709 (9%)
- Bay Head borough · Ocean$16,481 (9%)
- Cape May Point borough · Cape May$9,966 (9%)
- Loch Arbour village · Monmouth$18,439 (8%)
- Avalon borough · Cape May$16,888 (8%)
- Alpine borough · Bergen$19,158 (8%)
- Deal borough · Monmouth$27,296 (8%)
Mortgage: principal and interest on Zillow’s typical home value with 20% down, at the national 30-year rate of 7.32% (2026-10-22). Property tax: the typical residential bill from the state’s tax list. Insurance, electricity, gas, water and sewer: the Census Bureau’s median bills for homes billed for each, so a town where most homes heat with oil shows little gas. Left out: mortgage insurance, upkeep, and heating oil. 388 towns have the home value and tax bill the month rests on. More visual stories →