The most affordable cities to buy a house in New Jersey (2026)

Every New Jersey city over 10,000 residents, ranked by the gross household income it takes to buy the typical home: 20% down at 7.24% (30-yr fixed), including New Jersey property tax and insurance. Data through 2026-09.

  1. Camden — typical home $149K, income to buy about $48,000/yr
  2. Atlantic City — typical home $219K, income to buy about $71,000/yr
  3. Gloucester City — typical home $239K, income to buy about $77,000/yr
  4. Pleasantville — typical home $250K, income to buy about $81,000/yr
  5. Bridgeton — typical home $251K, income to buy about $81,000/yr
  6. Millville — typical home $256K, income to buy about $83,000/yr
  7. Lindenwold — typical home $270K, income to buy about $87,000/yr
  8. Pennsville — typical home $277K, income to buy about $89,000/yr
  9. Pine Hill — typical home $283K, income to buy about $91,000/yr
  10. Vineland — typical home $308K, income to buy about $99,000/yr
  11. Bellmawr — typical home $315K, income to buy about $102,000/yr
  12. Phillipsburg — typical home $336K, income to buy about $108,000/yr
  13. Woodbury — typical home $339K, income to buy about $109,000/yr
  14. Trenton — typical home $343K, income to buy about $111,000/yr
  15. Glassboro — typical home $368K, income to buy about $119,000/yr
  16. Williamstown — typical home $370K, income to buy about $119,000/yr
  17. Sicklerville — typical home $380K, income to buy about $122,000/yr
  18. Hammonton — typical home $381K, income to buy about $123,000/yr
  19. Guttenberg — typical home $410K, income to buy about $132,000/yr
  20. Franklin Park — typical home $414K, income to buy about $133,000/yr
  21. Somers Point — typical home $431K, income to buy about $139,000/yr
  22. New Brunswick — typical home $439K, income to buy about $142,000/yr
  23. West New York — typical home $448K, income to buy about $144,000/yr
  24. Collingswood — typical home $453K, income to buy about $146,000/yr
  25. Hopatcong — typical home $453K, income to buy about $146,000/yr

At the other end, New Jersey's priciest markets: Short Hills ($768,000/yr), Franklin Lakes ($525,000/yr), Summit ($455,000/yr), Tenafly ($426,000/yr), Westfield ($420,000/yr).

"Income to buy" holds the typical home's payment inside the 28% lender guideline. Your own verdict depends on savings and debts — open any city and run your numbers, or see the whole country on the affordability map.

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