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 6.66% (30-yr fixed), including New Jersey property tax and insurance. Data through 2026-06.

  1. Camden — typical home $151K, income to buy about $47,000/yr
  2. Atlantic City — typical home $221K, income to buy about $68,000/yr
  3. Gloucester City — typical home $243K, income to buy about $75,000/yr
  4. Pleasantville — typical home $248K, income to buy about $76,000/yr
  5. Bridgeton — typical home $260K, income to buy about $80,000/yr
  6. Millville — typical home $263K, income to buy about $81,000/yr
  7. Lindenwold — typical home $278K, income to buy about $86,000/yr
  8. Pennsville — typical home $281K, income to buy about $87,000/yr
  9. Pine Hill — typical home $288K, income to buy about $89,000/yr
  10. Vineland — typical home $315K, income to buy about $97,000/yr
  11. Bellmawr — typical home $320K, income to buy about $99,000/yr
  12. Phillipsburg — typical home $346K, income to buy about $107,000/yr
  13. Woodbury — typical home $348K, income to buy about $107,000/yr
  14. Trenton — typical home $356K, income to buy about $110,000/yr
  15. Glassboro — typical home $376K, income to buy about $116,000/yr
  16. Williamstown — typical home $378K, income to buy about $117,000/yr
  17. Sicklerville — typical home $386K, income to buy about $119,000/yr
  18. Hammonton — typical home $387K, income to buy about $120,000/yr
  19. Franklin Park — typical home $420K, income to buy about $130,000/yr
  20. Guttenberg — typical home $421K, income to buy about $130,000/yr
  21. Somers Point — typical home $438K, income to buy about $135,000/yr
  22. New Brunswick — typical home $452K, income to buy about $140,000/yr
  23. Collingswood — typical home $460K, income to buy about $142,000/yr
  24. Hopatcong — typical home $461K, income to buy about $142,000/yr
  25. West New York — typical home $469K, income to buy about $145,000/yr

At the other end, New Jersey's priciest markets: Short Hills ($756,000/yr), Franklin Lakes ($504,000/yr), Summit ($442,000/yr), Tenafly ($414,000/yr), Westfield ($412,000/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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