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 6.76% (30-yr fixed), including New Jersey property tax and insurance. Data through 2026-07.

  1. Camden — typical home $147K, income to buy about $46,000/yr
  2. Atlantic City — typical home $221K, income to buy about $69,000/yr
  3. Gloucester City — typical home $243K, income to buy about $76,000/yr
  4. Pleasantville — typical home $249K, income to buy about $77,000/yr
  5. Bridgeton — typical home $259K, income to buy about $80,000/yr
  6. Millville — typical home $262K, income to buy about $82,000/yr
  7. Lindenwold — typical home $276K, income to buy about $86,000/yr
  8. Pennsville — typical home $280K, income to buy about $87,000/yr
  9. Pine Hill — typical home $289K, income to buy about $90,000/yr
  10. Vineland — typical home $315K, income to buy about $98,000/yr
  11. Bellmawr — typical home $322K, income to buy about $100,000/yr
  12. Phillipsburg — typical home $346K, income to buy about $108,000/yr
  13. Woodbury — typical home $347K, income to buy about $108,000/yr
  14. Trenton — typical home $354K, income to buy about $110,000/yr
  15. Glassboro — typical home $376K, income to buy about $117,000/yr
  16. Williamstown — typical home $378K, income to buy about $118,000/yr
  17. Hammonton — typical home $385K, income to buy about $120,000/yr
  18. Sicklerville — typical home $386K, income to buy about $120,000/yr
  19. Guttenberg — typical home $425K, income to buy about $132,000/yr
  20. Franklin Park — typical home $426K, income to buy about $132,000/yr
  21. Somers Point — typical home $437K, income to buy about $136,000/yr
  22. New Brunswick — typical home $449K, income to buy about $140,000/yr
  23. Hopatcong — typical home $460K, income to buy about $143,000/yr
  24. Collingswood — typical home $463K, income to buy about $144,000/yr
  25. Toms River — typical home $467K, income to buy about $145,000/yr

At the other end, New Jersey's priciest markets: Short Hills ($753,000/yr), Franklin Lakes ($516,000/yr), Summit ($446,000/yr), Tenafly ($416,000/yr), Westfield ($413,000/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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