What income do you need to buy a house in Caldwell, NJ?
It takes about $235,000/yr to afford the typical Caldwell, NJ home ($741K, +5.5% past year) at today's rates. Starter homes run around $508K. See if you can afford a house in Caldwell (2026 data) — free, no signup.
Market snapshot (2026-08)
- Income needed to buy the typical home: about $235,000/yr (28% front-end ratio, 20% down, 7.03% 30-yr fixed, NJ property tax and insurance)
- Typical home value: $741K (Zillow ZHVI, 2026-08)
- 1-year change: +5.5%
- Bottom 35% of homes: $508K
- Top 35% of homes start around: $943K
- Typical rent: $2,788/mo
- Median household income: $97K
- Price-to-income ratio: 7.7
- Estimated payment on the typical home: $3,955/mo principal & interest (20% down, 7.03% 30-yr fixed)
Nearby housing markets
The most affordable cities to buy a house in New Jersey
Home values are Zillow Group public data (ZHVI, updated monthly); income and population are US Census Bureau ACS 5-year estimates. Estimates only — not financial advice.
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