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 7.03% (30-yr fixed), including New Jersey property tax and insurance. Data through 2026-08.

  1. Camden — typical home $152K, income to buy about $48,000/yr
  2. Atlantic City — typical home $223K, income to buy about $71,000/yr
  3. Gloucester City — typical home $243K, income to buy about $77,000/yr
  4. Pleasantville — typical home $249K, income to buy about $79,000/yr
  5. Bridgeton — typical home $258K, income to buy about $82,000/yr
  6. Millville — typical home $262K, income to buy about $83,000/yr
  7. Lindenwold — typical home $273K, income to buy about $87,000/yr
  8. Pennsville — typical home $279K, income to buy about $89,000/yr
  9. Pine Hill — typical home $288K, income to buy about $91,000/yr
  10. Vineland — typical home $314K, income to buy about $100,000/yr
  11. Bellmawr — typical home $318K, income to buy about $101,000/yr
  12. Woodbury — typical home $342K, income to buy about $108,000/yr
  13. Phillipsburg — typical home $344K, income to buy about $109,000/yr
  14. Trenton — typical home $349K, income to buy about $111,000/yr
  15. Glassboro — typical home $373K, income to buy about $118,000/yr
  16. Williamstown — typical home $374K, income to buy about $119,000/yr
  17. Sicklerville — typical home $383K, income to buy about $122,000/yr
  18. Hammonton — typical home $385K, income to buy about $122,000/yr
  19. Guttenberg — typical home $416K, income to buy about $132,000/yr
  20. Franklin Park — typical home $418K, income to buy about $133,000/yr
  21. Somers Point — typical home $435K, income to buy about $138,000/yr
  22. New Brunswick — typical home $448K, income to buy about $142,000/yr
  23. West New York — typical home $450K, income to buy about $143,000/yr
  24. Hopatcong — typical home $459K, income to buy about $146,000/yr
  25. Collingswood — typical home $460K, income to buy about $146,000/yr

At the other end, New Jersey's priciest markets: Short Hills ($758,000/yr), Franklin Lakes ($521,000/yr), Summit ($448,000/yr), Tenafly ($422,000/yr), Westfield ($417,000/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.

i wanna buy a house .com — type a city, see its market, find out what you can afford.