Middlesex County, New Jersey home prices
Typical home $579,852 · +3.1% in a year · property tax 2.1%
The typical home in Middlesex County is worth $579,852, about the same as the New Jersey typical home ($575,123). Values changed +3.1% in the past year and +34.8% over five years. Homeowners here pay a median 2.1% of their home's value in property tax each year ($12,166 on the typical home), versus 1.82% statewide.
Mortgage on the typical Middlesex County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $115,970 | $463,882 | $3,121 | $0 | $1,304 | $4,424 | $189,600 |
| 10% down | $57,985 | $521,867 | $3,511 | $217 | $1,304 | $5,032 | $215,600 |
| 5% down | $28,993 | $550,859 | $3,706 | $230 | $1,304 | $5,239 | $224,500 |
| 3.5% down (FHA) | $20,295 | $569,349 | $3,830 | $256 | $1,304 | $5,390 | $231,000 |
Assumes a 30-year fixed loan at 7.11%, property tax of 2.1% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
What it takes: see what you can afford by salary in New Jersey · part of the New York metro area.
New Jersey counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Passaic County | $597,668 | +4.5% | 2.18% |
| Ocean County | $551,299 | +4.8% | 1.65% |
| Hunterdon County | $627,345 | +3.0% | 1.93% |
| Union County | $627,890 | +2.3% | 1.89% |
| Hudson County | $636,059 | +1.5% | 1.77% |
| Somerset County | $656,346 | +2.7% | 1.81% |
| Essex County | $658,593 | +3.8% | 1.91% |
| Morris County | $701,797 | +3.9% | 1.72% |
| Sussex County | $445,283 | +2.7% | 2.32% |
| Mercer County | $439,984 | +0.2% | 2.36% |
Frequently asked questions
What is the average home price in Middlesex County, NJ?
The typical home value in Middlesex County is $579,852 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Middlesex County?
About $189,600 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Middlesex County?
The median effective rate is 2.1% of home value a year (Census ACS 2024 5-year estimates).