Compare New Brunswick, NJ mortgage rates and fees from top lenders. Review free, personalized mortgage rates based on your specifc loan amount, program and other factors. Easily compare APRs, closing costs and monthly payments to find the lowest mortgage rates in New Brunswick.
We recommend that you contact at least five lenders as shopping multiple lenders is the best way to save money on your mortgage in New Brunswick. Plus, shopping lenders is free and there is no obligation.
August 22, 2025
Below we provide helpful information on the real estate market, home prices and housing affordability in New Brunswick. Understand how much you need to earn to afford a home in New Brunswick, including the mortgage you need to qualify for. Review the monthy payment so you can determine if owning a house in New Brunswick fits your budget. This information is based on proprietary analysis you can only find on FREEandCLEAR and we offer it to help you decide if living in New Brunswick is right for you.
The median home value for New Brunswick, NJ (Middlesex County) is $449,064
Based on current mortgage rates and a 10% down payment, you need to make $93,682 per year to buy the median priced home in New Brunswick
With this income, you could qualify for a $404,158 mortgage, assuming your monthly debt expense is reasonable
Based on this loan amount, the monthly mortgage payment required to buy the median priced home in New Brunswick is $2,170
The median household income for New Brunswick, NJ (Middlesex County) is $100,879
Based on this income, you can afford a home valued at approximately $483,561
The home price you can afford to buy based on household income in New Brunswick is 108% of the median home value which means housing prices are average. New Brunswick (Middlesex County) ranks 12 out of 21 counties in New Jersey and 2,720 out of 3,142 counties in the United States for housing affordability.
According to the FREEandCLEAR Housing Affordability Index, the housing market in New Brunswick, NJ is average
Mortgage limits affect your loan terms, mortgage program eligibility and what price home you can afford. Review the loan limits for New Brunswick (Middlesex County) below.
Conforming loan limits for New Brunswick, NJ
FHA loan limits for New Brunswick, NJ