Compare Current Vineland, New Jersey Mortgage Rates

Compare Vineland, 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 Vineland.

We recommend that you contact at least five lenders as shopping multiple lenders is the best way to save money on your mortgage in Vineland. Plus, shopping lenders is free and there is no obligation.

Vineland, NJ Mortgage Rates as of June 12, 2024
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Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes, insurance premiums or private mortgage insurance if applicable. Actual payments will be greater with taxes and insurance included. Read through our lender table disclaimer for more information on rates and product details.

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Compare Today's Vineland, NJ Mortgage Rates

June 12, 2024

Current mortgage rates in Vineland, NJ are % for a 30 year fixed rate loan, % for a 15 year fixed loan and % for a 5/1 adjustable rate mortgage (ARM)

Mortgage Program
Vineland, NJ Rates
30 Year Fixed Rate
15 Year Fixed Rate
5/1 Adjustable Rate Mortgage

How Affordable is Housing in Vineland, New Jersey?

Below we provide helpful information on the real estate market, home prices and housing affordability in Vineland. Understand how much you need to earn to afford a home in Vineland, including the mortgage you need to qualify for. Review the monthy payment so you can determine if owning a house in Vineland 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 Vineland is right for you.

The median home value for Vineland, NJ (Cumberland County) is $221,146

Based on current mortgage rates and a 10% down payment, you need to make $46,135 per year to buy the median priced home in Vineland

With this income, you could qualify for a $199,032 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 Vineland is $1,068

The median household income for Vineland, NJ (Cumberland County) is $59,241

Based on this income, you can afford a home valued at approximately $283,974

The home price you can afford to buy based on household income in Vineland is 128% of the median home value which means housing prices are average. Vineland (Cumberland County) ranks 6 out of 21 counties in New Jersey and 2,362 out of 3,142 counties in the United States for housing affordability.

According to the FREEandCLEAR Housing Affordability Index, the housing market in Vineland, NJ is average


Loan Limits for Vineland, New Jersey

Mortgage limits affect your loan terms, mortgage program eligibility and what price home you can afford. Review the loan limits for Vineland (Cumberland County) below.

Conforming loan limits for Vineland, NJ

1 unit: $726,200
2 units: $929,850
3 units: $1,123,900
4 units: $1,396,800

FHA loan limits for Vineland, NJ

1 unit: $472,030
2 units: $604,400
3 units: $730,525
4 units: $907,900

VA loan limits for Vineland, NJ

1 unit: $726,200

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