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Vineland

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.

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Vineland, NJ Mortgage Rates as of December 1, 2022
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Data provided by Icanbuy. Payments do not include amounts for taxes and insurance premiums. 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

December 1, 2022

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
Today's
Vineland, NJ Rates
National
Average
Comparison
30 Year Fixed Rate
%
6.580%
15 Year Fixed Rate
%
5.900%
5/1 Adjustable Rate Mortgage
%
5.895%

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 $207,279

Based on current mortgage rates and a 10% down payment, you need to make $33,962 per year to buy the median priced home in Vineland

With this income, you could qualify for a $186,551 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 $787

The median household income for Vineland, NJ (Cumberland County) is $59,002

Based on this income, you can afford a home valued at approximately $360,104

The home price you can afford to buy based on household income in Vineland is 174% of the median home value which means housing prices are average. Vineland (Cumberland County) ranks 7 out of 21 counties in New Jersey and 2,232 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

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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: $647,200
2 units: $828,700
3 units: $1,001,650
4 units: $1,244,850

FHA loan limits for Vineland, NJ

1 unit: $420,680
2 units: $538,650
3 units: $651,050
4 units: $809,150

VA loan limits for Vineland, NJ

1 unit: $647,200

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