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Mortgage Calculator &
Closing Costs: Bridgeton, NJ

Mortgage payment estimates, closing cost breakdowns, and homebuying data for Bridgeton, New Jersey.

Median Home Price
$185K
Population
25K
Avg Monthly Rent
$1,020
Property Tax Rate
2.47%
Bridgeton vs New Jersey Median
The median home price in Bridgeton is $185,000, which is 63% below the New Jersey state median of $505,000.

Mortgage Calculator — Bridgeton, NJ

Pre-filled with Bridgeton median home price and New Jersey tax/insurance rates. Adjust for your property.

$
$37,000
%
%
years
NJ avg
%
$
Monthly Payment (PITI)
$1,441
Principal + Interest + Tax + Insurance + PMI
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Principal & Interest
$935
per month
Taxes & Insurance
$506
per month
Total Interest Paid
$189K
over 30 years
Total Loan Cost
$337K
all payments
Payment Breakdown
Loan Amount$148,000
Principal & Interest$935
Property Taxes$381
Homeowners Insurance$125
Total Monthly PITI$1,441

Closing Costs — Bridgeton, NJ

Estimated closing costs based on New Jersey rates and fees applied to Bridgeton prices.

$
%
New Jersey: Avg closing costs 2.0% of price. Transfer tax: 1%.
Estimated Closing Costs
$10,462
5.7% of purchase price
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Lender Fees
$1,757
origination, underwriting
Third-Party
$2,375
appraisal, title, inspection
Government Fees
$1,850
transfer taxes, recording
Prepaids + Escrow
$4,480
taxes, insurance, interest
Itemized Costs
Loan Origination (0.8%)$1,332
Underwriting Fee$350
Credit Report$75
Appraisal$550
Home Inspection$450
Title Search + Insurance$1,225
Recording Fee$150
Transfer Tax$1,850
Prepaid Taxes (3 mo)$1,142
Prepaid Insurance (12 mo)$1,500
Prepaid Interest (15 days)$445
Escrow Reserves$1,392
Total Closing Costs$10,462

Buying a Home in Bridgeton, New Jersey

The median home price in Bridgeton is $185,000, 63% below the New Jersey state median of $505,000. With a population of 25,108, Bridgeton is a smaller market where home prices tend to be more accessible than in many parts of New Jersey.

Property taxes in New Jersey average 2.47% annually. This higher-than-average tax rate means a $185,000 home in Bridgeton would carry roughly $381/month in property taxes alone — plan accordingly. Homeowners insurance in New Jersey runs approximately $1,500 per year. This is within the normal range nationally.

Average rent in Bridgeton is $1,020/month. The price-to-rent ratio in Bridgeton is moderate, meaning the buy-vs-rent decision depends heavily on how long you plan to stay.

Bridgeton offers strong affordability. With median prices under $250K, first-time buyers have realistic paths to homeownership, especially combined with New Jersey's NJHMFA DPA Program program.

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