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Mortgage Calculator &
Closing Costs: Vineland, NJ

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

Median Home Price
$245K
Population
61K
Avg Monthly Rent
$1,220
Property Tax Rate
2.47%
Vineland vs New Jersey Median
The median home price in Vineland is $245,000, which is 51% below the New Jersey state median of $505,000.

Mortgage Calculator — Vineland, NJ

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

$
$49,000
%
%
years
NJ avg
%
$
Monthly Payment (PITI)
$1,868
Principal + Interest + Tax + Insurance + PMI
Principal & Interest
$1,239
per month
Taxes & Insurance
$629
per month
Total Interest Paid
$250K
over 30 years
Total Loan Cost
$446K
all payments
Payment Breakdown
Loan Amount$196,000
Principal & Interest$1,239
Property Taxes$504
Homeowners Insurance$125
Total Monthly PITI$1,868

Closing Costs — Vineland, NJ

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

$
%
New Jersey: Avg closing costs 2.0% of price. Transfer tax: 1%.
Estimated Closing Costs
$12,679
5.2% of purchase price
Lender Fees
$2,189
origination, underwriting
Third-Party
$2,675
appraisal, title, inspection
Government Fees
$2,450
transfer taxes, recording
Prepaids + Escrow
$5,365
taxes, insurance, interest
Itemized Costs
Loan Origination (0.8%)$1,764
Underwriting Fee$350
Credit Report$75
Appraisal$550
Home Inspection$450
Title Search + Insurance$1,525
Recording Fee$150
Transfer Tax$2,450
Prepaid Taxes (3 mo)$1,513
Prepaid Insurance (12 mo)$1,500
Prepaid Interest (15 days)$589
Escrow Reserves$1,763
Total Closing Costs$12,679

Buying a Home in Vineland, New Jersey

The median home price in Vineland is $245,000, 51% below the New Jersey state median of $505,000. With a population of 60,724, Vineland 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 $245,000 home in Vineland would carry roughly $504/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 Vineland is $1,220/month. The price-to-rent ratio in Vineland is moderate, meaning the buy-vs-rent decision depends heavily on how long you plan to stay.

Vineland 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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