Average mortgage payment in Cumberland County, NJ (2026)
The average mortgage payment in Cumberland County on a median-priced home (~$520,000) is roughly $4,678/month — assuming 10% down at a 6.85% 30-year fixed rate and New Jersey's 2.49% effective property tax rate (full PITI).
To carry that payment under the standard 28% front-end DTI rule, you'd need an annual household income near $200,469. County population is roughly 154,152.
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How Cumberland County compares to New Jersey
The typical home in Cumberland County is 1% below the statewide median of $525,000 in New Jersey. Property tax is set at the state's effective rate of 2.49% — local millage and special assessments vary by county, but this is the right starting point.
The payment above bakes in principal, interest, property tax, and homeowners insurance — it does not include HOA dues or mortgage insurance (PMI). PMI kicks in automatically when down payment is below 20% on a conventional loan. For a full breakdown, run your own numbers in the main calculator.
Frequently asked questions
What is the average mortgage payment in Cumberland County?+
On a median Cumberland County home (~$520,000) at a 6.85% 30-year fixed rate with 10% down, all-in PITI runs about $4,678/month, including ~$1,079 in property tax.
What income do I need to buy a home in Cumberland County?+
Using the 28% front-end DTI rule, you'd need roughly $200,469 in annual gross household income to comfortably carry the median Cumberland County home.
How does Cumberland County compare to the rest of New Jersey?+
Cumberland County's median home ($520,000) is 1% below the New Jersey median of $525,000.
Does this include HOA fees or PMI?+
No. HOA dues vary too widely to assume a default — add them directly to the payment. PMI applies when you put less than 20% down on a conventional loan; the main calculator factors it in automatically.