Middlesex County, New Jersey: What It Costs to Buy a Home
The median home in Middlesex County is worth $439,300, property taxes on it run about $9,684 a year (2.2%), the FHA loan limit is $1,249,125, and closing on it means about $4,827 in transfer tax plus $1,992 in title insurance. Each number below opens its own page with the source and a calculator.
| Median home value | $439,300 | Title insurance at this price → |
|---|---|---|
| Property taxes (median paid) | $9,684 a year, 2.2% of value | Property tax page → |
| FHA loan limit (1 unit) | $1,249,125 | Loan limits page → |
| Conforming loan limit (1 unit) | $1,209,750 | Loan limits page → |
| Transfer tax on the median home | $4,827 | New Jersey transfer tax page → |
| Title insurance on the median home | $1,967 owner's + $25 lender's | Title insurance page → |
| Recording fees (deed + mortgage) | $230 | Recording fees page → |
| Closing costs from these items | $7,049 | Closing costs page → |
| Area median income (HUD, family of 4) | $154,800; low-income limit $114,600 | Income limits page → |
Frequently asked questions
How much do homes cost in Middlesex County?
The median owner-occupied home in Middlesex County is valued at $439,300, per U.S. Census Bureau, ACS 2019-2023 five-year estimates, table B25077 (median value of owner-occupied housing units).
How much are property taxes in Middlesex County?
The median Middlesex County homeowner pays $9,684 a year in real estate taxes, about 2.2% of the median home value ($9,783 for homes with a mortgage), per the Census Bureau's American Community Survey.
What is the FHA loan limit in Middlesex County?
$1,249,125 for a one-unit home in 2026 (a high-cost limit above the national floor), per HUD; the conforming limit for Fannie Mae and Freddie Mac loans is $1,209,750, per FHFA.
What does it cost to close on a home in Middlesex County?
On the $439,300 median home: transfer tax $4,827, title insurance $1,992 for both policies, recording fees about $230, about $7,049 for those items before lender fees, prepaid taxes and insurance.
What is the area median income in Middlesex County?
HUD's FY 2026 median family income for Middlesex County (Middlesex-Somerset-Hunterdon, NJ HUD Metro FMR Area) is $154,800. A family of four counts as low income below $114,600 under HUD's 80% tier (adjusted for local housing costs, so it can sit above 80% of the median), which is the line many first-time buyer assistance programs use.
Nearby New Jersey counties
- Hudson County $508,600
- Hunterdon County $498,800
- Mercer County $351,000
- Monmouth County $566,500
- Morris County $557,000
- Ocean County $366,600
Sources
- U.S. Census Bureau, ACS 2019-2023 five-year estimates, table B25077 (median value of owner-occupied housing units)
- U.S. Census Bureau, ACS 2019-2023 five-year estimates, table B25103 (median real estate taxes paid)
- HUD, FHA forward mortgage loan limits for calendar year 2026 (CHUMS county limits file, Mortgagee Letter 2025-23)
- FHFA, conforming loan limits for mortgages acquired in calendar year 2026, by county
Figures are computed from the documents above and rounded to the dollar. All sources.
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General information, not financial, tax or legal advice. Figures are medians and schedule computations, not quotes.
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