Total monthly cost of ownership
Cost to Own a Home in Brass Castle, New Jersey
A $420,000 home here costs
$3,723per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $2,159. The real number is $1,564 higher every month — 72% more than the payment most buyers budget for.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Brass Castle against Warren County and New Jersey
| Measure | Brass Castle | Warren County |
|---|---|---|
| Median home value | $419,600 | $323,100 |
| Median property tax | $10,001 | $8,156 |
| Effective tax rate | 2.383% | 2.524% |
| Median gross rent | — | $1,368 |
| Population | 1,844 | 110,238 |
The weather behind that power bill
Brass Castle sits in Warren County, which averages a high of 84.1°F in its hottest month and a low of 18.0°F in its coldest, with 48.21" of precipitation a year and 29% of it in a single three-month stretch. That climate drives 650 cooling and 6,050 heating degree days, which is what sets the $209 electricity line above.
See the full climate breakdown for Warren County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Warren County
Full Warren County cost breakdown · Every county in New Jersey
Common questions
How much does it cost to own a home in Brass Castle?
A $420,000 home in Brass Castle, New Jersey costs approximately $3,723 per month with 20% down at 6.66%. That is $2,159 principal and interest, $834 property tax, $103 homeowners insurance, $277 utilities and $350 set aside for maintenance.
What is the property tax rate in Brass Castle?
Brass Castle has an effective property tax rate of 2.383%, based on a median home value of $419,600 and median real estate taxes of $10,001. That is lower than the Warren County average of 2.524%.
What is the average home price in Brass Castle?
The median owner-occupied home value in Brass Castle, New Jersey is $419,600, against $323,100 across Warren County.
Is it cheaper to rent or buy in Brass Castle?
Rent data is not published for Brass Castle at this level of detail.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Brass Castle — US Census Bureau, American Community Survey ACS 2023 5-Year, place-level tables.
- Homeowners insurance — NAIC average premium for New Jersey.
- Electricity price — EIA Electric Power Monthly Table 5.6.A.
- Mortgage rate — Freddie Mac PMMS, refreshed weekly.
- Maintenance (1%/yr) and water and sewer ($68/mo) are national estimates. Every assumption above is editable.