Total monthly cost of ownership
Cost to Own a Home in Brigantine, New Jersey
A $485,000 home here costs
$3,817per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $2,493. The real number is $1,324 higher every month — 53% 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.
Brigantine against Atlantic County and New Jersey
| Measure | Brigantine | Atlantic County |
|---|---|---|
| Median home value | $485,000 | $272,700 |
| Median property tax | $6,283 | $6,749 |
| Effective tax rate | 1.295% | 2.475% |
| Median gross rent | $1,499 | $1,325 |
| Population | 7,702 | 274,704 |
The weather behind that power bill
Brigantine sits in Atlantic County, which averages a high of 86.6°F in its hottest month and a low of 25.1°F in its coldest, with 45.96" of precipitation a year and 28% of it in a single three-month stretch. That climate drives 1,136 cooling and 4,701 heating degree days, which is what sets the $209 electricity line above.
See the full climate breakdown for Atlantic County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Atlantic County
Full Atlantic County cost breakdown · Every county in New Jersey
Common questions
How much does it cost to own a home in Brigantine?
A $485,000 home in Brigantine, New Jersey costs approximately $3,817 per month with 20% down at 6.66%. That is $2,493 principal and interest, $523 property tax, $119 homeowners insurance, $277 utilities and $404 set aside for maintenance.
What is the property tax rate in Brigantine?
Brigantine has an effective property tax rate of 1.295%, based on a median home value of $485,000 and median real estate taxes of $6,283. That is lower than the Atlantic County average of 2.475%.
What is the average home price in Brigantine?
The median owner-occupied home value in Brigantine, New Jersey is $485,000, against $272,700 across Atlantic County.
Is it cheaper to rent or buy in Brigantine?
Median gross rent in Brigantine is $1,499 a month, against $3,817 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Brigantine — 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.