Total monthly cost of ownership
Cost to Own a Home in Deans, New Jersey
A $713,000 home here costs
$5,545per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $3,666. The real number is $1,880 higher every month — 51% 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.
Deans against Middlesex County and New Jersey
| Measure | Deans | Middlesex County |
|---|---|---|
| Median home value | $712,700 | $439,300 |
| Median property tax | $10,001 | $9,684 |
| Effective tax rate | 1.403% | 2.204% |
| Median gross rent | — | $1,810 |
| Population | 1,166 | 861,535 |
The weather behind that power bill
Deans sits in Middlesex County, which averages a high of 86.5°F in its hottest month and a low of 22.9°F in its coldest, with 49.53" of precipitation a year and 29% of it in a single three-month stretch. That climate drives 1,037 cooling and 5,101 heating degree days, which is what sets the $209 electricity line above.
See the full climate breakdown for Middlesex County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Middlesex County
Full Middlesex County cost breakdown · Every county in New Jersey
Common questions
How much does it cost to own a home in Deans?
A $713,000 home in Deans, New Jersey costs approximately $5,545 per month with 20% down at 6.66%. That is $3,666 principal and interest, $834 property tax, $175 homeowners insurance, $277 utilities and $594 set aside for maintenance.
What is the property tax rate in Deans?
Deans has an effective property tax rate of 1.403%, based on a median home value of $712,700 and median real estate taxes of $10,001. That is lower than the Middlesex County average of 2.204%.
What is the average home price in Deans?
The median owner-occupied home value in Deans, New Jersey is $712,700, against $439,300 across Middlesex County.
Is it cheaper to rent or buy in Deans?
Rent data is not published for Deans at this level of detail.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Deans — 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.