Total monthly cost of ownership
Cost to Own a Home in Guttenberg, New Jersey
A $361,000 home here costs
$3,238per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,856. The real number is $1,382 higher every month — 74% 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.
Guttenberg against Hudson County and New Jersey
| Measure | Guttenberg | Hudson County |
|---|---|---|
| Median home value | $360,700 | $508,600 |
| Median property tax | $8,580 | $9,413 |
| Effective tax rate | 2.379% | 1.851% |
| Median gross rent | $1,661 | $1,811 |
| Population | 11,638 | 710,478 |
The weather behind that power bill
Guttenberg sits in Hudson County, which averages a high of 86.9°F in its hottest month and a low of 25.5°F in its coldest, with 46.6" of precipitation a year and 28% of it in a single three-month stretch. That climate drives 1,270 cooling and 4,701 heating degree days, which is what sets the $209 electricity line above.
See the full climate breakdown for Hudson County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Hudson County
Full Hudson County cost breakdown · Every county in New Jersey
Common questions
How much does it cost to own a home in Guttenberg?
A $361,000 home in Guttenberg, New Jersey costs approximately $3,238 per month with 20% down at 6.66%. That is $1,856 principal and interest, $716 property tax, $88 homeowners insurance, $277 utilities and $301 set aside for maintenance.
What is the property tax rate in Guttenberg?
Guttenberg has an effective property tax rate of 2.379%, based on a median home value of $360,700 and median real estate taxes of $8,580. That is higher than the Hudson County average of 1.851%.
What is the average home price in Guttenberg?
The median owner-occupied home value in Guttenberg, New Jersey is $360,700, against $508,600 across Hudson County.
Is it cheaper to rent or buy in Guttenberg?
Median gross rent in Guttenberg is $1,661 a month, against $3,238 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 Guttenberg — 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.