Total monthly cost of ownership
Cost to Own a Home in Seabrook Farms, New Jersey
A $255,000 home here costs
$2,383per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,311. The real number is $1,072 higher every month — 82% 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.
Seabrook Farms against Cumberland County and New Jersey
| Measure | Seabrook Farms | Cumberland County |
|---|---|---|
| Median home value | $255,300 | $205,600 |
| Median property tax | $6,250 | $5,048 |
| Effective tax rate | 2.448% | 2.455% |
| Median gross rent | $1,046 | $1,254 |
| Population | 1,469 | 152,915 |
The weather behind that power bill
Seabrook Farms sits in Cumberland County, which averages a high of 86.1°F in its hottest month and a low of 23.8°F in its coldest, with 43.37" of precipitation a year and 29% of it in a single three-month stretch. That climate drives 1,050 cooling and 4,933 heating degree days, which is what sets the $209 electricity line above.
See the full climate breakdown for Cumberland County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Cumberland County
Full Cumberland County cost breakdown · Every county in New Jersey
Common questions
How much does it cost to own a home in Seabrook Farms?
A $255,000 home in Seabrook Farms, New Jersey costs approximately $2,383 per month with 20% down at 6.66%. That is $1,311 principal and interest, $520 property tax, $62 homeowners insurance, $277 utilities and $213 set aside for maintenance.
What is the property tax rate in Seabrook Farms?
Seabrook Farms has an effective property tax rate of 2.448%, based on a median home value of $255,300 and median real estate taxes of $6,250. That is in line with the Cumberland County average of 2.455%.
What is the average home price in Seabrook Farms?
The median owner-occupied home value in Seabrook Farms, New Jersey is $255,300, against $205,600 across Cumberland County.
Is it cheaper to rent or buy in Seabrook Farms?
Median gross rent in Seabrook Farms is $1,046 a month, against $2,383 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 Seabrook Farms — 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.