Total monthly cost of ownership
Cost to Own a Home in Upper Pohatcong, New Jersey
A $238,000 home here costs
$2,331per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,224. The real number is $1,108 higher every month — 91% 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.
Upper Pohatcong against Warren County and New Jersey
| Measure | Upper Pohatcong | Warren County |
|---|---|---|
| Median home value | $238,400 | $323,100 |
| Median property tax | $6,897 | $8,156 |
| Effective tax rate | 2.893% | 2.524% |
| Median gross rent | $1,556 | $1,368 |
| Population | 1,851 | 110,238 |
The weather behind that power bill
Upper Pohatcong 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 Upper Pohatcong?
A $238,000 home in Upper Pohatcong, New Jersey costs approximately $2,331 per month with 20% down at 6.66%. That is $1,224 principal and interest, $574 property tax, $58 homeowners insurance, $277 utilities and $198 set aside for maintenance.
What is the property tax rate in Upper Pohatcong?
Upper Pohatcong has an effective property tax rate of 2.893%, based on a median home value of $238,400 and median real estate taxes of $6,897. That is higher than the Warren County average of 2.524%.
What is the average home price in Upper Pohatcong?
The median owner-occupied home value in Upper Pohatcong, New Jersey is $238,400, against $323,100 across Warren County.
Is it cheaper to rent or buy in Upper Pohatcong?
Median gross rent in Upper Pohatcong is $1,556 a month, against $2,331 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 Upper Pohatcong — 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.