Total monthly cost of ownership
Cost to Own a Home in Yardville, New Jersey
A $326,000 home here costs
$3,059per month, all in, with 20% down at today's 7.32% 30-year fixed rate. By the 28% rule that takes a household income of about $131,000 a year.
A standard mortgage calculator would have told you $1,792. The real number is $1,268 higher every month, 71% more than the payment most buyers budget for.
Compare Mercer County with anywhere in America · full county breakdown
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Yardville against Mercer County and New Jersey
| Measure | Yardville | Mercer County |
|---|---|---|
| Median home value | $326,400 | $351,000 |
| Median property tax | $8,188 | $8,804 |
| Effective tax rate | 2.509% | 2.508% |
| Median gross rent | $1,614 | $1,515 |
| Population | 6,266 | 383,286 |
The weather behind that power bill
Yardville sits in Mercer County, which averages a high of 86.0°F in its hottest month and a low of 24.3°F in its coldest, with 45.63" of precipitation a year and 28% of it in a single three-month stretch. That climate drives 1,050 cooling and 4,977 heating degree days, which is what sets the $167 electricity line above.
See the full climate breakdown for Mercer County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Mercer County
Full Mercer County cost breakdown · Every county in New Jersey
Talk to someone who works this market
These are Yardville averages. What one specific house costs to own, or what it would sell for today, depends on the street and the condition of the place. We will connect you with one licensed local agent who works Yardville every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Yardville I already own here and may sell
Common questions
How much does it cost to own a home in Yardville?
A $326,000 home in Yardville, New Jersey costs approximately $3,059 per month with 20% down at 7.32%. That is $1,792 principal and interest, $682 property tax, $80 homeowners insurance, $235 utilities and $272 set aside for maintenance.
What is the property tax rate in Yardville?
Yardville has an effective property tax rate of 2.509%, based on a median home value of $326,400 and median real estate taxes of $8,188. That is in line with the Mercer County average of 2.508%.
What is the average home price in Yardville?
The median owner-occupied home value in Yardville, New Jersey is $326,400, against $351,000 across Mercer County.
Is it cheaper to rent or buy in Yardville?
Median gross rent in Yardville is $1,614 a month, against $3,059 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
What salary do you need to buy a home in Yardville?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Yardville, New Jersey at today's rate takes a household income of roughly $131,000 a year. That covers the full $3,059 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Yardville, 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.