The typical owner-occupied home in Whitesboro is worth about $248,700, 45% below the New Jersey median of $454,400 and 25% below the national median of $332,700. Owners pay a median $5,148 a year in property taxes, about 2.07% of their home's value, close to the New Jersey rate of 2.11%. The median household earns $95,522 a year, so the median home costs 2.6 times the median income (4.4 times for New Jersey). 96% of occupied homes here are lived in by their owners, and 56% of those owners still have a mortgage.
Whitesboro at a glance
| Whitesboro | New Jersey | U.S. | |
|---|---|---|---|
| Median home value | $248,700 | $454,400 | $332,700 |
| Median property tax paid per year | $5,148 | $9,590 | $3,119 |
| Property tax as a share of value | 2.07% | 2.11% | 0.94% |
| Median household income | $95,522 | $103,556 | $80,734 |
| Homes lived in by their owners | 96% | 64% | 65% |
| Owner homes with a mortgage | 56% | 64% | 61% |
| Median monthly costs, owners with a mortgage | $1,988 | $2,829 | $1,963 |
| Those costs as a share of the owners' income | 15.6% | 22.9% | 21.0% |
| Median rent | – | $1,720 | $1,413 |
| Median year homes were built | 1987 | 1970 | 1980 |
| Vacant homes | 20.7% | 7.5% | 10.1% |
| Population | 2,766 | 9,343,809 | 334,922,499 |
What a typical home costs per month in Whitesboro
At this week's average 30-year rate of 7.11%, buying the median Whitesboro home of $248,700 with 20% down costs about $1,871 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $2,285, because the loan is bigger and FHA adds mortgage insurance.
Lenders usually want housing costs under about 28% of gross income, which means an income of roughly $80,188 for the 20%-down payment. That payment is 24% of the median Whitesboro household income of $95,522; at that income and 20% down, the 28% guideline points to a home of about $296,000.
| Down payment | $49,740 |
|---|---|
| Loan amount | $198,960 |
| Principal and interest | $1,338 |
| Property taxes (2.07% a year) | $429 |
| Homeowners insurance (our estimate, 0.5% a year) | $104 |
| PMI | $0 |
| Total per month | $1,871 |
Change the numbers in the calculator
| Down payment | $8,704 |
|---|---|
| Loan amount | $244,195 |
| Principal and interest | $1,643 |
| Property taxes (2.07% a year) | $429 |
| Homeowners insurance (our estimate, 0.5% a year) | $104 |
| FHA mortgage insurance | $110 |
| Total per month | $2,285 |
Change the numbers in the calculator
Questions about home buying in Whitesboro
What is the median home value in Whitesboro?
About $248,700 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Whitesboro?
Homeowners pay a median $5,148 a year, which is about 2.07% of the median home value. Your bill depends on your home's assessed value and local rates.
What income do you need to buy a home in Whitesboro?
For the median home with 20% down at 7.11%, the payment is about $1,871 a month. Keeping that under 28% of gross income takes about $80,188 a year.
More about Whitesboro
- Mortgage Refinance in Whitesboro
- Debt Relief in Whitesboro
- Home Equity Loans in Whitesboro
- Guides and quotes for mortgage refinance on our sister site, MortgageRefinance.com
Sources: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates; Freddie Mac Primary Mortgage Market Survey, week of November 12, 2026. Estimates for small places have wide margins of error. About our data