The typical owner-occupied home in Hudson County is worth about $539,700, 19% above the New Jersey median of $454,400 and 62% above the national median of $332,700. Owners pay a median $9,555 a year in property taxes, about 1.77% of their home's value, lower than the New Jersey rate of 2.11%. The median household earns $91,795 a year, so the median home costs 5.9 times the median income (4.4 times for New Jersey). 31% of occupied homes here are lived in by their owners, and 66% of those owners still have a mortgage.
Hudson County at a glance
| Hudson County | New Jersey | U.S. | |
|---|---|---|---|
| Median home value | $539,700 | $454,400 | $332,700 |
| Median property tax paid per year | $9,555 | $9,590 | $3,119 |
| Property tax as a share of value | 1.77% | 2.11% | 0.94% |
| Median household income | $91,795 | $103,556 | $80,734 |
| Homes lived in by their owners | 31% | 64% | 65% |
| Owner homes with a mortgage | 66% | 64% | 61% |
| Median monthly costs, owners with a mortgage | $3,300 | $2,829 | $1,963 |
| Those costs as a share of the owners' income | 24.2% | 22.9% | 21.0% |
| Median rent | $1,894 | $1,720 | $1,413 |
| Rent as a share of renters' income | 28.5% | 30.9% | 30.6% |
| Median year homes were built | 1966 | 1970 | 1980 |
| Vacant homes | 6.6% | 7.5% | 10.1% |
| Population | 718,323 | 9,343,809 | 334,922,499 |
What a typical home costs per month in Hudson County
At this week's average 30-year rate of 7.11%, buying the median Hudson County home of $539,700 with 20% down costs about $3,925 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $4,824, 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 $168,232 for the 20%-down payment. That payment is 51% of the median Hudson County household income of $91,795; at that income and 20% down, the 28% guideline points to a home of about $294,000.
The median rent here is $1,894 a month, so owning the median home costs about $2,031 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $107,940 |
|---|---|
| Loan amount | $431,760 |
| Principal and interest | $2,904 |
| Property taxes (1.77% a year) | $796 |
| Homeowners insurance (our estimate, 0.5% a year) | $225 |
| PMI | $0 |
| Total per month | $3,925 |
Change the numbers in the calculator
| Down payment | $18,890 |
|---|---|
| Loan amount | $529,925 |
| Principal and interest | $3,565 |
| Property taxes (1.77% a year) | $796 |
| Homeowners insurance (our estimate, 0.5% a year) | $225 |
| FHA mortgage insurance | $239 |
| Total per month | $4,824 |
Change the numbers in the calculator
Questions about home buying in Hudson County
What is the median home value in Hudson County?
About $539,700 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Hudson County?
Homeowners pay a median $9,555 a year, which is about 1.77% 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 Hudson County?
For the median home with 20% down at 7.11%, the payment is about $3,925 a month. Keeping that under 28% of gross income takes about $168,232 a year.
More about Hudson County
- Mortgage Refinance in Hudson County
- Debt Relief in Hudson County
- Home Equity Loans in Hudson County
- 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