The typical owner-occupied home in Stirling is worth about $695,300, 53% above the New Jersey median of $454,400 and 2.1 times the national median of $332,700. Owners pay a median $10,001 a year in property taxes, about 1.44% of their home's value, lower than the New Jersey rate of 2.11%. The median household earns $180,875 a year, so the median home costs 3.8 times the median income (4.4 times for New Jersey). 84% of occupied homes here are lived in by their owners, and 71% of those owners still have a mortgage.
Stirling at a glance
| Stirling | New Jersey | U.S. | |
|---|---|---|---|
| Median home value | $695,300 | $454,400 | $332,700 |
| Median property tax paid per year | $10,001 | $9,590 | $3,119 |
| Property tax as a share of value | 1.44% | 2.11% | 0.94% |
| Median household income | $180,875 | $103,556 | $80,734 |
| Homes lived in by their owners | 84% | 64% | 65% |
| Owner homes with a mortgage | 71% | 64% | 61% |
| Median monthly costs, owners with a mortgage | $3,906 | $2,829 | $1,963 |
| Those costs as a share of the owners' income | 24.9% | 22.9% | 21.0% |
| Median rent | $1,427 | $1,720 | $1,413 |
| Rent as a share of renters' income | 23.8% | 30.9% | 30.6% |
| Median year homes were built | 1978 | 1970 | 1980 |
| Vacant homes | 0.0% | 7.5% | 10.1% |
| Population | 2,599 | 9,343,809 | 334,922,499 |
What a typical home costs per month in Stirling
At this week's average 30-year rate of 7.11%, buying the median Stirling home of $695,300 with 20% down costs about $4,866 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $6,024, 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 $208,540 for the 20%-down payment. That payment is 32% of the median Stirling household income of $180,875; at that income and 20% down, the 28% guideline points to a home of about $603,000.
The median rent here is $1,427 a month, so owning the median home costs about $3,439 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $139,060 |
|---|---|
| Loan amount | $556,240 |
| Principal and interest | $3,742 |
| Property taxes (1.44% a year) | $834 |
| Homeowners insurance (our estimate, 0.5% a year) | $290 |
| PMI | $0 |
| Total per month | $4,866 |
Change the numbers in the calculator
| Down payment | $24,336 |
|---|---|
| Loan amount | $682,706 |
| Principal and interest | $4,593 |
| Property taxes (1.44% a year) | $834 |
| Homeowners insurance (our estimate, 0.5% a year) | $290 |
| FHA mortgage insurance | $308 |
| Total per month | $6,024 |
Change the numbers in the calculator
Questions about home buying in Stirling
What is the median home value in Stirling?
About $695,300 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Stirling?
Homeowners pay a median $10,001 a year, which is about 1.44% 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 Stirling?
For the median home with 20% down at 7.11%, the payment is about $4,866 a month. Keeping that under 28% of gross income takes about $208,540 a year.
More about Stirling
- Mortgage Refinance in Stirling
- Debt Relief in Stirling
- Home Equity Loans in Stirling
- 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