How much do homeowners pay a month in Caldwell Borough, NJ?

Name: Homeowner costs in Caldwell Borough, NJ, 2020–2024
Creator: US Census Bureau
License: https://www.census.gov/data/developers/about/terms-of-service.html

Homeowners with a mortgage in Caldwell Borough, NJ pay a median of $3,626 (±$184) a month in selected owner costs (2020–2024 American Community Survey).

Owners without a mortgage pay $1,500 or more.

72.4% of owned homes carry a mortgage.

In Caldwell Borough, the median monthly cost with a mortgage went from $3,205 in 2015–2019 to $3,626 in 2020–2024 (+13.1%).

Prices (CPI-U) rose 22.7% over the same years, so it rose more slowly than prices: a measurable decrease after inflation.

Figures last updated on November 12, 2026.

With a mortgage: $3,626 (±$184)
Without a mortgage: $1,500 or more
Owned with a mortgage: 72.4%

Monthly owner costs in Caldwell Borough

Median selected monthly owner costs, estimate (90% margin of error)
	Caldwell Borough	Essex County	New Jersey	United States
With a mortgage	$3,626 (±$184)	$3,322 (±$46)	$2,829 (±$8)	$1,963
Without a mortgage	$1,500 or more	$1,500 or more	$1,232 (±$6)	$638
Owned homes with a mortgage	72.4% (±8.4 points)	68.3% (±0.9 points)	63.9% (±0.2 points)	60.6%
Median real estate taxes (a year)	$10,000 or more	$10,000 or more	$9,590 (±$25)	$3,119

Selected monthly owner costs are the mortgage payment, property taxes, insurance, utilities, fuels and any condominium or mobile-home fees.

In Caldwell Borough, the median cost with a mortgage is higher than in Essex County ($3,322).

It is also higher than in New Jersey ($2,829).

It is higher than the national figure ($1,963).

In Essex County, Caldwell Borough ranks 11 of 22 places with a published estimate, from highest to lowest median monthly cost with a mortgage.

Statewide, it ranks 104 of 560.

Rankings use the estimates alone; where margins of error overlap, neighboring ranks may not truly differ.

How owner costs in Caldwell Borough have changed since 2015–2019

2015–2019 and 2020–2024 American Community Survey 5-year estimates
	2015–2019	2020–2024	Amount of change	Verdict
Median owner cost with a mortgage	$3,205 (±$130)	$3,626 (±$184)	+13.1%	Down after inflation
Median home value	$466,700 (±$21,366)	$575,400 (±$36,462)	+23.3%	No measurable change after inflation

The Census Bureau publishes 2015–2019 dollars in 2019 dollars and 2020–2024 dollars in 2024 dollars.

Prices (the CPI-U, US Bureau of Labor Statistics) rose 22.7% between 2019 and 2024, so a dollar figure’s verdict compares the two after raising the earlier one by that much, using the Census Bureau’s test for a difference.

The two periods do not overlap, as the Census Bureau recommends for 5-year estimates.

Median monthly cost with a mortgage in places near Caldwell Borough

Nearest places with a published estimate, compared with Caldwell Borough
Place	Distance	Median monthly cost with a mortgage	Compared with this place
Caldwell Borough	—	$3,626 (±$184)	—
Essex Fells Borough	0.8 mi	$4,000 or more	—
West Caldwell Township	1.1 mi	$3,503 (±$176)	Not measurably different
Verona Township	1.8 mi	$3,615 (±$185)	Not measurably different
North Caldwell Borough	2.0 mi	$4,000 or more	—
Roseland Borough	2.1 mi	$3,766 (±$545)	Not measurably different
Pleasantdale	2.4 mi	$3,076 (±$318)	Lower
Cedar Grove Township	2.8 mi	$3,417 (±$170)	Not measurably different
Fairfield Township (Essex County)	3.3 mi	$3,721 (±$191)	Not measurably different

Nearby places with a measurably lower figure: Pleasantdale, NJ ($3,076).

Distance is measured in a straight line between the Census Bureau’s internal points for each place.

Median monthly cost with a mortgage across Essex County, place by place

Rank	Place	Median monthly cost with a mortgage
1 (tie)	Montclair Township	$4,000 or more
1 (tie)	North Caldwell Borough	$4,000 or more
1 (tie)	South Orange Village	$4,000 or more
8	Maplewood Township	$3,979 (±$196)
9	Roseland Borough	$3,766 (±$545)
10	Fairfield Township (Essex County)	$3,721 (±$191)
11	Caldwell Borough	$3,626 (±$184)
12	Verona Township	$3,615 (±$185)
13	West Orange Township	$3,567 (±$100)
14	West Caldwell Township	$3,503 (±$176)
15	Cedar Grove Township	$3,417 (±$170)
16	Nutley Township	$3,245 (±$147)
17	Bloomfield Township	$3,167 (±$121)

Showing 13 of 22 places in Essex County, ranked from highest to lowest.

Survey years: 2020–2024 (American Community Survey 5-year estimates), compared with 2015–2019.

Margins of error are at the 90% confidence level.

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Questions about Caldwell Borough

What is the average mortgage payment in Caldwell Borough?

The Census Bureau publishes total owner costs rather than the mortgage alone: the median for owners with a mortgage in Caldwell Borough, NJ is $3,626 (±$184) a month, including taxes, insurance and utilities.

How much does it cost to own a paid-off home in Caldwell Borough?

Owners without a mortgage in Caldwell Borough pay a median of $1,500 or more a month in taxes, insurance, utilities and fees.

Has the cost of owning a home in Caldwell Borough gone up?

In Caldwell Borough, the median monthly cost with a mortgage went from $3,205 in 2015–2019 to $3,626 in 2020–2024 (+13.1%).

Prices (CPI-U) rose 22.7% over the same years, so it rose more slowly than prices: a measurable decrease after inflation.

Sources

To check these figures in the Census Bureau’s own API, request the variables below from the 2024 ACS 5-year data profile (acs/acs5/profile) and detailed tables (acs/acs5) for Caldwell borough, Essex County, New Jersey (county subdivision:09250, in state:34 county:013).

Each estimate (E or PE) has a margin of error beside it (M or PM).

The 2015–2019 figures are B25088_002E, B25088_002M, B25103_001E, B25103_001M, B25077_001E, B25077_001M from the 2019 release.

The API needs a free key.

Request a Census API key.

DP04_0101E, DP04_0101M, DP04_0109E, DP04_0109M, DP04_0091PE, DP04_0091PM, B25103_001E, B25103_001M

This product uses the Census Bureau Data API but is not endorsed or certified by the Census Bureau.

Figures are published by the US Census Bureau, HUD, the Bureau of Labor Statistics and the FBI; Seayora reproduces them and does not adjust them, except where a sentence says it compares dollar figures after inflation. They describe the whole place, not any one building or street, and are not an appraisal, a rent determination, a tax bill, a safety rating or legal advice.