How much do homeowners pay a month in Middletown Township, NJ?

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

Homeowners with a mortgage in Middletown Township, NJ pay a median of $3,107 (±$98) a month in selected owner costs (2020–2024 American Community Survey).

Owners without a mortgage pay $1,357 (±$69).

67.2% of owned homes carry a mortgage.

In Middletown Township, the median monthly cost with a mortgage went from $2,751 in 2015–2019 to $3,107 in 2020–2024 (+12.9%).

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: $3,107 (±$98)
Without a mortgage: $1,357 (±$69)
Owned with a mortgage: 67.2%

Monthly owner costs in Middletown Township

Median selected monthly owner costs, estimate (90% margin of error)
	Middletown Township	Monmouth County	New Jersey	United States
With a mortgage	$3,107 (±$98)	$3,070 (±$36)	$2,829 (±$8)	$1,963
Without a mortgage	$1,357 (±$69)	$1,342 (±$19)	$1,232 (±$6)	$638
Owned homes with a mortgage	67.2% (±2.7 points)	64.0% (±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 Middletown Township, the median cost with a mortgage is not measurably different from Monmouth County ($3,070).

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

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

In Monmouth County, Middletown Township ranks 27 of 53 places with a published estimate, from highest to lowest median monthly cost with a mortgage.

Statewide, it ranks 201 of 560.

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

How owner costs in Middletown Township 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	$2,751 (±$66)	$3,107 (±$98)	+12.9%	Down after inflation
Median home value	$425,300 (±$9,100)	$608,300 (±$14,305)	+43.0%	Up 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 Middletown Township

Nearest places with a published estimate, compared with Middletown Township
Place	Distance	Median monthly cost with a mortgage	Compared with this place
Middletown Township	—	$3,107 (±$98)	—
Atlantic Highlands Borough	2.8 mi	$3,241 (±$162)	Not measurably different
Fair Haven Borough	3.4 mi	$4,000 or more	—
Red Bank Borough	3.9 mi	$2,809 (±$139)	Lower
Highlands Borough	4.4 mi	$2,940 (±$248)	Not measurably different
Rumson Borough	4.6 mi	$4,000 or more	—
Little Silver Borough	5.1 mi	$4,000 or more	—
Hazlet Township	5.3 mi	$2,797 (±$79)	Lower
Shrewsbury Borough	5.5 mi	$3,782 (±$312)	Higher

Nearby places with a measurably lower figure: Red Bank Borough, NJ ($2,809), Hazlet Township, NJ ($2,797).

Nearby places with a measurably higher figure: Shrewsbury Borough, NJ ($3,782).

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

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

Rank	Place	Median monthly cost with a mortgage
21	Manalapan Township	$3,251 (±$134)
22	Atlantic Highlands Borough	$3,241 (±$162)
23	Oceanport Borough	$3,224 (±$250)
24	Interlaken Borough	$3,196 (±$247)
25	Wall Township	$3,162 (±$99)
26	Ocean Township (Monmouth County)	$3,118 (±$130)
27	Middletown Township	$3,107 (±$98)
28	Belmar Borough	$3,096 (±$322)
29	West Long Branch Borough	$3,076 (±$311)
30	Lake Como Borough	$3,065 (±$256)
31	Spring Lake Heights Borough	$2,971 (±$268)
32	Matawan Borough	$2,952 (±$310)
33	Highlands Borough	$2,940 (±$248)

Showing 13 of 53 places in Monmouth County, ranked from highest to lowest.

The figures for Middletown Township include the places inside it that have pages of their own: Belford, Fairview, Leonardo, Lincroft, Navesink, North Middletown, Port Monmouth.

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 Middletown Township

What is the average mortgage payment in Middletown Township?

The Census Bureau publishes total owner costs rather than the mortgage alone: the median for owners with a mortgage in Middletown Township, NJ is $3,107 (±$98) a month, including taxes, insurance and utilities.

How much does it cost to own a paid-off home in Middletown Township?

Owners without a mortgage in Middletown Township pay a median of $1,357 (±$69) a month in taxes, insurance, utilities and fees.

Has the cost of owning a home in Middletown Township gone up?

In Middletown Township, the median monthly cost with a mortgage went from $2,751 in 2015–2019 to $3,107 in 2020–2024 (+12.9%).

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 Middletown township, Monmouth County, New Jersey (county subdivision:45990, in state:34 county:025).

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.