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

Name: Homeowner costs in Waterford 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 Waterford Township, NJ pay a median of $2,204 (±$145) a month in selected owner costs (2020–2024 American Community Survey).

Owners without a mortgage pay $1,091 (±$46).

71.2% of owned homes carry a mortgage.

In Waterford Township, the median monthly cost with a mortgage went from $1,898 in 2015–2019 to $2,204 in 2020–2024 (+16.1%).

Prices (CPI-U) rose 22.7% over the same years; the change is not measurably different from the rise in prices.

Figures last updated on November 12, 2026.

With a mortgage: $2,204 (±$145)
Without a mortgage: $1,091 (±$46)
Owned with a mortgage: 71.2%

Monthly owner costs in Waterford Township

Median selected monthly owner costs, estimate (90% margin of error)
	Waterford Township	Camden County	New Jersey	United States
With a mortgage	$2,204 (±$145)	$2,225 (±$24)	$2,829 (±$8)	$1,963
Without a mortgage	$1,091 (±$46)	$1,115 (±$18)	$1,232 (±$6)	$638
Owned homes with a mortgage	71.2% (±5.7 points)	65.1% (±1.0 points)	63.9% (±0.2 points)	60.6%
Median real estate taxes (a year)	$8,203 (±$226)	$8,134 (±$97)	$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 Waterford Township, the median cost with a mortgage is not measurably different from Camden County ($2,225).

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

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

In Camden County, Waterford Township ranks 17 of 34 places with a published estimate, from highest to lowest median monthly cost with a mortgage.

Statewide, it ranks 449 of 560.

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

How owner costs in Waterford 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	$1,898 (±$111)	$2,204 (±$145)	+16.1%	No measurable change after inflation
Median real estate taxes	$6,689 (±$266)	$8,203 (±$226)	+22.6%	No measurable change after inflation
Median home value	$205,100 (±$8,867)	$282,000 (±$16,205)	+37.5%	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 Waterford Township

Nearest places with a published estimate, compared with Waterford Township
Place	Distance	Median monthly cost with a mortgage	Compared with this place
Waterford Township	—	$2,204 (±$145)	—
Chesilhurst Borough	3.3 mi	$2,053 (±$154)	Not measurably different
Winslow Township	5.5 mi	$2,194 (±$90)	Not measurably different
Shamong Township	6.2 mi	$3,093 (±$205)	Higher
Hammonton Town	6.4 mi	$2,162 (±$198)	Not measurably different
Berlin Borough	7.0 mi	$2,841 (±$208)	Higher
Berlin Township	7.0 mi	$2,145 (±$409)	Not measurably different
Medford Lakes Borough	7.6 mi	$2,886 (±$182)	Higher
West Berlin	7.9 mi	$1,884 (±$133)	Lower

Nearby places with a measurably lower figure: West Berlin, NJ ($1,884).

Nearby places with a measurably higher figure: Shamong Township, NJ ($3,093), Berlin Borough, NJ ($2,841), Medford Lakes Borough, NJ ($2,886).

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

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

Rank	Place	Median monthly cost with a mortgage
11	Merchantville Borough	$2,318 (±$345)
12	Barrington Borough	$2,297 (±$110)
13	Audubon Borough	$2,225 (±$128)
14	Oaklyn Borough	$2,214 (±$133)
15	Stratford Borough	$2,212 (±$100)
16	Gloucester Township	$2,207 (±$44)
17	Waterford Township	$2,204 (±$145)
18	Winslow Township	$2,194 (±$90)
19	Berlin Township	$2,145 (±$409)
20	Mount Ephraim Borough	$2,084 (±$162)
21	Lawnside Borough	$2,082 (±$253)
22	Somerdale Borough	$2,065 (±$109)
23	Chesilhurst Borough	$2,053 (±$154)

Showing 13 of 34 places in Camden County, ranked from highest to lowest.

The figures for Waterford Township include the places inside it that have pages of their own: Atco.

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 Waterford Township

What is the average mortgage payment in Waterford Township?

The Census Bureau publishes total owner costs rather than the mortgage alone: the median for owners with a mortgage in Waterford Township, NJ is $2,204 (±$145) a month, including taxes, insurance and utilities.

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

Owners without a mortgage in Waterford Township pay a median of $1,091 (±$46) a month in taxes, insurance, utilities and fees.

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

In Waterford Township, the median monthly cost with a mortgage went from $1,898 in 2015–2019 to $2,204 in 2020–2024 (+16.1%).

Prices (CPI-U) rose 22.7% over the same years; the change is not measurably different from the rise in prices.

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 Waterford township, Camden County, New Jersey (county subdivision:77630, in state:34 county:007).

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.