Check Latest Mortgage Rates for Jersey City in April 2026
Jersey City is a significant urban market in New Jersey, the United States, with a median home price of approximately $575,000. Below you'll find the latest estimated mortgage rates for Jersey City, updated daily to reflect current lending conditions. Use these rates alongside our free calculators to estimate your monthly payment, compare loan types, and plan your home purchase or refinance with confidence.
Jersey City Mortgage Rates
Estimated rates as of 2026-04-04
| Product | Rate | APR | Points | Monthly / $100K |
|---|---|---|---|---|
| 30-Year Fixed | 6.85% | 6.97% | 0.7 | $655 |
| 15-Year Fixed | 6.10% | 6.20% | 0.5 | $849 |
| 5/1 ARM | 6.35% | 6.50% | 0.4 | $622 |
| FHA 30-Year | 6.55% | 6.73% | 0.3 | $635 |
| VA 30-Year | 6.25% | 6.33% | 0.0 | $616 |
| Jumbo 30-Year | 7.05% | 7.15% | 0.8 | $669 |
Rates shown are estimated averages based on current market conditions and may vary by lender, credit score, loan amount, and property type. Contact a licensed mortgage professional for personalized rate quotes.
Jersey City Mortgage Market Overview
The Jersey City housing market in New Jersey represents a well-established lending market in the United States. With a median home price of $575,000, buyers in Jersey City have access to a range of mortgage products from both national and local lenders.
Jersey City's housing market offers a balance of urban amenities and relatively competitive lending, with multiple banks, credit unions, and online lenders actively serving the area. Buyers typically find a healthy mix of conventional, FHA, and VA loan options at competitive rates.
When comparing mortgage rates in Jersey City, remember that your actual rate depends on several factors including your credit score, down payment amount, debt-to-income ratio, and the property type. Rates shown on this page reflect market-wide averages and may differ from the specific rate you're offered.
For the most accurate picture of your mortgage costs in Jersey City, New Jersey, we recommend using our free mortgage payment calculator alongside these rates. This combination gives you a realistic understanding of both the interest rate landscape and your actual monthly payment obligation.
Frequently Asked Questions About Mortgages in Jersey City
Mortgage rates in Jersey City, New Jersey are updated daily on this page. As of today, rates vary by loan type — for example, fixed-rate mortgages and adjustable-rate products will have different rates. Scroll up to our rate table for the most current figures. Remember that individual lender quotes may differ based on your credit profile and loan amount.
With a median home price of $575,000 in Jersey City, a conventional 20% down payment would be approximately $115,000. However, many loan programs require less — FHA loans allow as little as 3.5% down ($20,125), and VA loans often require zero down payment for eligible veterans.
The median home price in Jersey City is approximately $575,000. This figure includes single-family homes, condos, and townhomes across the Jersey City metropolitan area. Prices can vary significantly by neighborhood — use our Mortgage Affordability Calculator to determine how much home you can comfortably afford based on your specific income and expenses.
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Use current Jersey City rates with our free mortgage calculator to see your exact monthly payment, interest costs, and amortization schedule.