Mortgage Rates in Bridgeton, New Jersey — March 2026
Updated March 2026 | Based on Bridgeton market data and regional lending conditions
Bridgeton is a growing city in New Jersey with a population of 24,706. The current 30-year fixed mortgage rate in Bridgeton is 6.25%, which is 0.4% below the national average. With a median home price of $135,000 and a 20% down payment of $27,000, homebuyers can expect a monthly principal and interest payment of approximately $665.
Current Mortgage Rates in Bridgeton, NJ
Below are the current average mortgage rates available in the Bridgeton area as of March 2026. Rates vary by lender, credit score, and loan-to-value ratio. Use our free calculator above to see your personalized estimate.
| Loan Type | Rate | National Avg | Difference |
|---|---|---|---|
| 30-Year Fixed | 6.25% | 6.65% | -0.4% |
| 15-Year Fixed | 5.49% | 5.89% | -0.4% |
| 5/1 ARM | 5.75% | 6.15% | -0.4% |
| FHA | 5.85% | 6.25% | -0.4% |
| VA | 5.65% | 6.05% | -0.4% |
| Jumbo | 6.45% | 6.85% | -0.4% |
Bridgeton Housing Market Overview
The Bridgeton housing market offers relatively affordable housing compared to many major cities. The median household income in Bridgeton is $28,000, and the cost of living index is 92 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $39,129 to comfortably afford the median-priced home in Bridgeton, which exceeds the current median household income.
Monthly Payment Breakdown for Bridgeton
Based on the median home price of $135,000 with 20% down ($27,000), here is what you can expect to pay monthly in Bridgeton:
15-Year vs. 30-Year Mortgage in Bridgeton
Choosing a 15-year mortgage in Bridgeton at 5.49% instead of a 30-year at 6.25% would save you $80,640 in total interest over the life of the loan. However, your monthly payment would be $882 instead of $665 — an increase of $217 per month.
Calculate Your Bridgeton Mortgage Payment
Use our free calculator to get a personalized estimate based on your loan amount, interest rate, and term.
Open Free CalculatorFrequently Asked Questions About Mortgages in Bridgeton
What are the current mortgage rates in Bridgeton, NJ?
As of March 2026, the average 30-year fixed mortgage rate in Bridgeton, New Jersey is 6.25%, while the 15-year fixed rate is 5.49%. FHA loans average 5.85% and VA loans 5.65%. These rates are 0.4% below the national average of 6.65%.
How much is a monthly mortgage payment in Bridgeton?
Based on the median home price of $135,000 with 20% down, the estimated monthly mortgage payment in Bridgeton is $665 for principal and interest. Including property taxes of $248/month, the total monthly housing cost is approximately $913.
What income do I need to buy a home in Bridgeton?
Using the 28% rule, you would need an annual income of approximately $39,129 to afford the median-priced home in Bridgeton at $135,000. The median household income in Bridgeton is $28,000. This means most households would need to either earn above the median or consider homes below $135,000.
Is Bridgeton a good place to buy a home in 2026?
Bridgeton offers a below-average cost of living with a cost of living index of 92 (national average = 100). The property tax rate in New Jersey is 2.2%, which is above the national average. Bridgeton has a population of 24,706 and offers a very affordable lifestyle.
Mortgage Rates in Other New Jersey Cities
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Last updated: March 2026. Rates are approximate averages based on regional lending data for the Bridgeton, New Jersey area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.