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Compare Camden, NJ mortgage rates and fees from top lenders. Review free, personalized mortgage rates based on your specifc loan amount, program and other factors. Easily compare APRs, closing costs and monthly payments to find the lowest mortgage rates in Camden.
We recommend that you contact at least five lenders as shopping multiple lenders is the best way to save money on your mortgage in Camden. Plus, shopping lenders is free and there is no obligation.
Loan terms assume conforming mortgage amount on single family residence, 80% LTV ratio and minimum borrower credit score of 740. $150,000 minimum mortgage amount. Borrower is responsible for $1,055 lender fee. Loan terms are subject to change without notice.
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Compare Today's Camden, NJ Mortgage Rates
December 26, 2024
Current mortgage rates in Camden, NJ are % for a 30 year fixed rate loan, % for a 15 year fixed loan and % for a 5/1 adjustable rate mortgage (ARM)
Mortgage Program
Today's Camden, NJ Rates
National Average
Comparison
30 Year Fixed Rate
%
6.670%
15 Year Fixed Rate
%
5.960%
5/1 Adjustable Rate Mortgage
%
6.250%
How Affordable is Housing in Camden, New Jersey?
Below we provide helpful information on the real estate market, home prices and housing affordability in Camden. Understand how much you need to earn to afford a home in Camden, including the mortgage you need to qualify for. Review the monthy payment so you can determine if owning a house in Camden fits your budget. This information is based on proprietary analysis you can only find on FREEandCLEAR and we offer it to help you decide if living in Camden is right for you.
The median home value for Camden, NJ is $274,777
Based on current mortgage rates and a 10% down payment, you need to make $57,323 per year to buy the median priced home in Camden
With this income, you could qualify for a $247,299 mortgage, assuming your monthly debt expense is reasonable
Based on this loan amount, the monthly mortgage payment required to buy the median priced home in Camden is $1,328
The median household income for Camden, NJ is $79,491
Based on this income, you can afford a home valued at approximately $381,039
The home price you can afford to buy based on household income in Camden is 139% of the median home value which means housing prices are average.
Camden ranks 4 out of 21 counties in New Jersey and 2,152 out of 3,142 counties in the United States for housing affordability.
According to the FREEandCLEAR Housing Affordability Index, the housing market in Camden, NJ is average
Loan Limits for Camden, New Jersey
Mortgage limits affect your loan terms, mortgage program eligibility and what price home you can afford. Review the loan limits for Camden below.
Conforming loan limits for Camden, NJ
1 unit:$726,200
2 units:$929,850
3 units:$1,123,900
4 units:$1,396,800
FHA loan limits for Camden, NJ
1 unit:$529,000
2 units:$677,200
3 units:$818,600
4 units:$1,017,300
VA loan limits for Camden, NJ
1 unit:$726,200
Additional Mortgage Resources for Camden, NJ Residents