Español

Este sitio también está en español. Leer en español

City · 5,935 residents · Morris County, New Jersey

Mount Arlington , New Jersey

In Mount Arlington, a typical home is worth $422,900 and typical rent is $2,392 a month. Compared with all of Morris County, typical household income is 33% lower and the typical home value is 27% lower.

WhatsApp

  • Typical home value

    $422,900

    27% below the county

    7% below New Jersey

    • Mount Arlington
    • Morris
    • New Jersey

  • Typical rent

    $2,392a month

    26% above the county

    39% above New Jersey

    • Mount Arlington
    • Morris
    • New Jersey

  • Typical household income

    $92,264a year

    33% below the county

    11% below New Jersey

    • Mount Arlington
    • Morris
    • New Jersey

  • Households that own their home

    75%

    1 points above the county

    11 points above New Jersey

    • Mount Arlington
    • Morris
    • New Jersey

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical rent
$2,781 a month
2.9% more than 12 months ago

From Zillow (ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Mount Arlington is in Morris County. The FHA loan limit ($1,249,125 for a one-unit home), the fair market rents and the help on this page are those of all of Morris County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Mount Arlington apart

What this place has that others do not, from public data, most unusual first.

  1. Nearby, in Lake Hopatcong, the typical rent is $1,686: 30% less than in Mount Arlington ($2,392).

  2. The typical household income in Mount Arlington is $92,264, 33% less than in Morris County as a whole ($137,326).

  3. The typical home in Mount Arlington is worth $422,900, 27% less than in Morris County as a whole ($582,500).

  4. The typical rent in Mount Arlington is $2,392 a month, 26% more than in Morris County as a whole ($1,904).

  5. Nearby, in Hopatcong, the typical home value is $340,700: 19% less than in Mount Arlington ($422,900).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Mount Arlington

What homes there are in Mount Arlington, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

In Mount Arlington there is a bit of everything: no kind of home reaches half. The most common are detached houses (47%); in Morris County, 65%.

Year built

Homes in Mount Arlington are newer: the typical year built is 1990; in Morris County, 1971.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes
Monthly rent with utilities

With a mortgage

$2,566 a month

Morris County: $3,295 a month

Without a mortgage

$1,346 a month

Morris County: $1,385 a month

Owners with a mortgage

63%

Morris County: 65%

Owning costs less in Mount Arlington: with a mortgage, the typical cost is $2,566 a month; in Morris County, $3,295. Without one, $1,346.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

Since 2015–2019, homes in Mount Arlington gained value faster than in Morris County: 39% against 28%.

Since 2015–2019, the typical rent in Mount Arlington rose 31%, more than in Morris County (24%).

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureMount ArlingtonMorris CountyNew JerseyUnited States
Rental vacancy Unreliable estimate3.3%3.5%5.5%
Homeowner vacancy Unreliable estimate0.5%0.7%0.9%
More than one person per room Unreliable estimate1.7%4.0%3.4%
People per household 2.122.622.622.53
Drive alone 72%66%62%69%
Carpool Unreliable estimate6%8%9%
Public transit Unreliable estimate3%8%3%
Walk or bike Unreliable estimate2%3%3%
Work from home 21%22%17%15%
Other means Unreliable estimate1%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

On average, a household in Mount Arlington has 2.12 people, fewer than in Morris County (2.62).

To get to work, 72% of workers in Mount Arlington drive alone; in Morris County, 66%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Mount Arlington?

A typical home costs more than the typical income allows

We start with a typical home in Mount Arlington, worth $422,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 51% of the typical household income in Mount Arlington, which is $92,264 a year. For that payment to be 28% of income, a household would need to earn about $166,483 a year.

The calculator's FHA and conventional loan limits are those of all of Morris County.

Your numbers

Local data
$

Starts at the typical home value in Mount Arlington. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $14,802 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$3,885

at 7.18% · 30 years

Loan amount
$415,240
Total interest
$597,433
Paid off in
November 2056

Includes $7,142 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,153 a month

  • Tight

    $2,153 to $2,768 a month

  • Hard

    more than $2,768 a month

    Your payment · 51%

Compared with the typical household income in Mount Arlington ($92,264 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,885
Principal & interest$2,813
Property tax$708
Home insurance$176
FHA mortgage insurance (MIP)$187

You need at least $14,802 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Mount Arlington and Morris County

Mount Arlington is in Morris County, New Jersey. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Mount Arlington's own numbers

Typical home value
$422,900
Typical monthly rent
$2,392
Typical yearly household income
$92,264
Households that own their home
75%
Effective property tax rate
2.01%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Morris County

FHA limit, one-unit home
$1,249,125
Conventional limit, one unit
$1,209,750
HUD fair market rent, 2 bedrooms
$2,233
Price change over 5 years (FHFA)
+53%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Morris County.

Everything about Morris County

Buying

Buying a home in Mount Arlington

A typical home in Mount Arlington is worth $422,900: 27% below the county and 7% below New Jersey. With the typical household income in Mount Arlington ($92,264 a year), a typical home costs 4.6 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Mount Arlington 4.6 years
  • Morris 4.2 years
  • New Jersey 4.4 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Morris County

According to FHFA’s house price index, home prices in Morris County rose 68% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Morris County.

Period County New Jersey U.S.
Last year (2025) +5.9% +6.2% +2.9%
5 years (2020–2025) +53% +63% +47%
10 years (2015–2025) +68% +88% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Mount Arlington next to Morris County, New Jersey and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Mount Arlington $422,900
  • Morris $582,500
  • New Jersey $454,400
  • United States $332,700
Typical monthly rent
  • Mount Arlington $2,392
  • Morris $1,904
  • New Jersey $1,720
  • United States $1,413
Typical yearly household income
  • Mount Arlington $92,264
  • Morris $137,326
  • New Jersey $103,556
  • United States $80,734
See the full table
Mount Arlington next to Morris County and New Jersey
Measure Mount Arlington Morris County New Jersey U.S.
Typical home value $422,900 $582,500 $454,400 $332,700
Typical monthly rent $2,392 $1,904 $1,720 $1,413
Typical yearly household income $92,264 $137,326 $103,556 $80,734
Households that own their home 75% 74% 64% 65%
Typical yearly property tax $8,482 $10,001 $9,590 $3,119
Effective property tax rate 2.01% 1.72% 2.11% 0.94%
Renters with high rent for their income 48% 45% 52% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Morris County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Mount Arlington

For a typical $422,900 home in Mount Arlington, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Mount Arlington's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,885a month

    Least cash to close
    Down payment
    $14,802
    Cash to close
    $27,489
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $187

  • Conventional, 5% down $3,807a month

    Down payment
    $21,145
    Cash to close
    $33,832
    Rate
    7.18%
    Mortgage insurance
    PMI · $201

  • Conventional, 20% down, no PMI $3,176a month

    Down payment
    $84,580
    Cash to close
    $97,267
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,567a month

    Down payment
    $63,435
    Cash to close
    $76,122
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Mount Arlington and for Morris County.

Property tax

Effective rate in Mount Arlington

2.01%of the home’s value each year

$8,482 a year for the typical owner in Mount Arlington.

  • Mount Arlington 2.01%
  • Morris 1.72%
  • New Jersey 2.11%

What New Jersey publishes ANCHOR, Senior Freeze and Stay NJ: one combined application (New Jersey Division of Taxation)

Exemptions and deadlines in New Jersey

Flood risk in Morris County

FEMA does not publish these numbers by city: they are for all of Morris County.

FEMA’s maps count no homes in the high-risk zone in Morris County. That does not mean it cannot flood: check your address.

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Mount Arlington

Typical rent in Mount Arlington is $2,392 a month: 26% above the county. In Mount Arlington, 48% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Morris County, by unit size. To pay the 2-bedroom one ($2,233 a month) without spending more than 30% of your income, you would need to earn $42.94 an hour working full time.

HUD fair market rent for all of Morris County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $1,637 $31.48 $65,480
1 bedroom $1,850 $35.58 $74,000
2 bedrooms $2,233 $42.94 $89,320
3 bedrooms $2,785 $53.56 $111,400
4 bedrooms $3,188 $61.31 $127,520

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Mount Arlington

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Mount Arlington is in ZIP code 07856.

For 2 bedrooms it is $3,170: $937 more than the fair market rent for Morris County ($2,233).

  • 07856 $3,170$3,950

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Mount Arlington when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Free help

Help to buy or rent in Mount Arlington

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

There is 1 HUD-approved agency with an office in Morris County; none says it serves in Spanish.

A grandmother smiles, seated at home.

HUD counseling is free or low-cost

Assistance programs in Mount Arlington

No down payment, repair or rent-help program on our list is for Mount Arlington or Morris County. The ones below are statewide in New Jersey: they work in Mount Arlington the same as in the rest of the state.

Which programs do I qualify for? All programs in New Jersey

Housing counselors near Mount Arlington

The HUD-approved agencies closest to the center of Mount Arlington, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Housing Partnership for Morris County

    2 E Blackwell St Ste 12, Dover · 5 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 7 more
    (973) 659-9222

  • Credit.org - New Jersey Branch

    101 Eisenhower Pkwy, Roseland · 18 miles away · Spanish

    Also serves in other languages.

    • Mortgage delinquency and default
    • Budget and credit workshops
    • and 4 more
    (800) 431-8157

  • Consumer Credit and Budget Counseling, DBA National Foundation for Debt Management

    26 Park St Ste 2000, Montclair · 23 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 7 more
    (727) 755-8558

Every agency in Morris County All counseling agencies in New Jersey

Help in Spanish near Mount Arlington

2 of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Mount Arlington

HUD’s record names them for Mount Arlington or Morris County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • Morris County Housing Authority Public housing and Section 8 vouchers (973) 540-0389

4 other authorities have an office in Morris County: see the list Source: HUD

Cities

Other cities in Morris County

These cities are also in Morris County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Morris County Housing in New Jersey
See 14 more cities in Morris County, with prices and rents

Every city has its own page with prices, rents and help.

Nearby cities

The cities closest to Mount Arlington, with the typical home value.

Neighboring counties

If Morris County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Mount Arlington.

All guides
A father, a mother and their daughter smile among the avocado trees by their home in Somis, California.

Questions

Housing questions about Mount Arlington

Short answers with the numbers for Mount Arlington and all of Morris County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Mount Arlington?

The typical home value in Mount Arlington is $422,900, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Morris County it is $582,500.

How much does it cost to rent in Mount Arlington?

Typical rent in Mount Arlington is $2,392 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Morris County is $2,233.

What is the FHA loan limit in Mount Arlington?

Mount Arlington uses the FHA limit for all of Morris County (2026): $1,249,125 for a one-unit home and $2,402,625 for a four-unit home.

How much property tax do owners pay in Mount Arlington?

The typical homeowner in Mount Arlington pays $8,482 a year, according to the U.S. Census Bureau. That is 2.01% of the home’s value; in Morris County, the rate is 1.72%.

Where can I find free help to buy or rent in Mount Arlington?

There is 1 HUD-approved counseling agency with an office in Morris County. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).