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City · 8,369 residents · Sussex County, New Jersey

Newton , New Jersey

In Newton, a typical home is worth $302,700 and typical rent is $1,442 a month. Compared with all of Sussex County, typical household income is 34% lower, the typical home value is 18% lower, and the share of households that own their home is 24 points lower.

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  • Typical home value

    $302,700

    18% below the county

    33% below New Jersey

    • Newton
    • Sussex
    • New Jersey

  • Typical rent

    $1,442a month

    9% below the county

    16% below New Jersey

    • Newton
    • Sussex
    • New Jersey

  • Typical household income

    $76,221a year

    34% below the county

    26% below New Jersey

    • Newton
    • Sussex
    • New Jersey

  • Households that own their home

    59%

    24 points below the county

    5 points below New Jersey

    • Newton
    • Sussex
    • New Jersey

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

Market now, with Zillow data

Zillow data
Typical home value
$444,736
2% more than 12 months ago
Typical rent
$2,311 a month

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

Newton is in Sussex 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 Sussex County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Newton apart

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

  1. 59% of households in Newton own their home, against 84% in Sussex County.

  2. The typical household income in Newton is $76,221, 34% less than in Sussex County as a whole ($116,186).

  3. The typical home in Newton is worth $302,700, 18% less than in Sussex County as a whole ($369,400).

  4. 10% of households in Newton have no internet at home (4% in Sussex County).

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

The homes here

Housing in Newton

What homes there are in Newton, 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

Detached houses are the majority in Newton (56%), but less so than in Sussex County (78%).

Year built

In Newton, half of the homes were built before 1962; in Sussex County, before 1973.

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

$2,185 a month

Sussex County: $2,473 a month

Without a mortgage

$1,064 a month

Sussex County: $1,110 a month

Owners with a mortgage

69%

Sussex County: 68%

Owning costs less in Newton: with a mortgage, the typical cost is $2,185 a month; in Sussex County, $2,473. Without one, $1,064.

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

From 2015–2019 to 2020–2024, the typical home value in Newton rose 43%; in Sussex County, it rose 38%.

Much as in Sussex County, the typical rent in Newton rose 23% since 2015–2019.

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

MeasureNewtonSussex CountyNew JerseyUnited States
Rental vacancy Unreliable estimate4.4%3.5%5.5%
Homeowner vacancy Unreliable estimate0.9%0.7%0.9%
More than one person per room Unreliable estimate1.3%4.0%3.4%
People per household 2.272.502.622.53
Drive alone 82%76%62%69%
Carpool Unreliable estimate6%8%9%
Public transit Unreliable estimate1%8%3%
Walk or bike Unreliable estimate1%3%3%
Work from home 7%15%17%15%
Other means Unreliable estimate1%2%2%
Typical commute Unreliable estimate30 to 39 minutes20 to 29 minutes20 to 29 minutes

Households in Newton are smaller: 2.27 people on average; in Sussex County, 2.50.

To get to work, 82% of workers in Newton drive alone; in Sussex County, 76%.

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 Newton?

A typical home costs more than the typical income allows

We start with a typical home in Newton, worth $302,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 48% of the typical household income in Newton, which is $76,221 a year. For that payment to be 28% of income, a household would need to earn about $130,299 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Newton. 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 $10,595 (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

$3,040

at 7.18% · 30 years

Loan amount
$297,217
Total interest
$427,625
Paid off in
November 2056

Includes $5,112 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,778 a month

  • Tight

    $1,778 to $2,287 a month

  • Hard

    more than $2,287 a month

    Your payment · 48%

Compared with the typical household income in Newton ($76,221 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,040
Principal & interest$2,013
Property tax$767
Home insurance$126
FHA mortgage insurance (MIP)$134

You need at least $10,595 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

Newton and Sussex County

Newton is in Sussex 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).

Newton's own numbers

Typical home value
$302,700
Typical monthly rent
$1,442
Typical yearly household income
$76,221
Households that own their home
59%
Effective property tax rate
3.04%

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

Numbers for all of Sussex 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)
+66%
Homes in a high flood-risk zone
0.3%

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 Sussex County.

Everything about Sussex County

Buying

Buying a home in Newton

A typical home in Newton is worth $302,700: 18% below the county and 33% below New Jersey. With the typical household income in Newton ($76,221 a year), a typical home costs 4.0 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.

  • Newton 4.0 years
  • Sussex 3.2 years
  • New Jersey 4.4 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Sussex County

According to FHFA’s house price index, home prices in Sussex County rose 92% in the 10 years through 2025.

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

Period County New Jersey U.S.
Last year (2025) +6.6% +6.2% +2.9%
5 years (2020–2025) +66% +63% +47%
10 years (2015–2025) +92% +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

Newton next to Sussex 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
  • Newton $302,700
  • Sussex $369,400
  • New Jersey $454,400
  • United States $332,700
Typical monthly rent
  • Newton $1,442
  • Sussex $1,585
  • New Jersey $1,720
  • United States $1,413
Typical yearly household income
  • Newton $76,221
  • Sussex $116,186
  • New Jersey $103,556
  • United States $80,734
See the full table
Newton next to Sussex County and New Jersey
Measure Newton Sussex County New Jersey U.S.
Typical home value $302,700 $369,400 $454,400 $332,700
Typical monthly rent $1,442 $1,585 $1,720 $1,413
Typical yearly household income $76,221 $116,186 $103,556 $80,734
Households that own their home 59% 84% 64% 65%
Typical yearly property tax $9,187 $8,568 $9,590 $3,119
Effective property tax rate 3.04% 2.32% 2.11% 0.94%
Renters with high rent for their income 61% 55% 52% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Sussex 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 Newton

For a typical $302,700 home in Newton, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Newton's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,040a month

    Least cash to close
    Down payment
    $10,595
    Cash to close
    $19,676
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $134

  • Conventional, 5% down $2,985a month

    Down payment
    $15,135
    Cash to close
    $24,216
    Rate
    7.18%
    Mortgage insurance
    PMI · $144

  • Conventional, 20% down, no PMI $2,533a month

    Down payment
    $60,540
    Cash to close
    $69,621
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,813a month

    Down payment
    $45,405
    Cash to close
    $54,486
    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 Newton and for Sussex County.

Property tax

Effective rate in Newton

3.04%of the home’s value each year

$9,187 a year for the typical owner in Newton.

  • Newton 3.04%
  • Sussex 2.32%
  • 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 Sussex County

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

Homes in the high-risk zone
0.3%
148
Of those, with NFIP insurance
36%
County New Jersey U.S.
Homes in the high-risk zone 0.3% 6.7% 3.5%
Of those, with NFIP insurance 36% 63% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Newton

Typical rent in Newton is $1,442 a month: 9% below the county. In Newton, 61% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Sussex 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 Sussex 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 Newton

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Newton is in ZIP code 07860.

For 2 bedrooms it is $2,010: $223 less than the fair market rent for Sussex County ($2,233).

  • 07860 $2,010$2,510

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Newton 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?

Low-income apartments

Low-income apartments in Newton

HUD lists 4 buildings with rents for lower incomes in Newton. These are the largest.

  • Brookside Terrace 33 Mill St, Newton 07860 222 homes, 119 low-income · For families
  • Liberty TWS 32 Liberty St, Newton 07860 80 low-income homes · Run by Newton Housing Authority · Average payment: $542 a month · Average wait: 24 months (973) 383-5191
  • Newton Town Centre 5 Union Pl, Newton 64 low-income homes · In service since 2018
  • SCARC Residential Expansion Project 919 Deer Run Rd, Newton 07860 10 low-income homes · For people with disabilities

See all 11 buildings in Sussex County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Newton

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.

We found no HUD-approved agencies with an office in Sussex County. The nearest ones are below; many serve by phone or online.

An older man and his daughter go over papers with a professional.

HUD counseling is free or low-cost

Assistance programs in Newton

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

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

Housing counselors near Newton

The HUD-approved agencies closest to the center of Newton, 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 · 15 miles away

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

  • Credit.org - New Jersey Branch

    101 Eisenhower Pkwy, Roseland · 27 miles away · Spanish

    Also serves in other languages.

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

  • Housing Authority of the City of Paterson

    60 Van Houten St, Paterson · 32 miles away

    • Budget and financial counseling
    • Pre-purchase counseling
    • and 1 more
    (973) 345-5085

All counseling agencies in New Jersey

Help in Spanish near Newton

1 of the 3 agencies on this list says it serves 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 Newton

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

All housing agencies in New Jersey Source: HUD

Cities

Other cities in Sussex County

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

Everything about Sussex County Housing in New Jersey

Nearby cities

The cities closest to Newton, with the typical home value.

Neighboring counties

If Sussex 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 Newton.

All guides
A family roasts marshmallows over a campfire at a forest campsite.

Questions

Housing questions about Newton

Short answers with the numbers for Newton and all of Sussex 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 Newton?

The typical home value in Newton is $302,700, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Sussex County it is $369,400.

How much does it cost to rent in Newton?

Typical rent in Newton is $1,442 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Sussex County is $2,233.

What is the FHA loan limit in Newton?

Newton uses the FHA limit for all of Sussex 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 Newton?

The typical homeowner in Newton pays $9,187 a year, according to the U.S. Census Bureau. That is 3.04% of the home’s value; in Sussex County, the rate is 2.32%.

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

We found no HUD-approved counseling agencies with an office in Sussex County; the nearest ones are on this page. 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).