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City · 8,382 residents · Mercer County, New Jersey

Twin Rivers , New Jersey

In Twin Rivers, a typical home is worth $301,400 and typical rent is $1,753 a month. Compared with all of Mercer County, the typical home value is 20% lower, typical rent is 8% higher, and the share of households that own their home is 7 points higher.

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  • Typical home value

    $301,400

    20% below the county

    34% below New Jersey

    • Twin Rivers
    • Mercer
    • New Jersey

  • Typical rent

    $1,753a month

    8% above the county

    About the same as New Jersey

    • Twin Rivers
    • Mercer
    • New Jersey

  • Typical household income

    $100,833a year

    About the same as the county

    3% below New Jersey

    • Twin Rivers
    • Mercer
    • New Jersey

  • Households that own their home

    69%

    7 points above the county

    5 points above New Jersey

    • Twin Rivers
    • Mercer
    • New Jersey

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

Twin Rivers is in Mercer County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Mercer County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Twin Rivers apart

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

  1. The typical home in Twin Rivers is worth $301,400, 20% less than in Mercer County as a whole ($377,700).

  2. 69% of households in Twin Rivers own their home, against 62% in Mercer County.

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

The homes here

Housing in Twin Rivers

What homes there are in Twin Rivers, 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 Twin Rivers there is a bit of everything: no kind of home reaches half. The most common are attached houses (townhouses) (59%), more than in Mercer County (20%).

Year built

Here half of the homes date from 1974 or later; in Mercer County, from 1969 or later.

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

$2,051 a month

Mercer County: $2,615 a month

Without a mortgage

$945 a month

Mercer County: $1,136 a month

Owners with a mortgage

72%

Mercer County: 62%

In Twin Rivers, 72% of owners have a mortgage, and their typical cost is $2,051 a month, against $2,615 in Mercer County. Without one it drops to $945.

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 Twin Rivers rose 40%; in Mercer County, it rose 30%.

Since 2015–2019, the typical rent in Twin Rivers rose 15%, less than in Mercer County (28%).

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

MeasureTwin RiversMercer CountyNew JerseyUnited States
Rental vacancy Unreliable estimate2.9%3.5%5.5%
Homeowner vacancy Unreliable estimate0.4%0.7%0.9%
More than one person per room Unreliable estimate3.7%4.0%3.4%
People per household 2.702.562.622.53
Drive alone 58%60%62%69%
Carpool 13%9%8%9%
Public transit Unreliable estimate5%8%3%
Walk or bike Unreliable estimate4%3%3%
Work from home 19%20%17%15%
Other means Unreliable estimate3%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

On average, a household in Twin Rivers has 2.70 people, more than in Mercer County (2.56).

In Twin Rivers, 13% of workers share a car to get to work; in Mercer County, 9%.

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 Twin Rivers?

A typical home is tight for the typical income

We start with a typical home in Twin Rivers, worth $301,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 33% of the typical household income in Twin Rivers, which is $100,833 a year. For that payment to be 28% of income, a household would need to earn about $119,298 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Twin Rivers. 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 $10,549 (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

$2,784

at 7.18% · 30 years

Loan amount
$295,941
Total interest
$425,790
Paid off in
November 2056

Includes $5,090 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,353 a month

  • Tight

    $2,353 to $3,025 a month

    Your payment · 33%

  • Hard

    more than $3,025 a month

Compared with the typical household income in Twin Rivers ($100,833 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,784
Principal & interest$2,005
Property tax$520
Home insurance$126
FHA mortgage insurance (MIP)$133

You need at least $10,549 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

Twin Rivers and Mercer County

Twin Rivers is in Mercer 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).

Twin Rivers's own numbers

Typical home value
$301,400
Typical monthly rent
$1,753
Typical yearly household income
$100,833
Households that own their home
69%
Effective property tax rate
2.07%

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

Numbers for all of Mercer County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$2,242
Price change over 5 years (FHFA)
+68%
Homes in a high flood-risk zone
1.7%

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 Mercer County.

Everything about Mercer County

Buying

Buying a home in Twin Rivers

A typical home in Twin Rivers is worth $301,400: 20% below the county and 34% below New Jersey. With the typical household income in Twin Rivers ($100,833 a year), a typical home costs 3.0 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.

  • Twin Rivers 3.0 years
  • Mercer 3.8 years
  • New Jersey 4.4 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Mercer County

According to FHFA’s house price index, home prices in Mercer County rose 87% in the 10 years through 2025.

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

Period County New Jersey U.S.
Last year (2025) +5.7% +6.2% +2.9%
5 years (2020–2025) +68% +63% +47%
10 years (2015–2025) +87% +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

Twin Rivers next to Mercer 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
  • Twin Rivers $301,400
  • Mercer $377,700
  • New Jersey $454,400
  • United States $332,700
Typical monthly rent
  • Twin Rivers $1,753
  • Mercer $1,623
  • New Jersey $1,720
  • United States $1,413
Typical yearly household income
  • Twin Rivers $100,833
  • Mercer $100,645
  • New Jersey $103,556
  • United States $80,734
See the full table
Twin Rivers next to Mercer County and New Jersey
Measure Twin Rivers Mercer County New Jersey U.S.
Typical home value $301,400 $377,700 $454,400 $332,700
Typical monthly rent $1,753 $1,623 $1,720 $1,413
Typical yearly household income $100,833 $100,645 $103,556 $80,734
Households that own their home 69% 62% 64% 65%
Typical yearly property tax $6,245 $8,909 $9,590 $3,119
Effective property tax rate 2.07% 2.36% 2.11% 0.94%

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

For a typical $301,400 home in Twin Rivers, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Twin Rivers's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,784a month

    Least cash to close
    Down payment
    $10,549
    Cash to close
    $19,591
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $133

  • Conventional, 5% down $2,728a month

    Down payment
    $15,070
    Cash to close
    $24,112
    Rate
    7.18%
    Mortgage insurance
    PMI · $143

  • Conventional, 20% down, no PMI $2,279a month

    Down payment
    $60,280
    Cash to close
    $69,322
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,558a month

    Down payment
    $45,210
    Cash to close
    $54,252
    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 Twin Rivers and for Mercer County.

Property tax

Effective rate in Twin Rivers

2.07%of the home’s value each year

$6,245 a year for the typical owner in Twin Rivers.

  • Twin Rivers 2.07%
  • Mercer 2.36%
  • 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 Mercer County

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

Homes in the high-risk zone
1.7%
1,826
Of those, with NFIP insurance
42%
County New Jersey U.S.
Homes in the high-risk zone 1.7% 6.7% 3.5%
Of those, with NFIP insurance 42% 63% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Twin Rivers

Typical rent in Twin Rivers is $1,753 a month: 8% above the county.

HUD publishes a fair market rent for all of Mercer County, by unit size. To pay the 2-bedroom one ($2,242 a month) without spending more than 30% of your income, you would need to earn $43.12 an hour working full time.

HUD fair market rent for all of Mercer 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 $1,561 $30.02 $62,440
1 bedroom $1,764 $33.92 $70,560
2 bedrooms $2,242 $43.12 $89,680
3 bedrooms $2,741 $52.71 $109,640
4 bedrooms $3,081 $59.25 $123,240

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 Twin Rivers

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Twin Rivers is in ZIP code 08520.

For 2 bedrooms it is $2,240: $2 less than the fair market rent for Mercer County ($2,242).

  • 08520 $2,240$2,740

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

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 are 2 HUD-approved agencies with an office in Mercer County; 1 says it serves in Spanish.

A man leans over the armchair where a girl is reading a book.

HUD counseling is free or low-cost

Assistance programs in Twin Rivers

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

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

Housing counselors near Twin Rivers

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

  • Navicore Solutions

    200 US Highway 9, Manalapan · 10 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (732) 409-6281

  • Navicore Solutions - Manalapan, NJ

    200 US Highway 9, Manalapan · 10 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    (732) 409-6281

  • Puerto Rican Action Board, Inc.

    754 Route 18, East Brunswick · 13 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 7 more
    (732) 832-7535

Every agency in Mercer County All counseling agencies in New Jersey

Help in Spanish near Twin Rivers

3 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 Twin Rivers

In HUD’s record, no housing authority with an office in Mercer County is named for Twin Rivers or Mercer County.

5 other authorities have an office in Mercer County: see the list Source: HUD

Cities

Other cities in Mercer County

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

Everything about Mercer County Housing in New Jersey

Nearby cities

The cities closest to Twin Rivers, with the typical home value.

Neighboring counties

If Mercer 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 Twin Rivers.

All guides
A mother holds her laughing daughter on a grey sofa.

Questions

Housing questions about Twin Rivers

Short answers with the numbers for Twin Rivers and all of Mercer 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 Twin Rivers?

The typical home value in Twin Rivers is $301,400, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Mercer County it is $377,700.

How much does it cost to rent in Twin Rivers?

Typical rent in Twin Rivers is $1,753 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Mercer County is $2,242.

What is the FHA loan limit in Twin Rivers?

Twin Rivers uses the FHA limit for all of Mercer County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.

How much property tax do owners pay in Twin Rivers?

The typical homeowner in Twin Rivers pays $6,245 a year, according to the U.S. Census Bureau. That is 2.07% of the home’s value; in Mercer County, the rate is 2.36%.

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

There are 2 HUD-approved counseling agencies with an office in Mercer County. 1 says it serves in Spanish. 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).