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City · 7,334 residents · Warren County, New Jersey

Washington , New Jersey

In Washington, a typical home is worth $263,300 and typical rent is $1,348 a month. Compared with all of Warren County, the typical home value is 24% lower, typical household income is 19% lower, and the share of households that own their home is 17 points lower.

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  • Typical home value

    $263,300

    24% below the county

    42% below New Jersey

    • Washington
    • Warren
    • New Jersey

  • Typical rent

    $1,348a month

    4% below the county

    22% below New Jersey

    • Washington
    • Warren
    • New Jersey

  • Typical household income

    $81,336a year

    19% below the county

    21% below New Jersey

    • Washington
    • Warren
    • New Jersey

  • Households that own their home

    58%

    17 points below the county

    5 points below New Jersey

    • Washington
    • Warren
    • New Jersey

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

Market now, with Zillow data

Zillow data
Typical rent
$2,008 a month

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

Washington is in Warren 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 Warren County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Washington apart

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

  1. 58% of households in Washington own their home, against 75% in Warren County.

  2. Nearby, in Phillipsburg, the typical home value is $193,200: 27% less than in Washington ($263,300).

  3. The typical home in Washington is worth $263,300, 24% less than in Warren County as a whole ($346,500).

  4. The typical household income in Washington is $81,336, 19% less than in Warren County as a whole ($100,869).

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

The homes here

Housing in Washington

What homes there are in Washington, 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 Washington (55%), but less so than in Warren County (68%).

Year built

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

$2,107 a month

Warren County: $2,317 a month

Without a mortgage

$968 a month

Warren County: $1,045 a month

Owners with a mortgage

83%

Warren County: 66%

The typical cost for an owner with a mortgage in Washington is $2,107 a month, less than in Warren County ($2,317); without one, $968.

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 Washington rose 23%; in Warren County, it rose 31%.

The typical rent in Washington rose 23% since 2015–2019, about the same as in Warren County (25%).

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

MeasureWashingtonWarren CountyNew JerseyUnited States
Rental vacancy Unreliable estimateUnreliable estimate3.5%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.7%0.9%
More than one person per room Unreliable estimate1.2%4.0%3.4%
People per household 2.362.402.622.53
Drive alone 79%77%62%69%
Carpool Unreliable estimate6%8%9%
Public transit Unreliable estimate2%8%3%
Walk or bike Unreliable estimate2%3%3%
Work from home 14%13%17%15%
Other means Unreliable estimate1%2%2%
Typical commute Unreliable estimate30 to 39 minutes20 to 29 minutes20 to 29 minutes

By size, households in Washington look like those in Warren County: 2.36 people on average.

To get to work, 79% of workers in Washington drive alone; in Warren County, 77%.

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 Washington?

A typical home costs more than the typical income allows

We start with a typical home in Washington, worth $263,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 39% of the typical household income in Washington, which is $81,336 a year. For that payment to be 28% of income, a household would need to earn about $112,680 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Washington. 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 $9,216 (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

$2,629

at 7.18% · 30 years

Loan amount
$258,530
Total interest
$371,965
Paid off in
November 2056

Includes $4,446 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,898 a month

  • Tight

    $1,898 to $2,440 a month

  • Hard

    more than $2,440 a month

    Your payment · 39%

Compared with the typical household income in Washington ($81,336 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,629
Principal & interest$1,751
Property tax$652
Home insurance$110
FHA mortgage insurance (MIP)$116

You need at least $9,216 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

Washington and Warren County

Washington is in Warren 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).

Washington's own numbers

Typical home value
$263,300
Typical monthly rent
$1,348
Typical yearly household income
$81,336
Households that own their home
58%
Effective property tax rate
2.97%

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

Numbers for all of Warren County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$2,021
Price change over 5 years (FHFA)
+68%
Homes in a high flood-risk zone
1.8%

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 Warren County.

Everything about Warren County

Buying

Buying a home in Washington

A typical home in Washington is worth $263,300: 24% below the county and 42% below New Jersey. With the typical household income in Washington ($81,336 a year), a typical home costs 3.2 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.

  • Washington 3.2 years
  • Warren 3.4 years
  • New Jersey 4.4 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Warren County

According to FHFA’s house price index, home prices in Warren County rose 89% in the 10 years through 2025.

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

Period County New Jersey U.S.
Last year (2025) +6.8% +6.2% +2.9%
5 years (2020–2025) +68% +63% +47%
10 years (2015–2025) +89% +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

Washington next to Warren 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
  • Washington $263,300
  • Warren $346,500
  • New Jersey $454,400
  • United States $332,700
Typical monthly rent
  • Washington $1,348
  • Warren $1,409
  • New Jersey $1,720
  • United States $1,413
Typical yearly household income
  • Washington $81,336
  • Warren $100,869
  • New Jersey $103,556
  • United States $80,734
See the full table
Washington next to Warren County and New Jersey
Measure Washington Warren County New Jersey U.S.
Typical home value $263,300 $346,500 $454,400 $332,700
Typical monthly rent $1,348 $1,409 $1,720 $1,413
Typical yearly household income $81,336 $100,869 $103,556 $80,734
Households that own their home 58% 75% 64% 65%
Typical yearly property tax $7,823 $8,119 $9,590 $3,119
Effective property tax rate 2.97% 2.34% 2.11% 0.94%
Renters with high rent for their income 44% 48% 52% 51%

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

For a typical $263,300 home in Washington, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Washington's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,629a month

    Least cash to close
    Down payment
    $9,216
    Cash to close
    $17,115
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $116

  • Conventional, 5% down $2,581a month

    Down payment
    $13,165
    Cash to close
    $21,064
    Rate
    7.18%
    Mortgage insurance
    PMI · $125

  • Conventional, 20% down, no PMI $2,188a month

    Down payment
    $52,660
    Cash to close
    $60,559
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,432a month

    Down payment
    $39,495
    Cash to close
    $47,394
    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 Washington and for Warren County.

Property tax

Effective rate in Washington

2.97%of the home’s value each year

$7,823 a year for the typical owner in Washington.

  • Washington 2.97%
  • Warren 2.34%
  • 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 Warren County

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

Homes in the high-risk zone
1.8%
642
Of those, with NFIP insurance
47%
County New Jersey U.S.
Homes in the high-risk zone 1.8% 6.7% 3.5%
Of those, with NFIP insurance 47% 63% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Washington

Typical rent in Washington is $1,348 a month: 4% below the county. In Washington, 44% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Warren County, by unit size. To pay the 2-bedroom one ($2,021 a month) without spending more than 30% of your income, you would need to earn $38.87 an hour working full time.

HUD fair market rent for all of Warren 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 $1,614 $31.04 $64,560
1 bedroom $1,624 $31.23 $64,960
2 bedrooms $2,021 $38.87 $80,840
3 bedrooms $2,478 $47.65 $99,120
4 bedrooms $2,937 $56.48 $117,480

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 Washington

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Washington is in ZIP code 07882.

For 2 bedrooms it is $2,240: $219 more than the fair market rent for Warren County ($2,021).

  • 07882 $2,240$2,690

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

HUD lists 2 buildings with rents for lower incomes in Washington. These are the largest.

  • Washington Supported Living Apartments 17 Gardners Ct, Washington 07882 8 low-income homes · For people with disabilities
  • Community Hope v Consumer Home 14 Park View Ave, Washington 07882 3 low-income homes · For people with disabilities

See all 14 buildings in Warren County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Washington

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 Warren County. The nearest ones are below; many serve by phone or online.

A young man and a young woman look something up together on a laptop.

HUD counseling is free or low-cost

Assistance programs in Washington

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

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

Housing counselors near Washington

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

  • Central Jersey Housing Resource Center, Inc.

    92 E Main St, Somerville · 24 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and credit workshops
    • and 7 more
    (908) 446-0036

  • Housing Partnership for Morris County

    2 E Blackwell St Ste 12, Dover · 24 miles away

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

  • Credit.org - New Jersey Branch

    101 Eisenhower Pkwy, Roseland · 35 miles away · Spanish

    Also serves in other languages.

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

All counseling agencies in New Jersey

Help in Spanish near Washington

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 Washington

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

One other authority has an office in Warren County: see the list Source: HUD

Cities

Other cities in Warren County

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

Everything about Warren County Housing in New Jersey

Nearby cities

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

Neighboring counties

If Warren 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 Washington.

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

Questions

Housing questions about Washington

Short answers with the numbers for Washington and all of Warren 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 Washington?

The typical home value in Washington is $263,300, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Warren County it is $346,500.

How much does it cost to rent in Washington?

Typical rent in Washington is $1,348 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Warren County is $2,021.

What is the FHA loan limit in Washington?

Washington uses the FHA limit for all of Warren 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 Washington?

The typical homeowner in Washington pays $7,823 a year, according to the U.S. Census Bureau. That is 2.97% of the home’s value; in Warren County, the rate is 2.34%.

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

We found no HUD-approved counseling agencies with an office in Warren 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).