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City · 10,507 residents · Mercer County, New Jersey

White Horse , New Jersey

In White Horse, a typical home is worth $308,200 and typical rent is $2,046 a month. Compared with all of Mercer County, typical rent is 26% higher, the typical home value is 18% lower, and the share of households that own their home is 27 points higher.

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  • Typical home value

    $308,200

    18% below the county

    32% below New Jersey

    • White Horse
    • Mercer
    • New Jersey

  • Typical rent

    $2,046a month

    26% above the county

    19% above New Jersey

    • White Horse
    • Mercer
    • New Jersey

  • Typical household income

    $105,758a year

    5% above the county

    2% above New Jersey

    • White Horse
    • Mercer
    • New Jersey

  • Households that own their home

    89%

    27 points above the county

    25 points above New Jersey

    • White Horse
    • Mercer
    • New Jersey

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

White Horse 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 White Horse apart

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

  1. 89% of households in White Horse own their home, against 62% in Mercer County.

  2. Nearby, in Trenton, the typical home value is $160,700: 48% less than in White Horse ($308,200).

  3. Nearby, in Trenton, the typical rent is $1,294: 37% less than in White Horse ($2,046).

  4. The typical rent in White Horse is $2,046 a month, 26% more than in Mercer County as a whole ($1,623).

  5. The typical home in White Horse is worth $308,200, 18% less than in Mercer County as a whole ($377,700).

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

The homes here

Housing in White Horse

What homes there are in White Horse, 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, standing on their own, make up 84% of homes here, against 48% in Mercer County.

Year built

The typical home in White Horse was built in 1959, 10 years before the typical one in Mercer County.

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

$2,124 a month

Mercer County: $2,615 a month

Without a mortgage

$1,043 a month

Mercer County: $1,136 a month

Owners with a mortgage

59%

Mercer County: 62%

Owning costs less in White Horse: with a mortgage, the typical cost is $2,124 a month; in Mercer County, $2,615. Without one, $1,043.

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

The typical home value in White Horse rose 32% since 2015–2019, about the same as in Mercer County (30%).

The typical rent in White Horse rose 78% over the same time; in Mercer County, it rose 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

MeasureWhite HorseMercer 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 2.602.562.622.53
Drive alone 78%60%62%69%
Carpool Unreliable estimate9%8%9%
Public transit Unreliable estimate5%8%3%
Walk or bike Unreliable estimate4%3%3%
Work from home 12%20%17%15%
Other means Unreliable estimate3%2%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

Much as in Mercer County, a household in White Horse has 2.60 people on average.

In White Horse, 78% of workers drive alone to work; in Mercer County, 60%.

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 White Horse?

A typical home is tight for the typical income

We start with a typical home in White Horse, worth $308,200, 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 White Horse, which is $105,758 a year. For that payment to be 28% of income, a household would need to earn about $123,530 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 White Horse. 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 $10,787 (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

$2,882

at 7.18% · 30 years

Loan amount
$302,618
Total interest
$435,396
Paid off in
November 2056

Includes $5,205 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,468 a month

  • Tight

    $2,468 to $3,173 a month

    Your payment · 33%

  • Hard

    more than $3,173 a month

Compared with the typical household income in White Horse ($105,758 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,882
Principal & interest$2,050
Property tax$568
Home insurance$128
FHA mortgage insurance (MIP)$136

You need at least $10,787 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

White Horse and Mercer County

White Horse 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).

White Horse's own numbers

Typical home value
$308,200
Typical monthly rent
$2,046
Typical yearly household income
$105,758
Households that own their home
89%
Effective property tax rate
2.21%

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 White Horse

A typical home in White Horse is worth $308,200: 18% below the county and 32% below New Jersey. With the typical household income in White Horse ($105,758 a year), a typical home costs 2.9 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.

  • White Horse 2.9 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

White Horse 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
  • White Horse $308,200
  • Mercer $377,700
  • New Jersey $454,400
  • United States $332,700
Typical monthly rent
  • White Horse $2,046
  • Mercer $1,623
  • New Jersey $1,720
  • United States $1,413
Typical yearly household income
  • White Horse $105,758
  • Mercer $100,645
  • New Jersey $103,556
  • United States $80,734
See the full table
White Horse next to Mercer County and New Jersey
Measure White Horse Mercer County New Jersey U.S.
Typical home value $308,200 $377,700 $454,400 $332,700
Typical monthly rent $2,046 $1,623 $1,720 $1,413
Typical yearly household income $105,758 $100,645 $103,556 $80,734
Households that own their home 89% 62% 64% 65%
Typical yearly property tax $6,816 $8,909 $9,590 $3,119
Effective property tax rate 2.21% 2.36% 2.11% 0.94%
Renters with high rent for their income 41% 50% 52% 51%

“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 White Horse

For a typical $308,200 home in White Horse, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, White Horse's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,882a month

    Least cash to close
    Down payment
    $10,787
    Cash to close
    $20,033
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $136

  • Conventional, 5% down $2,826a month

    Down payment
    $15,410
    Cash to close
    $24,656
    Rate
    7.18%
    Mortgage insurance
    PMI · $146

  • Conventional, 20% down, no PMI $2,366a month

    Down payment
    $61,640
    Cash to close
    $70,886
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,651a month

    Down payment
    $46,230
    Cash to close
    $55,476
    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 White Horse and for Mercer County.

Property tax

Effective rate in White Horse

2.21%of the home’s value each year

$6,816 a year for the typical owner in White Horse.

  • White Horse 2.21%
  • 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 White Horse

Typical rent in White Horse is $2,046 a month: 26% above the county. In White Horse, 41% of renter households pay 30% or more of their income in rent.

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 White Horse

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). White Horse is in ZIP code 08610.

For 2 bedrooms it is $2,090: $152 less than the fair market rent for Mercer County ($2,242).

  • 08610 $2,090$2,550

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

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 White Horse

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

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

Housing counselors near White Horse

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

  • Isles, Incorporated

    10 Wood St, Trenton · 4 miles away · Spanish

    Also serves in Cantonese.

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 2 more
    (609) 341-4700

  • Housing & Community Development Network of New Jersey

    145 West Hanover Street, Trenton · 4 miles away

    (917) 974-5922

  • Navicore Solutions

    200 US Highway 9, Manalapan · 22 miles away · Spanish

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

Every agency in Mercer County All counseling agencies in New Jersey

Help in Spanish near White Horse

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 White Horse

In HUD’s record, no housing authority with an office in Mercer County is named for White Horse 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 White Horse, 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 White Horse.

All guides
A smiling girl holds up a small mushroom she found on a forest outing.

Questions

Housing questions about White Horse

Short answers with the numbers for White Horse 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 White Horse?

The typical home value in White Horse is $308,200, 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 White Horse?

Typical rent in White Horse is $2,046 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 White Horse?

White Horse 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 White Horse?

The typical homeowner in White Horse pays $6,816 a year, according to the U.S. Census Bureau. That is 2.21% of the home’s value; in Mercer County, the rate is 2.36%.

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

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).