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City · 14,705 residents · Gloucester County, New Jersey

Williamstown , New Jersey

In Williamstown, a typical home is worth $278,600 and typical rent is $1,266 a month. Compared with all of Gloucester County, typical rent is 17% lower and typical household income is 15% lower.

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  • Typical home value

    $278,600

    10% below the county

    39% below New Jersey

    • Williamstown
    • Gloucester
    • New Jersey

  • Typical rent

    $1,266a month

    17% below the county

    26% below New Jersey

    • Williamstown
    • Gloucester
    • New Jersey

  • Typical household income

    $89,414a year

    15% below the county

    14% below New Jersey

    • Williamstown
    • Gloucester
    • New Jersey

  • Households that own their home

    82%

    2 points above the county

    18 points above New Jersey

    • Williamstown
    • Gloucester
    • New Jersey

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

Market now, with Zillow data

Zillow data
Typical home value
$369,732
2.4% more than 12 months ago
Typical rent
$2,081 a month

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

Williamstown is in Gloucester County. The FHA loan limit ($630,200 for a one-unit home), the fair market rents and the help on this page are those of all of Gloucester County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Williamstown apart

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

  1. Nearby, in Pine Hill, the typical home value is $204,600: 27% less than in Williamstown ($278,600).

  2. The typical rent in Williamstown is $1,266 a month, 17% less than in Gloucester County as a whole ($1,531).

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

The homes here

Housing in Williamstown

What homes there are in Williamstown, 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 Williamstown, 8 in 10 homes are single-family detached houses; in Gloucester County, 7.

Year built

In Williamstown, half of the homes were built before 1981; in Gloucester County, before 1980.

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

$2,264 a month

Gloucester County: $2,330 a month

Without a mortgage

$1,009 a month

Gloucester County: $1,066 a month

Owners with a mortgage

73%

Gloucester County: 68%

Owning costs about the same in Williamstown as in Gloucester County: with a mortgage, $2,264 a month; without one, $1,009.

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 Williamstown rose 35%; in Gloucester County, it rose 41%.

The typical rent in Williamstown stayed about the same over that time: the difference is within the Census margin of error.

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

MeasureWilliamstownGloucester CountyNew JerseyUnited States
Rental vacancy Unreliable estimate3.9%3.5%5.5%
Homeowner vacancy Unreliable estimate0.5%0.7%0.9%
More than one person per room Unreliable estimate1.5%4.0%3.4%
People per household 2.522.672.622.53
Drive alone 74%75%62%69%
Carpool 9%6%8%9%
Public transit Unreliable estimate1%8%3%
Walk or bike Unreliable estimate2%3%3%
Work from home 12%15%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 Williamstown has 2.52 people, fewer than in Gloucester County (2.67).

In Williamstown, 74% of workers drive alone to work; in Gloucester County, 75%.

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 Williamstown?

A typical home is tight for the typical income

We start with a typical home in Williamstown, worth $278,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 36% of the typical household income in Williamstown, which is $89,414 a year. For that payment to be 28% of income, a household would need to earn about $114,651 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Williamstown. 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 $9,751 (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

$2,675

at 7.18% · 30 years

Loan amount
$273,554
Total interest
$393,580
Paid off in
November 2056

Includes $4,705 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,086 a month

  • Tight

    $2,086 to $2,682 a month

    Your payment · 36%

  • Hard

    more than $2,682 a month

Compared with the typical household income in Williamstown ($89,414 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,675
Principal & interest$1,853
Property tax$583
Home insurance$116
FHA mortgage insurance (MIP)$123

You need at least $9,751 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

Williamstown and Gloucester County

Williamstown is in Gloucester 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).

Williamstown's own numbers

Typical home value
$278,600
Typical monthly rent
$1,266
Typical yearly household income
$89,414
Households that own their home
82%
Effective property tax rate
2.51%

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

Numbers for all of Gloucester County

FHA limit, one-unit home
$630,200
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,860
Price change over 5 years (FHFA)
+73%
Homes in a high flood-risk zone
1.3%

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 Gloucester County.

Everything about Gloucester County

Buying

Buying a home in Williamstown

A typical home in Williamstown is worth $278,600: 10% below the county and 39% below New Jersey. With the typical household income in Williamstown ($89,414 a year), a typical home costs 3.1 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.

  • Williamstown 3.1 years
  • Gloucester 3.0 years
  • New Jersey 4.4 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Gloucester County

According to FHFA’s house price index, home prices in Gloucester County rose 96% in the 10 years through 2025.

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

Period County New Jersey U.S.
Last year (2025) +5.2% +6.2% +2.9%
5 years (2020–2025) +73% +63% +47%
10 years (2015–2025) +96% +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

Williamstown next to Gloucester 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
  • Williamstown $278,600
  • Gloucester $310,400
  • New Jersey $454,400
  • United States $332,700
Typical monthly rent
  • Williamstown $1,266
  • Gloucester $1,531
  • New Jersey $1,720
  • United States $1,413
Typical yearly household income
  • Williamstown $89,414
  • Gloucester $105,115
  • New Jersey $103,556
  • United States $80,734
See the full table
Williamstown next to Gloucester County and New Jersey
Measure Williamstown Gloucester County New Jersey U.S.
Typical home value $278,600 $310,400 $454,400 $332,700
Typical monthly rent $1,266 $1,531 $1,720 $1,413
Typical yearly household income $89,414 $105,115 $103,556 $80,734
Households that own their home 82% 80% 64% 65%
Typical yearly property tax $6,997 $8,055 $9,590 $3,119
Effective property tax rate 2.51% 2.6% 2.11% 0.94%
Renters with high rent for their income 47% 55% 52% 51%

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

For a typical $278,600 home in Williamstown, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Williamstown's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,675a month

    Least cash to close
    Down payment
    $9,751
    Cash to close
    $18,109
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $123

  • Conventional, 5% down $2,624a month

    Down payment
    $13,930
    Cash to close
    $22,288
    Rate
    7.18%
    Mortgage insurance
    PMI · $132

  • Conventional, 20% down, no PMI $2,209a month

    Down payment
    $55,720
    Cash to close
    $64,078
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,466a month

    Down payment
    $41,790
    Cash to close
    $50,148
    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 Williamstown and for Gloucester County.

Property tax

Effective rate in Williamstown

2.51%of the home’s value each year

$6,997 a year for the typical owner in Williamstown.

  • Williamstown 2.51%
  • Gloucester 2.6%
  • 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 Gloucester County

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

Homes in the high-risk zone
1.3%
1,148
Of those, with NFIP insurance
50%
County New Jersey U.S.
Homes in the high-risk zone 1.3% 6.7% 3.5%
Of those, with NFIP insurance 50% 63% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Williamstown

Typical rent in Williamstown is $1,266 a month: 17% below the county. In Williamstown, 47% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Gloucester County, by unit size. To pay the 2-bedroom one ($1,860 a month) without spending more than 30% of your income, you would need to earn $35.77 an hour working full time.

HUD fair market rent for all of Gloucester 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 $1,438 $27.65 $57,520
1 bedroom $1,558 $29.96 $62,320
2 bedrooms $1,860 $35.77 $74,400
3 bedrooms $2,216 $42.62 $88,640
4 bedrooms $2,445 $47.02 $97,800

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 Williamstown

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Williamstown is in ZIP code 08094.

For 2 bedrooms it is $1,900: $40 more than the fair market rent for Gloucester County ($1,860).

  • 08094 $1,900$2,290

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

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

  • Justin Commons A/K/A Scotland Commons 111 Justin Way, Williamstown 132 low-income homes · In service since 2011
  • Carino Park 100 Chestnut St, Williamstown 08094 100 low-income homes · Run by Gloucester County Housing Authority · Average payment: $397 a month · Average wait: 77 months (856) 845-4959
  • The Mews at St Mary 32 Carroll Ave, Williamstown 08094 75 homes, 42 low-income · For older adults
  • The Mews at St Mary 750 Blue Bell Rd, Williamstown 08094 75 homes, 5 low-income (856) 342-4120

See all 55 buildings in Gloucester County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Williamstown

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 Gloucester County; none says it serves in Spanish.

A grandmother smiles, seated at home.

HUD counseling is free or low-cost

Assistance programs in Williamstown

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

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

Housing counselors near Williamstown

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

  • Navicore Solutions- Hammonton, NJ

    212 Bellevue Ave, Hammonton · 9 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 9 more
    (866) 472-4557

  • Financial Wellness Institute Inc

    3 S Broad St, Woodbury · 14 miles away

    • Budget and financial counseling
    • Budget and credit workshops
    • and 6 more
    (856) 251-0311

  • CCCS of Delaware Valley, Inc. DBA Clarifi

    1060 Kings Highway North, Cherry Hill · 16 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 2 more
    (800) 989-2227

Every agency in Gloucester County All counseling agencies in New Jersey

Help in Spanish near Williamstown

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 Williamstown

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

  • Gloucester County Housing Authority Public housing and Section 8 vouchers (856) 845-4959

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

Cities

Other cities in Gloucester County

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

Everything about Gloucester County Housing in New Jersey

Nearby cities

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

Neighboring counties

If Gloucester 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 Williamstown.

All guides
Two girls write and draw together at the living-room table.

Questions

Housing questions about Williamstown

Short answers with the numbers for Williamstown and all of Gloucester 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 Williamstown?

The typical home value in Williamstown is $278,600, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Gloucester County it is $310,400.

How much does it cost to rent in Williamstown?

Typical rent in Williamstown is $1,266 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Gloucester County is $1,860.

What is the FHA loan limit in Williamstown?

Williamstown uses the FHA limit for all of Gloucester County (2026): $630,200 for a one-unit home and $1,211,950 for a four-unit home.

How much property tax do owners pay in Williamstown?

The typical homeowner in Williamstown pays $6,997 a year, according to the U.S. Census Bureau. That is 2.51% of the home’s value; in Gloucester County, the rate is 2.6%.

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

There is 1 HUD-approved counseling agency with an office in Gloucester 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).