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City · 6,301 residents · Mercer County, New Jersey

Yardville , New Jersey

In Yardville, a typical home is worth $360,100 and typical rent is $1,661 a month. Compared with all of Mercer County, the share of households that own their home is 17 points higher.

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  • Typical home value

    $360,100

    5% below the county

    21% below New Jersey

    • Yardville
    • Mercer
    • New Jersey

  • Typical rent

    $1,661a month

    2% above the county

    3% below New Jersey

    • Yardville
    • Mercer
    • New Jersey

  • Typical household income

    $103,274a year

    3% above the county

    About the same as New Jersey

    • Yardville
    • Mercer
    • New Jersey

  • Households that own their home

    80%

    17 points above the county

    16 points above New Jersey

    • Yardville
    • Mercer
    • New Jersey

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

Yardville 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 Yardville apart

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

  1. Nearby, in Trenton, the typical home value is $160,700: 55% less than in Yardville ($360,100).

  2. Yardville has the 11th largest share of rent-burdened renters of the 249 cities in New Jersey with more than 5,000 people (71%).

  3. 80% of households in Yardville own their home, against 62% in Mercer County.

  4. Nearby, in Trenton, the typical rent is $1,294: 22% less than in Yardville ($1,661).

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

The homes here

Housing in Yardville

What homes there are in Yardville, 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 70% of homes here, against 48% in Mercer County.

Year built

The typical home in Yardville was built in 1964, 5 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

$2,528 a month

Mercer County: $2,615 a month

Without a mortgage

$1,048 a month

Mercer County: $1,136 a month

Owners with a mortgage

52%

Mercer County: 62%

Owning costs about the same in Yardville as in Mercer County: with a mortgage, $2,528 a month; without one, $1,048.

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

Since 2015–2019, homes in Yardville gained value faster than in Mercer County: 43% against 30%.

The typical rent in Yardville rose 39% 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

MeasureYardvilleMercer 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 2.332.562.622.53
Drive alone 83%60%62%69%
Carpool Unreliable estimate9%8%9%
Public transit Unreliable estimate5%8%3%
Walk or bike Unreliable estimate4%3%3%
Work from home 13%20%17%15%
Other means Unreliable estimate3%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

Households in Yardville are smaller: 2.33 people on average; in Mercer County, 2.56.

In Yardville, 83% 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 Yardville?

A typical home costs more than the typical income allows

We start with a typical home in Yardville, worth $360,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 40% of the typical household income in Yardville, which is $103,274 a year. For that payment to be 28% of income, a household would need to earn about $145,747 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 Yardville. 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 $12,604 (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

$3,401

at 7.18% · 30 years

Loan amount
$353,577
Total interest
$508,715
Paid off in
November 2056

Includes $6,081 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,410 a month

  • Tight

    $2,410 to $3,098 a month

  • Hard

    more than $3,098 a month

    Your payment · 40%

Compared with the typical household income in Yardville ($103,274 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,401
Principal & interest$2,395
Property tax$696
Home insurance$150
FHA mortgage insurance (MIP)$159

You need at least $12,604 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

Yardville and Mercer County

Yardville 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).

Yardville's own numbers

Typical home value
$360,100
Typical monthly rent
$1,661
Typical yearly household income
$103,274
Households that own their home
80%
Effective property tax rate
2.32%

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 Yardville

A typical home in Yardville is worth $360,100: 5% below the county and 21% below New Jersey. With the typical household income in Yardville ($103,274 a year), a typical home costs 3.5 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.

  • Yardville 3.5 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

Yardville 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
  • Yardville $360,100
  • Mercer $377,700
  • New Jersey $454,400
  • United States $332,700
Typical monthly rent
  • Yardville $1,661
  • Mercer $1,623
  • New Jersey $1,720
  • United States $1,413
Typical yearly household income
  • Yardville $103,274
  • Mercer $100,645
  • New Jersey $103,556
  • United States $80,734
See the full table
Yardville next to Mercer County and New Jersey
Measure Yardville Mercer County New Jersey U.S.
Typical home value $360,100 $377,700 $454,400 $332,700
Typical monthly rent $1,661 $1,623 $1,720 $1,413
Typical yearly household income $103,274 $100,645 $103,556 $80,734
Households that own their home 80% 62% 64% 65%
Typical yearly property tax $8,343 $8,909 $9,590 $3,119
Effective property tax rate 2.32% 2.36% 2.11% 0.94%
Renters with high rent for their income 71% 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 Yardville

For a typical $360,100 home in Yardville, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Yardville's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,401a month

    Least cash to close
    Down payment
    $12,604
    Cash to close
    $23,407
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $159

  • Conventional, 5% down $3,335a month

    Down payment
    $18,005
    Cash to close
    $28,808
    Rate
    7.18%
    Mortgage insurance
    PMI · $171

  • Conventional, 20% down, no PMI $2,798a month

    Down payment
    $72,020
    Cash to close
    $82,823
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,131a month

    Down payment
    $54,015
    Cash to close
    $64,818
    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 Yardville and for Mercer County.

Property tax

Effective rate in Yardville

2.32%of the home’s value each year

$8,343 a year for the typical owner in Yardville.

  • Yardville 2.32%
  • 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 Yardville

Typical rent in Yardville is $1,661 a month: 2% above the county. In Yardville, 71% 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 Yardville

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Yardville has 2 ZIP codes with their own.

For 2 bedrooms it runs from $2,070 in 08620 to $2,820 in 08691.

1 of the 2 is above the fair market rent for Mercer County ($2,242).

  • 08620 $2,070$2,520
  • 08691 $2,820$3,450

2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Yardville 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 Yardville

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 Yardville

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

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

Housing counselors near Yardville

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

  • Isles, Incorporated

    10 Wood St, Trenton · 6 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 · 6 miles away

    (917) 974-5922

  • Navicore Solutions

    200 US Highway 9, Manalapan · 21 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 Yardville

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 Yardville

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

All guides
A mother smiles as she carries her young daughter on her shoulders (black and white).

Questions

Housing questions about Yardville

Short answers with the numbers for Yardville 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 Yardville?

The typical home value in Yardville is $360,100, 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 Yardville?

Typical rent in Yardville is $1,661 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 Yardville?

Yardville 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 Yardville?

The typical homeowner in Yardville pays $8,343 a year, according to the U.S. Census Bureau. That is 2.32% of the home’s value; in Mercer County, the rate is 2.36%.

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

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).