East Brunswick, NJ · 9 Colburn Dr

Mortgage Calculator

Estimate your monthly payment including principal, interest, property taxes, homeowners insurance, and PMI. Defaults are pre-filled with verified East Brunswick data.

Loan Details

$
$100K$2M
$121,800
%
0%50%
%
2%12%

Property Costs

%
Est. annual tax: $13,928(East Brunswick TWP 2025 effective rate: 2.287%)
$/yr

Data Sources & Disclaimers

  • Property tax rate: NJ State 2025 Official Tax Rates (East Brunswick TWP: 2.287% effective)
  • Avg home price: $609,048 (Zillow, Feb 2026)
  • 30-yr mortgage rate: 6.38% (Freddie Mac, Mar 26 2026)
  • PMI rate: ~0.75% annually (applied when LTV > 80%)
  • Homeowners insurance: ~$1,200/yr NJ average
  • This calculator is for estimation only. Consult a licensed lender for exact figures.

Estimated Monthly Payment

$4,302

per month (PITI)

Loan Amount

$487,200

Down Payment

$121,800 (20%)

LTV Ratio

80.00%

Loan Term

30 years

Monthly Breakdown

$4,302/month
Principal & Interest
$3,041(71%)
Property Tax
$1,161(27%)
Insurance
$100(2%)

Principal & Interest

$487,200 loan @ 6.38%

$3,041/mo

Property Tax

2.29% of home value / 12

$1,161/mo

Homeowners Insurance

$1,200/yr ÷ 12

$100/mo

Total Monthly Payment$4,302

Loan Summary

Total Principal

$487,200

Amount borrowed

Total Interest

$607,592

Over 30 years

Total Cost

$1,216,592

Price + interest

💡 Affordability Rule of Thumb

Lenders typically recommend keeping your total monthly housing cost (PITI) below 28% of gross monthly income. At $4,302/mo, you'd need a gross income of approximately $184,360/year to qualify comfortably.