2026 State DSCR & Cap-Rate Intelligence Report · New Jersey (NJ) · findloanbrokers.com

New Jersey (NJ) Rental Property DSCR, Tax & Cap-Rate Benchmark Report

New Jersey Executive Underwriting Summary: Across 17 tracked New Jersey investment markets, 1–4 unit rental properties average $495,000 in acquisition price against $3,750/month in Form 1007 market rent (9.09% gross rental yield) and $2,150/door/month on 5–25 unit multifamily assets. Investors underwriting New Jersey DSCR loans must factor a 2.23% effective property tax rate (~$11,039/yr), $530/$100k hazard insurance (~$2,624/yr), and a Judicial (Superior Court Chancery Division) statutory framework (210–300 days typical timeline).
1–4u Base Price / Rent
$495,000 / $3,750
Gross Rental Yield
9.09% Annual
Tax & Hazard Escrow
2.23% Tax · $530/100k
Foreclosure & Timeline
Judicial (Superior Court Chancery Division) (210–300 days)

New Jersey City-by-City DSCR, Tax & Multifamily Benchmark Table (17 Markets)

City & CountyPopulation1–4u Median PriceForm 1007 Median RentTax RateCity Desk
Newark, NJ (ESSEX County County)303,485$555,000$4,150/mo2.36%Open Newark Hub →
Jersey City, NJ (HUDSON County County)280,503$495,000$3,800/mo2.19%Open Jersey City Hub →
Paterson, NJ (PASSAIC County County)159,083$565,000$4,250/mo2.23%Open Paterson Hub →
Elizabeth, NJ (UNION County County)139,038$470,000$3,550/mo2.19%Open Elizabeth Hub →
Clifton, NJ (PASSAIC County County)93,075$465,000$3,550/mo2.14%Open Clifton Hub →
Trenton, NJ (MERCER County County)91,940$510,000$3,800/mo2.27%Open Trenton Hub →
Camden, NJ (CAMDEN County County)83,824$435,000$3,350/mo2.14%Open Camden Hub →
Passaic, NJ (PASSAIC County County)77,246$480,000$3,650/mo2.27%Open Passaic Hub →
Union City, NJ (HUDSON County County)74,389$490,000$3,700/mo2.36%Open Union City Hub →
Bayonne, NJ (HUDSON County County)70,881$485,000$3,650/mo2.32%Open Bayonne Hub →
East Orange, NJ (ESSEX County County)70,353$505,000$3,800/mo2.23%Open East Orange Hub →
Vineland, NJ (CUMBERLAND County County)66,545$440,000$3,400/mo2.19%Open Vineland Hub →
New Brunswick, NJ (MIDDLESEX County County)60,856$505,000$3,800/mo2.23%Open New Brunswick Hub →
Hoboken, NJ (HUDSON County County)57,307$485,000$3,650/mo2.32%Open Hoboken Hub →
West New York, NJ (HUDSON County County)56,813$515,000$3,850/mo2.32%Open West New York Hub →
Perth Amboy, NJ (MIDDLESEX County County)56,660$505,000$3,800/mo2.23%Open Perth Amboy Hub →
Plainfield, NJ (UNION County County)55,141$500,000$3,750/mo2.41%Open Plainfield Hub →

Related New Jersey Underwriting & Deal Team Hubs

New Jersey (NJ) 2026 DSCR, Cap Rate & Rental Market Intelligence Report | findloanbrokers.com