The median home in Chatham, New Jersey is valued at $1,266,015, up 8.7% year over year. Typical monthly rent is $2,820, producing a price-to-rent ratio of 37.4x — well above the national average of 18x. Chatham is part of the New York-Newark-Jersey City, NY-NJ-PA metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

Home Value$1,266,015

+8.7%

Rent$2,820/mo

Prices rising — worse for buyers.

Affordability

Enter your income for Chatham.

Income (annual)

Down Payment

$253,203 on $1,266,015

Example: $75,000 household income. Change it above to see your own.

Out of reach146% of income

Need $391,029/yr to afford.

PITI$9,124

P/I146%

Afford$243K

Gap-$1.02M

P&I $6,402Tax $2,606Ins $117

Renting $6,304/mo cheaper ($2,820 rent)6.50% 30yr, 20% down, county tax + NJ ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Other cities in New Jersey

Compare Chatham with other housing markets across New Jersey.

Deal$4.21M Alpine$2.96M Loch Arbour$2.88M Avalon$2.63M Stone Harbor$2.48M Bay Head$2.36M Sea Girt$2.3M Short Hills$2.26M

Full New York-Newark-Jersey City, NY-NJ-PA analysis

Stress scores, crash risk, early warning signals, and 12-month price forecasts for the New York-Newark-Jersey City, NY-NJ-PA metro.

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Chatham, NJ