The median home in Spotswood, New Jersey is valued at $552,403, up 3.0% year over year. Spotswood 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$552,403

+3.0%

Prices rising — worse for buyers.

Affordability

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Income (annual)

Down Payment

$110,481 on $552,403

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

Out of reach64.8% of income

Need $173,443/yr to afford.

PITI$4,047

P/I64.8%

Afford$239K

Gap-$314K

P&I $2,793Tax $1,137Ins $117

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 Spotswood 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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Spotswood, NJ