Real Estate
Calculators
Quick estimates for the Greater Princeton market, your monthly mortgage payment with local property taxes, how much home you can afford, and a seller net-proceeds tool with a built-in NJ Realty Transfer Fee (RTF) / transfer tax calculator.
Estimate only. In NJ, property tax is billed on a home's assessed value, which often differs from the sale price, we default the assessment to your price, so enter the actual assessment for a precise figure. Town rates are approximate; confirm your property's rate. PMI is estimated at 0.5%/yr of the loan when the down payment is under 20%.
Uses the standard 28/36 rule: housing costs up to 28% of gross monthly income, total debt up to 36%. A lender's pre-approval considers credit, assets, and program type and is the real number to plan around. Ask us for a trusted lender introduction →
Estimate only, not legal or tax advice. The NJ Realty Transfer Fee is the state's seller-paid graduated schedule; as of July 10, 2025 sales over $1,000,000 also carry a seller-paid graduated fee (1% to 3.5% of the full price). Confirm exact figures with your attorney or the NJ REALTORS® RTF calculator. Capital-gains tax (if any) is separate.
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Calculator & transfer tax guide
New Jersey's Realty Transfer Fee (RTF), often searched as the "NJ transfer tax" or "realty transfer tax", is a state fee the seller pays at closing when a property changes hands. It is graduated, so it scales with the sale price. Enter a price below for the fee on its own, or use the Net Proceeds & NJ Transfer Fee tab above for a full seller net sheet. Both include the seniors/disabled reduction and the 2025 graduated fee on homes over $1 million.
How much is the NJ Realty Transfer Fee?
It is graduated by sale price, a fraction of one percent that rises as the price climbs. For most Greater Princeton homes it lands in the low-to-mid four figures, and into five figures on luxury sales. The calculator above gives your exact RTF for any price.
Who pays the realty transfer fee in NJ, buyer or seller?
The seller pays the RTF at closing. Sellers who are 62 or older, blind, or disabled get roughly a 50% reduction on a primary residence.
What about homes over $1 million (the "mansion" fee)?
As of July 10, 2025, sales over $1,000,000 carry an additional seller-paid graduated fee of 1% to 3.5% of the full purchase price, a change from the prior buyer-paid 1% mansion tax. The calculator applies it automatically once the price crosses $1M.
Is the transfer fee the same as capital-gains tax?
No. The Realty Transfer Fee is a transfer cost at closing; capital-gains tax (if any) is separate and based on your profit. To defer capital gains on an investment sale, see our 1031 exchange calculator & guide.