The median home in Jersey City sold for $770K in 2025. Average property taxes run $14,200/year. And if you'd put an $80K down payment into an S&P 500 index fund in 2020 instead of buying, you'd have about $184,000 today.
This tool uses actual Jersey City sale prices, tax bills, and stock market returns — not national averages — to compare three scenarios: keep renting, rent and invest the difference, or buy. Pick your neighborhood and property type below, and it runs the math on real data from 64,000+ properties.
One thing worth noting: two-family homes in the Heights and Journal Square often cost less per month than a condo Downtown once you factor in rental income from the second unit.
Enter your rent history below to see how the numbers work for you.
When did you start renting? We'll calculate what you've paid.
| Year | Monthly Rent | Annual Total |
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Here's what that same time period could have looked like.
| Year | Monthly | Annual | Cumulative |
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| Year | Rent Paid | Invested | S&P Return | Portfolio |
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| Year | Mortgage | Tax | Ins+Maint | Net Monthly | Equity |
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See rental income modeling, depreciation benefits, tax deductions, and Monte Carlo simulations using actual JC property data.
Run the two-family model →