Local
Learn about the people, housing, costs and businesses in Highland Lakes, New Jersey
Real local data across mortgage, insurance, natural hazard, and place.
Rates, calculators, and lender comparisons
FHA, VA, Conventional & Jumbo · Purchase & Refi rates in Highland Lakes.
True all-in cost — P&I, taxes, insurance & utilities for homes in Highland Lakes.
Find and compare lenders active near Highland Lakes.
Homeowners, flood, and specialty coverage estimates
Flood, earthquake, and wildfire risk data
FEMA flood zones and flood insurance estimates for Highland Lakes.
Seismic risk and earthquake insurance estimates for Highland Lakes.
Wildfire exposure and insurance estimates for Highland Lakes.
Cost of living, demographics, and community profile
As of today, the 30-year fixed mortgage rate for Highland Lakes is approximately 6.933% (6.970% APR). Rates vary based on your credit score, loan type, down payment, and other factors. Safe Rate updates rates daily using live investor pricing.
View current rates for Highland LakesThe median home value in Highland Lakes is $318k. The median monthly rent is $2,169. Annual property taxes average $8k. Home values are based on U.S. Census Bureau American Community Survey estimates.
Home values in Highland Lakes have increased 29.1% over the past two years. This indicates a strong appreciation trend. This data is sourced from the Federal Housing Finance Agency (FHFA) House Price Index.
Based on a typical all-in ownership cost of $1,954/month (mortgage, taxes, insurance), you'd generally need a household income of approximately $84k/year to keep housing costs at or below 28% of gross income — a common lender guideline. The median household income in Highland Lakes is $107k/year.
Calculate your buying powerThe largest employment sectors in Highland Lakes are public administration (22%) and healthcare (14%) of the local workforce. Industry data is sourced from the U.S. Census Bureau American Community Survey.