Overview
What Makes a Town Great for First-Time Buyers?
Buying your first home is a big step. The town you choose affects not just your monthly payment but your daily commute, your access to amenities, your property taxes, and your long-term resale value. I have helped hundreds of first-time buyers find the right community, and the most common mistake I see is focusing only on the house while ignoring the town.
The best towns for first-time buyers in South Jersey share a few key traits: affordable entry prices (typically under $400,000 for a starter home), reasonable property taxes, good school systems that protect resale value, safe neighborhoods, and convenient access to jobs and amenities. Below I break down the top contenders across Burlington County, Camden County, Gloucester County, and Mercer County.
Every buyer is different. Your budget, your commute tolerance, your family plans, and your lifestyle preferences all factor into which town is right for you. I encourage you to explore the community guides for detailed information on each town, then schedule a call so we can find the right fit together.
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At a Glance
Quick Comparison: Top Towns for First-Time Buyers
Estimated starter home price ranges and key factors for the most buyer-friendly communities.
| Town | County | Starter Home Range | Commute to Philly | Best For |
|---|---|---|---|---|
| Mount Laurel | Burlington | $300K - $425K | 25-30 min | Commute + schools |
| Marlton | Burlington | $325K - $450K | 25-35 min | Schools + amenities |
| Hainesport | Burlington | $280K - $400K | 30-35 min | Affordability + space |
| Lumberton | Burlington | $275K - $400K | 30-35 min | Affordability + rural feel |
| Delran | Burlington | $260K - $375K | 20-25 min | Quick commute + value |
| Cinnaminson | Burlington | $280K - $400K | 20-25 min | River towns + commute |
| Cherry Hill | Camden | $300K - $450K | 15-20 min | Transit + variety |
| Collingswood | Camden | $280K - $425K | 15-20 min (PATCO) | Walkable downtown + transit |
| Voorhees | Camden | $300K - $450K | 20-25 min | Schools + suburban feel |
| Washington Twp | Gloucester | $260K - $375K | 25-30 min | Value + space |
| Deptford | Gloucester | $240K - $350K | 20-25 min | Most affordable + highway access |
| Mantua | Gloucester | $250K - $365K | 25-30 min | Affordability + rural charm |
| Hamilton | Mercer | $280K - $400K | 35-45 min (NJT) | NJ Transit + value |
| Ewing | Mercer | $260K - $380K | 35-45 min (NJT) | Proximity to Princeton |
Price ranges are estimates based on recent market activity. Actual prices vary by specific neighborhood, home condition, and market conditions. For a personalized analysis, schedule a consultation.
Burlington County
Best Burlington County Towns for First-Time Buyers
Burlington County is the heart of my market. It offers the widest range of options for first-time buyers, from affordable starter-home communities to towns with top-rated schools. These are the towns I recommend most often for buyers looking for value, quality of life, and long-term appreciation.
Mount Laurel
Starter range: $300K - $425K | Commute to Philly: 25-30 min
Mount Laurel is consistently one of the top choices for first-time buyers in Burlington County. The town offers an excellent school system, a central location with easy access to Route 295, the Turnpike, and Route 38, and a diverse housing market that includes affordable townhomes, condos, and starter single-family homes.
What makes Mount Laurel stand out for first-time buyers is the sheer variety of housing options. You will find well-maintained ranches and colonels in established neighborhoods, newer townhome communities, and condos that offer an affordable entry point. Property taxes are moderate compared to some neighboring towns, and the resale market is strong because Mount Laurel is always in demand.
The Lenape Regional High School District serves Mount Laurel, with students attending Lenape High School. The town also has extensive parks, a top-notch library, and abundant shopping and dining along Route 38. For commuters, the Woodcrest PATCO station in Cherry Hill is a short drive away.
Why First-Time Buyers Choose Mount Laurel
- Excellent schools that protect resale value
- Diverse housing stock with condos, townhomes, and single-family
- Central location with easy highway and PATCO access
- Strong resale market for when you are ready to move up
Why First-Time Buyers Choose Marlton
- Top Cherokee High School draws families
- Abundant amenities with shopping, dining, parks
- Affordable townhomes in the low $300Ks
- Active community life with recreation programs and events
Marlton (Evesham Township)
Starter range: $325K - $450K | Commute to Philly: 25-35 min
Marlton is one of the most popular communities for first-time buyers in Burlington County. As part of Evesham Township, it offers excellent schools (Cherokee High School is a major draw), abundant shopping and dining along the Route 70 and Route 73 corridors, and a range of housing options that includes affordable townhomes and condos in addition to traditional single-family homes.
For first-time buyers, Marlton's strength is its combination of lifestyle and value. You get access to outstanding parks and recreation, a well-regarded school system, and a central location that puts Philadelphia, the Shore, and the rest of South Jersey within easy reach. The townhome and condo market is particularly active for first-time buyers, with many properties in the $300,000 to $425,000 range.
Property taxes in Evesham are moderate for Burlington County, and the resale market is consistently strong because the community attracts a steady flow of buyers. If you want suburban amenities, strong schools, and a vibrant community, Marlton is hard to beat.
Hainesport
Starter range: $280K - $400K | Commute to Philly: 30-35 min
Hainesport is one of Burlington County's hidden gems for first-time buyers. This small, family-oriented town offers a quieter, more relaxed lifestyle than its larger neighbors while still providing convenient access to Mount Holly, Route 38, and Route 295. The housing market is more affordable than Mount Laurel or Marlton, with well-maintained single-family homes on generous lots.
The Hainesport Township School District serves students from preschool through eighth grade, with high school students attending Rancocas Valley Regional High School in Mount Holly. The town has a strong sense of community, with active youth sports leagues, a public library, and community events throughout the year.
For first-time buyers who want more space and a quieter setting without sacrificing convenience, Hainesport offers exceptional value. Inventory can be limited, so having a pre-approval and a clear sense of what you want is important.
Why First-Time Buyers Choose Hainesport
- Lower entry prices than nearby towns
- Larger lots for more outdoor space
- Quiet, family-focused community feel
- Good access to Route 38 and Route 295
Why First-Time Buyers Choose Lumberton
- Very affordable starter home prices
- Rural charm with suburban convenience
- Newer construction options in developing areas
- Strong growth potential as the area develops
Lumberton
Starter range: $275K - $400K | Commute to Philly: 30-35 min
Lumberton is an excellent choice for first-time buyers who want more space, lower prices, and a slightly more rural setting, all while remaining within easy reach of Burlington County's employment centers and amenities. The town offers a mix of older homes on large lots and newer construction in developing neighborhoods.
Lumberton students attend the Lumberton Township School District for elementary and middle school, then Rancocas Valley Regional High School. The town has a strong agricultural heritage that is still visible in its open spaces and farm stands, but modern conveniences are never far away. Route 38 and Route 295 provide quick connections to Mount Holly, Cherry Hill, and Philadelphia.
For first-time buyers stretching their budget, Lumberton offers some of the best value in Burlington County. The trade-off is a quieter, less amenity-rich experience than Mount Laurel or Marlton, but for many buyers that is exactly what they are looking for.
Delran & Cinnaminson
Starter range: $260K - $400K | Commute to Philly: 20-25 min
The river towns of Delran and Cinnaminson are two of Burlington County's best-kept secrets for first-time buyers. Located along the Delaware River just northeast of Cherry Hill, they offer the shortest commutes to Philadelphia of any Burlington County towns. The drive to Center City is often 20 to 25 minutes via Route 130 and the Betsy Ross or Tacony-Palmyra Bridge.
Both towns offer affordable housing stock with a mix of older homes, ranches, colonials, and some newer construction. Property taxes are reasonable compared to other Burlington County communities. Delran schools feed into Delran High School, while Cinnaminson students attend Cinnaminson High School. Both districts are solid and well-regarded by local families.
These towns offer a more modest, blue-collar character than the higher-profile communities to the east. For first-time buyers who prioritize commute time and affordability over prestige, Delran and Cinnaminson deliver outstanding value. The riverfront parks and marinas are a bonus for outdoor enthusiasts.
Why First-Time Buyers Choose Delran & Cinnaminson
- Shortest commute to Philadelphia under $400K
- Affordable entry prices with good value
- Solid school districts that serve families well
- Riverfront parks and outdoor recreation access
Camden County
Best Camden County Towns for First-Time Buyers
Camden County offers the best transit access to Philadelphia, with PATCO stations dotting the county and providing quick, reliable rail service. For first-time buyers who commute to Center City, these towns are hard to beat.
Cherry Hill
Starter range: $300K - $450K | Commute to Philly: 15-20 min
Cherry Hill is one of the most recognizable names in South Jersey real estate, and for good reason. It offers an incredible variety of housing, top-rated schools, abundant shopping and dining at the Cherry Hill Mall and surrounding areas, and a commute to Philadelphia that rivals any suburb in the region.
For first-time buyers, Cherry Hill's size and diversity are major advantages. You can find affordable townhomes and condos near the PATCO stations, starter homes in older neighborhoods, and fixer-uppers with great potential. The school system is excellent, with Cherry Hill High School East and West both consistently ranked among the best in South Jersey.
The trade-off is that property taxes in Cherry Hill are on the higher side, and competition for well-priced homes can be fierce. You need a strong offer strategy and a responsive lender. That is where my experience and AI-powered market data make a real difference for first-time buyers.
Why First-Time Buyers Choose Cherry Hill
- PATCO rail access to Center City in under 20 min
- Top-rated schools East and West high schools
- Massive housing variety across dozens of neighborhoods
- Unmatched amenities at the mall, restaurants, and parks
Why First-Time Buyers Choose Collingswood
- Walkable downtown with restaurants and shops
- PATCO station with 15-min ride to Philly
- Victorian charm with character homes
- Strong community with events like the farmers market
Collingswood
Starter range: $280K - $425K | Commute to Philly: 15-20 min (PATCO)
Collingswood is the classic walkable South Jersey borough. Its tree-lined streets, Victorian homes, and vibrant downtown with independent restaurants, coffee shops, and a year-round farmers market make it one of the most desirable communities for buyers who want an urban feel without leaving the suburbs.
The PATCO station in the heart of Collingswood puts Center City Philadelphia just 15 minutes away. The Collingswood School District is solid, and the town has a strong community identity with events like the Collingswood Food & Wine Festival and May Fair drawing crowds from across the region.
For first-time buyers, the trade-off is that homes in Collingswood are often older and may need updates. But the walkability, transit access, and community character make it a compelling choice for buyers who value lifestyle over square footage. Inventory can be tight, so acting quickly when the right home appears is important.
Voorhees
Starter range: $300K - $450K | Commute to Philly: 20-25 min
Voorhees offers a suburban feel similar to Mount Laurel but with the added benefit of PATCO access via the Ashland station. The town is known for its excellent schools (Voorhees Middle School and Eastern Regional High School), well-maintained neighborhoods, and convenient access to Route 73 and the PATCO Speedline.
For first-time buyers, Voorhees offers a range of housing options, including affordable townhomes and condos in communities like the Townes at Voorhees and older single-family homes in established neighborhoods. Property taxes are moderate for Camden County, and the resale market is strong.
Voorhees is particularly well-suited for first-time buyers who plan to have children or already have a family. The schools are a major draw, and the town's parks and recreation programs are excellent. The commute to Philadelphia via PATCO is about 25 minutes from the Ashland station, with ample parking for commuters.
Why First-Time Buyers Choose Voorhees
- Eastern Regional High School is top-ranked
- Ashland PATCO station for commuting
- Excellent parks and recreation programs
- Balanced suburban lifestyle with transit access
Gloucester County
Best Gloucester County Towns for First-Time Buyers
Gloucester County offers some of the most affordable entry points in South Jersey. For first-time buyers who want more space for their money and are willing to trade a few extra minutes of commute time, these towns deliver outstanding value.
Washington Township
Starter range: $260K - $375K | Commute to Philly: 25-30 min
Washington Township is one of Gloucester County's largest and most established communities. It offers excellent value for first-time buyers, with a wide range of affordable housing options, solid schools, and abundant amenities along the Route 42 corridor. The Washington Township School District is well-regarded, and the town has extensive parks and recreation programs.
The housing market in Washington Township includes everything from affordable townhomes and starter ranches to larger single-family homes in newer subdivisions. The town's location provides easy access to Routes 42, 55, and I-295, making commutes to Philadelphia (25-30 minutes), Wilmington, and South Jersey employment centers convenient.
For first-time buyers stretching their budget, Washington Township offers one of the best value propositions in South Jersey. You get solid schools, good amenities, and a strong community feel at prices that are often $50,000 to $75,000 less than comparable homes in Burlington County.
Why First-Time Buyers Choose Washington Twp
- Very affordable starter homes under $350K
- Solid school district with good programs
- Abundant shopping along Route 42
- Easy highway access to Philly and Wilmington
Why First-Time Buyers Choose Deptford
- Lowest entry prices in South Jersey under $350K
- Excellent highway access at Routes 42 and 55
- Deptford Mall and abundant retail
- Strong rental market if plans change
Deptford
Starter range: $240K - $350K | Commute to Philly: 20-25 min
Deptford is one of the most affordable communities in South Jersey for first-time buyers, and it offers a surprising amount of convenience. Located at the junction of Routes 42 and 55, Deptford provides quick access to Philadelphia (20-25 minutes), Wilmington, and the rest of Gloucester County.
The Deptford Mall anchors the town's retail scene, and the surrounding corridor is filled with shopping, dining, and services. The Deptford Township School District serves the community, with Deptford High School as the main public high school. The housing stock includes affordable ranches, colonials, and townhomes.
For first-time buyers who want the lowest possible entry price and don't need the top-tier school ratings of Moorestown or Haddonfield, Deptford is a smart choice. The lower purchase price means a smaller down payment and lower monthly payments, which can make the difference between buying now and waiting another year.
Mantua & Swedesboro
Starter range: $250K - $365K | Commute to Philly: 25-30 min
Mantua and Swedesboro offer first-time buyers a charming small-town experience with easy access to the broader South Jersey region. These historic Gloucester County towns have strong community identities, affordable housing, and a more relaxed pace of life.
Mantua is located along Route 45 and offers a mix of older homes with character and newer construction. The Clearview Regional School District serves Mantua and is well-regarded. Swedesboro, with its historic downtown along King's Highway, offers a unique sense of place and access to the Delaware River waterfront.
Both towns are within easy reach of Routes 55 and 322, providing commutes to Philadelphia in about 25-30 minutes. For first-time buyers who want a true community feel and more space for their money, Mantua and Swedesboro are excellent options worth exploring.
Why First-Time Buyers Choose These Towns
- Small-town character with historic charm
- Affordable prices under $350K for many homes
- More space and larger lots than denser suburbs
- Strong sense of community and local events
Mercer County
Best Mercer County Towns for First-Time Buyers
Mercer County offers proximity to Princeton, strong NJ Transit connections to New York and Philadelphia, and a range of communities from historic college towns to affordable suburbs.
Hamilton
Starter range: $280K - $400K | Commute to Philly/NYC: 35-45 min (NJT)
Hamilton is one of Mercer County's most accessible communities for first-time buyers. The town has a strong suburban identity with excellent schools (Steinert and Hamilton High Schools, plus Nottingham), abundant parks and recreation, and convenient access to the Hamilton NJ Transit station, which provides direct service to New York Penn Station and Trenton Transit Center (connecting to Philadelphia).
The housing market in Hamilton is one of the most affordable in Mercer County. You will find a wide range of options, from starter ranches and split-levels on quiet suburban streets to newer townhome communities. Property taxes are moderate for Mercer County, and the town's location provides easy access to both Princeton and the major highways (I-195, I-295, Route 130).
For first-time buyers who work in Mercer County, commute to New York via NJ Transit, or want proximity to Princeton without the Princeton price tag, Hamilton is an outstanding choice. The size of the town means steady inventory and good resale potential.
Why First-Time Buyers Choose Hamilton
- NJ Transit access to NYC in about 75 min
- Diverse housing stock with affordable options
- Strong schools with multiple high schools
- Close to Princeton without the premium pricing
Why First-Time Buyers Choose Ewing
- Directly adjacent to Princeton
- Affordable prices with good value
- Trenton Transit Center for regional rail access
- Parks and green spaces along the Delaware
Ewing
Starter range: $260K - $380K | Commute to Philly/NYC: 35-45 min (NJT)
Ewing is a hidden gem for first-time buyers who want proximity to Princeton without the premium price tag. Located directly adjacent to Princeton University and the town of Princeton, Ewing offers affordable housing in a convenient location with access to Trenton Transit Center for NJ Transit service to New York and Philadelphia.
The Ewing School District serves the community, and nearby private schools and Princeton's cultural amenities add to the appeal. The housing stock includes affordable ranches, colonials, and townhomes, with prices significantly lower than Princeton itself. Ewing also has beautiful parks along the Delaware River, including the popular Washington Crossing State Park area.
For first-time buyers who work at the university, in Trenton, or commute to New York via NJ Transit, Ewing offers a compelling combination of affordability and location. It is a smart buy for those who want to build equity in a market with strong long-term potential.
Decision Guide
Key Factors to Consider When Choosing a Town
Price & Property Taxes
Your monthly payment is determined by more than just the purchase price. Property taxes in New Jersey vary dramatically by town. A $350,000 home in one town might have $5,000 in annual taxes while a $350,000 home in another has $10,000. That difference of over $400 per month affects what you can afford. I provide every buyer with a detailed tax analysis for any property they are considering.
School Quality
Even if you do not have children, school quality directly affects home values and resale potential. Homes in towns with top-rated schools tend to appreciate faster and sell more quickly. For first-time buyers, choosing a town with strong schools is one of the smartest long-term financial decisions you can make, even if schools are not an immediate need.
Commute Time & Transit Access
Your commute is one of the most consistent costs of homeownership in terms of time and money. Proximity to PATCO (Camden County), NJ Transit (Mercer County), or major highways like I-295, the Turnpike, and Route 42 can save you hours each week. I always help buyers calculate realistic commute times and factor them into their town decision.
Safety & Community Character
Every town has a personality. Some are walkable with vibrant downtowns (Collingswood, Haddonfield). Others are quiet suburban bedroom communities (Mount Laurel, Washington Twp). Some offer historic charm (Moorestown, Medford), while others are more rural and spread out (Lumberton, Shamong). Your comfort and safety in a community matter as much as the numbers. I encourage every buyer to visit the towns they are considering at different times of day.
Resale Value & Growth Potential
Most first-time buyers stay in their home for 5 to 10 years. The town you choose today will determine your equity when you are ready to move up. Towns with strong schools, good amenities, and convenient locations tend to appreciate consistently. I analyze historical appreciation trends and current development plans to help buyers choose towns with strong growth potential.
Your Guide to First-Time Home Buying
Bob Millaway | Redfin Senior Agent
I have helped over 600 families buy and sell homes in South Jersey, and I have worked with hundreds of first-time buyers. I know these towns inside and out. I know which neighborhoods offer the best value, which school districts are most sought after, and which communities have the strongest growth potential.
My approach is built on education, honesty, and guidance. I will never pressure you into a town or a home that does not fit your needs. Instead, I will give you the data, insights, and local knowledge you need to make a confident decision. Whether you are ready to buy today or just starting to explore, I am here to help.
FAQ
What Do Clients Ask About First-Time Home Buying?
How much do I need for a down payment on a first home?
Many first-time buyers believe they need 20% down, but that is rarely the case. FHA loans allow as little as 3.5% down, and conventional loans can go as low as 3% for qualified buyers. VA loans (for veterans) and USDA loans (for eligible rural and suburban areas) offer zero down payment options. New Jersey also has down payment assistance programs for first-time buyers through the NJHMFA. I can connect you with a lender who will walk through all your options.
Which South Jersey town is most affordable for first-time buyers?
Deptford in Gloucester County and Delran in Burlington County consistently offer some of the lowest entry prices for first-time buyers in South Jersey, with starter homes often available in the $240,000 to $300,000 range. Lumberton, Mantua, and Washington Township also offer strong value. The key is balancing price with factors like commute time, school quality, and property taxes. I can help you evaluate the trade-offs for your specific situation.
What is the best town near Philadelphia for first-time buyers?
For first-time buyers who commute to Philadelphia, Collingswood and Cherry Hill in Camden County are top choices. Collingswood offers a walkable downtown and direct PATCO access with homes starting around $280,000. Cherry Hill offers more housing variety and excellent schools with a commute under 20 minutes. In Burlington County, Delran and Cinnaminson offer quick drives to Philly (20-25 minutes) at very affordable prices.
Are property taxes the same in every South Jersey town?
Not even close. Property taxes vary significantly by municipality, school district, and services. In Burlington County, annual taxes on a $350,000 home can range from about $5,500 in some towns to over $10,000 in others. This difference of several hundred dollars per month directly affects affordability. I always provide a detailed tax analysis before my clients make an offer so there are no surprises.
How do I know which town is right for my lifestyle?
Start by ranking your priorities: commute time, school quality, budget, walkability, and community feel. Then spend time in the towns you are considering. Visit the downtown, drive through neighborhoods at different times of day, check out a local park or coffee shop. I also provide detailed community guides for each town I serve, including market data, school information, and lifestyle insights. Explore the community guides to get started.
Should I consider a fixer-upper as a first-time buyer?
A fixer-upper can be a smart way to get into a desirable town at a lower price, but only if you have the budget, time, and tolerance for renovations. FHA 203(k) loans and conventional renovation loans can roll repair costs into your mortgage. I always recommend getting a thorough home inspection and realistic contractor estimates before committing. I can connect you with trusted local contractors and help you evaluate whether a fixer-upper makes sense for your situation.
How long does it take to buy a first home in South Jersey?
From getting pre-approved to closing, the typical timeline is 60 to 90 days. Pre-approval takes 1-3 days. Finding the right home can take anywhere from a few weeks to a few months depending on inventory and your criteria. Once you have an accepted offer, the closing process in New Jersey typically takes 30 to 45 days for inspections, appraisal, loan processing, and final signing. I guide you through every step to keep things moving smoothly.
What first-time buyer programs are available in New Jersey?
New Jersey offers several programs to help first-time buyers. The NJHMFA provides down payment assistance in the form of a forgivable, zero-interest second loan for eligible buyers. FHA loans are popular for their low 3.5% down payment requirement. Many towns also have specific programs for teachers, first responders, and other professionals. I work with trusted local lenders who specialize in first-time buyer programs and can help you explore every option.
Can I afford a home in Burlington County on a single income?
Yes, many first-time buyers in Burlington County purchase homes on a single income. Towns like Hainesport, Lumberton, Delran, and Cinnaminson offer starter homes well within reach of buyers earning $60,000 to $80,000 annually, depending on their down payment and debt profile. FHA loans with 3.5% down make homeownership accessible even with a modest down payment. The key is getting pre-approved early so you know exactly what you can afford.
Is it better to buy a condo, townhome, or single-family home as a first-time buyer?
It depends on your priorities. Condos and townhomes are often more affordable, require less maintenance, and may include amenities like pools and gyms. Single-family homes offer more privacy, space, and usually stronger appreciation. Many first-time buyers start with a condo or townhome to build equity, then trade up to a single-family home later. I help you weigh the trade-offs based on your budget, lifestyle, and long-term plans.
Explore More
Helpful Resources for First-Time Home Buyers
First-Time Buyer Guide
Everything you need to know to buy your first home in South Jersey, from pre-approval to closing.
Complete Buyer Guide
A step-by-step walkthrough of the entire home buying process in South Jersey.
Buyer Advantage Program
Get a competitive edge with pre-market access, AI-powered analytics, and a data-driven offer strategy.
Relocation Hub
Moving to South Jersey from another area? Start here for community comparisons and guidance.
Mortgage Center
Rates, calculators, and financing resources to understand your budget and get pre-approved.
Community Guides
Explore Burlington County, Camden County, Gloucester County, and Mercer County communities in detail.
Ready to Find Your First Home?
Let's Find the Right Town for You
Whether you are ready to buy today or just starting to explore your options, I am here to help. No pressure. No obligation. Just honest guidance from someone who has helped hundreds of first-time buyers find their perfect community.
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