Cost of Living in Bordentown NJ: What You Need to Know Before Moving

A practical guide to housing, property taxes, commuting expenses, and everyday costs in one of South Jersey's most historic and walkable communities.

By Robert "Bob" Millaway, AI Certified Agent™ & South Jersey Relocation Specialist

Quick Answer

If you are considering a move to Bordentown, New Jersey, you are likely drawn to its stunning historic architecture, vibrant downtown, and incredible location at the crossroads of major highways. But before you fall in love with a Victorian home on Farnsworth Avenue or a spacious colonial in the Township, you need to understand the financial realities of living here.

What does it actually cost to live in Bordentown? How do property taxes impact your monthly budget? And does the lifestyle justify the expense? In this comprehensive guide, we will break down the true cost of living in Bordentown, NJ, to help you make an informed relocation decision.

How Expensive Is Bordentown NJ?

When evaluating the cost of living in Bordentown, context is everything.

• Compared to National Averages: Bordentown, like most of New Jersey, is significantly more expensive than the national average. Housing and property taxes are the primary drivers of this difference.
• Compared to New Jersey: Bordentown sits comfortably in the middle. It is far more affordable than the ultra-expensive commuter towns of North Jersey or the coastal communities, but it commands a higher price than some rural or deeply southern parts of the state.
• Compared to Burlington County: Bordentown is a highly desirable community. It is more expensive than neighboring Florence or Burlington City, but generally more accessible than premium luxury markets like Moorestown or Medford.

Housing Costs in Bordentown

The Bordentown real estate market is competitive, driven by low inventory and high buyer demand. Your housing costs will depend heavily on whether you choose the historic City or the suburban Township.

• Historic Homes and Downtown Housing: In Bordentown City, you are paying for walkability, charm, and history. Federal and Victorian homes command strong prices. While you might find smaller rowhomes or twins that offer a more accessible entry point, historic preservation and maintenance must be factored into your budget.
• Colonials and Single-Family Homes: Bordentown Township offers traditional suburban living. Mid-century ranches and larger colonials on spacious lots are common, appealing to families and move-up buyers.
• Townhomes: The Township features several newer townhome communities that are very popular with first-time buyers and downsizers. While the purchase price may be lower, buyers must account for monthly HOA fees.

How Bordentown Compares: If Bordentown's housing market stretches your budget, nearby Florence and Roebling offer more affordable riverfront living. Burlington City provides historic charm at a lower price point, while Riverton offers a similar but more upscale, quieter Victorian riverfront experience.

Property Taxes in Bordentown NJ

You cannot discuss the cost of living in New Jersey without talking about property taxes. New Jersey has some of the highest property tax rates in the nation, and Bordentown is no exception.

These taxes fund the highly-rated Bordentown Regional School District, local police, fire departments, and municipal services. When using a mortgage calculator, it is absolutely critical to include accurate local tax estimates, as they will significantly impact your monthly payment and overall purchasing power.

Utility Costs

Utility costs in Bordentown are generally in line with the rest of South Jersey.

• Electric and Natural Gas: Provided by regional utility companies like PSE&G. Costs vary widely based on the size, age, and energy efficiency of your home. Historic homes in the City may have less insulation and older systems, leading to higher heating and cooling bills compared to newer construction in the Township.
• Water and Sewer: Municipal water and sewer services are standard and billed regularly.
• Internet: High-speed internet and cable services are readily available from major providers like Xfinity and Verizon, with competitive pricing based on your chosen package.

Transportation and Commuting Costs

Bordentown is a commuter's paradise, but transit costs are a necessary budget item.

• Vehicle Ownership: While Bordentown City is highly walkable, living in the Township or commuting regionally requires a car. You must budget for New Jersey's relatively high auto insurance rates, fuel, and maintenance.
• Tolls: With immediate access to the NJ Turnpike, frequent travelers must budget for E-ZPass tolls.
• Philadelphia Commuting: Driving to Philly is straightforward via I-295, but requires paying bridge tolls. Alternatively, taking the River Line to Camden and transferring to PATCO is a cost-effective public transit option.
• NYC Commuting: Commuting to Manhattan typically involves driving to the Hamilton Transit Station, paying for parking, and purchasing a monthly NJ Transit pass. While this adds up, it is often much cheaper than paying North Jersey housing prices.

Healthcare Costs

Healthcare costs in Bordentown align with state averages. Residents have excellent access to world-class medical care, with regional health systems like Virtua, Capital Health, and Penn Medicine operating nearby facilities. For retirees, proximity to quality healthcare is a major advantage of the area.

Groceries, Dining and Everyday Expenses

Everyday expenses in Bordentown are manageable, but the vibrant local lifestyle can influence your spending.

Grocery shopping is convenient, with local supermarkets in the Township and major retailers like ShopRite and Wegmans just a short drive away.

However, Bordentown City's incredible restaurant scene is a major draw. With upscale Italian dining, cozy cafes, and craft breweries lining Farnsworth Avenue, residents often find themselves dining out more frequently than they might in a purely residential suburb. This is a lifestyle perk, but one that requires a dedicated entertainment budget.

Cost of Living by Buyer Type

Families

Families face the highest costs, balancing larger mortgages for single-family homes in the Township, property taxes, and everyday child-rearing expenses. However, the investment is offset by access to the excellent Bordentown Regional School District and numerous free community parks.

Professionals and Commuters

Professionals must factor in commuting costs—whether NJ Transit passes for NYC or bridge tolls for Philly. However, Bordentown offers a much better housing value than living closer to the major cities.

Retirees and Downsizers

Retirees love the walkability of the City and the low-maintenance townhomes in the Township. While New Jersey property taxes can be challenging on a fixed income, state tax relief programs for seniors can help mitigate the impact.

Remote Workers

Remote workers get exceptional value here. They avoid commuting costs while enjoying a highly walkable, inspiring historic environment with great local coffee shops and fast internet.

Is Bordentown Worth the Cost?

For the vast majority of residents, the answer is a resounding yes.

Bordentown offers a lifestyle that is incredibly hard to find: a genuinely historic, walkable downtown combined with immediate access to four major highways and a light rail station. You are paying a premium for convenience, community atmosphere, and charm, but the long-term value and quality of life make it one of Burlington County's smartest real estate investments.

"Bordentown remains one of Burlington County's most desirable communities because it delivers an unbeatable combination of historic charm, walkability, and commuter access that justifies the investment."

Bordentown vs Nearby Communities

Here is how Bordentown's cost and lifestyle compare to neighboring towns:

Frequently Asked Questions