A Country Place: Lakewood's Detached-Home Alternative to the Condo-Heavy Lineup
~300 single-family and condo homes in Lakewood — the township's option for buyers who want detached single-family living rather than the attached/condo product that dominates Leisure Village and Covington Village. HOA ~$195/month, with Lakewood's county-low 1.43% rate further softened by the NJ relief stack.
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Lakewood Tax at A Country Place Price Points
| Home Value | Gross Tax (1.43%) | After ANCHOR ($1,750) | After Stay NJ | Net Annual Tax |
|---|---|---|---|---|
| $285,000 | $4,845/yr | $3,095/yr | $1,548/yr | $1,548/yr |
| $350,000 | $5,950/yr | $4,200/yr | $2,100/yr | $2,100/yr |
| $420,000 | $7,140/yr | $5,390/yr | $2,695/yr | $2,695/yr |
| $475,000 | $8,075/yr | $6,325/yr | $3,163/yr | $3,163/yr |
65+, joint income ≤$150K. Lakewood's 1.43% is the county's LOWEST major-town rate — detached homes here pay meaningfully LESS tax than the same home would in higher-rate towns like Lacey (1.78%) or Barnegat (1.95%).
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10-Year True Cost: $370,000 Purchase
| Cost Category | Annual (Year 1) | 10-Year Estimate |
|---|---|---|
| Mortgage (P&I on $259K @ 6.75%, 30yr) | $20,202 | $202,020 |
| Property Tax (1.43% on $370K) | $5,306 | $55,000 est. |
| HOA Fee ($195/mo) | $2,340 | $25,700 est. |
| Homeowner's Insurance | $1,480 | $14,800 est. |
| Maintenance (1% — detached) | $3,700 | $37,000 est. |
| ANCHOR Benefit | –$1,750 | –$17,500 |
| Stay NJ (50% of gross tax $3,145) | –$3,145 | –$31,450 est. |
| Net 10-Year Cost of Ownership | — | ~$300,870 |
Related Pages
Leisure Village (Lakewood, condo, exterior-inclusive) →Covington Village (Lakewood, midrise condo) →Lakewood Tax Rate Detail →Ocean County Hub →Get A Country Place Data
Detached vs. condo pricing within the community, current inventory, and how the lower HOA structure compares to Lakewood's exterior-inclusive condo options.
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