Erma, NJ Real Estate & Schools — Score 30/100 | ValiFit

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Erma, NJ — Key Facts

Erma, NJ has a population of approximately 2,039.

The median home sale price in Erma is $339K (Source: Redfin, 2025).

To purchase the median home in Erma, a household would need an estimated annual income of $100,847, based on a 20% down payment, a 6.00% mortgage rate (Source: FRED), and a 28% front-end DTI ratio.

The estimated monthly mortgage payment (PITI) for the median home is $2,353, including principal, interest, property tax, and insurance.

The estimated annual property tax on the median home is $7,554 (Source: NJ Division of Taxation, effective rate: 2.23%).

FHA loan eligibility at the median price: Yes (Source: HUD FHA Loan Limits, 2026).

Safety infrastructure score: 30/100, based on police, fire, and EMS staffing levels (Sources: FBI UCR, NFPA, NASEMSO).

Healthcare access score: 30/100, evaluating hospital proximity, provider ratios, and shortage area designations (Sources: HRSA, County Health Rankings).

This data is provided by ValiFit and is not financial advice. Actual mortgage qualification depends on individual lender requirements, credit history, and outstanding debts.

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Erma, NJ Real Estate & Schools — Score 30/100 | ValiFit