How to Find New Construction Homes in New Jersey Under $400,000! (Updated List for 2026)

Can you still find new construction in New Jersey for under $400,000? In this 2026 update, we are breaking down the most affordable new construction communities across South Jersey.

From master-planned neighborhoods in Atlantic County to walkable townhomes in Hammonton, I’m showing you exactly where the inventory is and—more importantly—what it actually costs to live there.

We cover the full financial picture for each community, including current base pricing, estimated property taxes, monthly HOA fees, and community amenities like pools and clubhouses.

Communities Featured:

The Coves at Ocean Club (55+)
Price: $400K – $470K
Taxes: $9K – $11.5K | HOA: $200 – $296/month

The Tides at Ocean Club (Townhomes)
Price: Mid to High $300s
Taxes: $7.5K – $8K | HOA: $298/month

West End Hammonton (Lennar)
Price: Low $400s
Taxes: $11K – $12K | HOA: $152/month

Coastal Crossing (Middle Twp)
Price: $420K – $480K
Taxes: ~$7K | HOA: ~$300/month

Walnut Ridge (Vineland)
Price: $300K – $380K
Taxes: $8.1K – $10.3K | HOA: $384/month

The $30,000 Down Payment Grant in Atlantic County NJ! (Do You Qualify?)

Can you really get $30,000 to buy a home in Atlantic County, New Jersey?! In this video, we break down the Atlantic County Improvement Authority’s HUD HOME program.

This specific grant can cover your down payment and closing costs, but the rules are strict. We cover the 2026 income limits (80% AMI), purchase price caps for existing homes vs. new construction, and the “live or work” requirement that catches many buyers off guard.

If you don’t fit the HUD program, don’t worry. I also explain the NJHMFA statewide program which offers up to $17,000 with much higher income limits. Homeownership in South Jersey is still possible, but you need the right strategy.

The $30,000 Down Payment Grant in Atlantic County NJ! (Do You Qualify?)

Can you really get $30,000 to buy a home in Atlantic County, New Jersey?! In this video, we break down the Atlantic County Improvement Authority’s HUD HOME program.

This specific grant can cover your down payment and closing costs, but the rules are strict. We cover the 2026 income limits (80% AMI), purchase price caps for existing homes vs. new construction, and the “live or work” requirement that catches many buyers off guard.

If you don’t fit the HUD program, don’t worry. I also explain the NJHMFA statewide program which offers up to $17,000 with much higher income limits. Homeownership in South Jersey is still possible, but you need the right strategy.

Celebrating 20 Years in Real Estate! | Matthew Haviland

Join me as I celebrate a milestone that means the world to me, 20 years in real estate! This journey has been incredible, and I wouldn’t be here today without the support of some truly amazing people.

I want to take a moment to express my deepest gratitude. To my father, thank you for being my inspiration and guiding me into this industry. To my incredible wife and family, your support has been my foundation, and I couldn’t have done any of this without you. And most importantly, to all of my clients, your trust and referrals have not only built my business but have also filled my life with so many wonderful relationships.

Working as a real estate agent has been a privilege. It’s more than just selling houses, it’s about helping people start new chapters.

Here’s to many more years of helping people achieve the highest quality of life through selling and buying homes.