Crossing State Lines: What Bucks County PA Buyers Need to Know About Moving to South Jersey (And Vice Versa)

Thinking about crossing the border from Bucks County in Pennsylvania into South Jersey or vice versa is more common than you might think. Many homebuyers encounter this question when they’re trying to find the ideal place to settle—whether it’s for work, family, or that perfect neighborhood they’ve always dreamed of.

As someone who specializes in the Moorestown, NJ area and its surrounding markets, I often see clients weighing these cross-border moves. There’s a lot to consider, especially when it comes to PA and NJ property considerations and how state-specific regulations, taxes, and market conditions might influence your decision.

Let’s walk through what you need to know before you pack those boxes or start browsing listings in either state.

Why Are People Crossing State Lines for Real Estate?
The allure of South Jersey often includes more affordable home prices, larger lot sizes, and a slower pace of life compared to some parts of Bucks County. Conversely, some in South Jersey consider moving north into Pennsylvania to take advantage of lower property taxes or different community amenities.

Recent data shows that home prices in Pennsylvania tend to be lower than in New Jersey, offering more bang for your buck in many cases. For example, in Moorestown, the median home price sits around $600,000, reflecting the desirable suburban lifestyle combined with top-rated schools and excellent local amenities.

On the other side, New Jersey's market is quite vibrant, with a diverse range of homes from charming historic houses to modern condos. The key is knowing your PA and NJ property considerations to make a smooth transition.

Property Taxes and Cost of Living
One of the most significant differences across the border is property taxes. According to recent reports, the median property tax in Pennsylvania is approximately $2,852, whereas in New Jersey, it’s around $8,362. That’s nearly three times higher in New Jersey.

This substantial difference can make a real impact on your overall affordability, especially for new buyers or those considering a move to relax in a larger space without the higher tax burden. If you’re looking at a $500,000 home, expect to pay roughly $7,250 annually in Pennsylvania versus about $13,100 in New Jersey in taxes alone.

Utilities also play a role. Pennsylvania often offers lower utility costs, which over time can save a family hundreds of dollars yearly—a detail to keep in mind when choosing your new home.

Real Estate Markets in Moorestown and Surrounding Areas
Moorestown has historically been a sought-after community in South Jersey. Home prices have appreciated an average of 5.2 percent annually over the last five years. The local market currently features a mix of charming single-family homes, townhomes, and new construction options.

If you’re moving from Bucks County and are concerned about the local market conditions, consider the current trend of inventory in Moorestown. As of late, the average home sits on the market for just 25 days, with homes selling at approximately 98 percent of list price.

It’s essential to evaluate your personal needs. Are you looking for a quiet suburb with parks nearby? Or do you need quick access to major highways for commuting? Moorestown’s central location offers easy access to Philadelphia and the entire South Jersey region, making it ideal for commuters.

Legal and Regulatory Considerations
Moving into a different state isn’t just about finding the right home. It also involves understanding state-specific legal considerations, such as title and transfer fees, inspections, and other regulations.

In Pennsylvania, title fees tend to be more regulated and predictable, while New Jersey offers more flexibility—but with potential variability in costs. For buyers, this means working with an experienced agent familiar with both states’ procedures can save money and prevent surprises.

For example, in New Jersey, property transfer fees are structured differently than in Pennsylvania, which might influence your closing costs. Additionally, inspection requirements can vary, impacting timing when closing on a new home.

Education, Schools, and Community Resources
While I steer clear of opinions on school safety or specific districts, it’s important to recognize that both Pennsylvania and South Jersey boast many excellent community amenities. When moving across state lines, consider access to hospitals, shopping, parks, and transportation options.

Moorestown offers top-rated schools and active community programs that attract families from across the region. Accessibility to Philadelphia makes this area an attractive spot for professionals seeking a suburban setting with city benefits.

Actionable Tips for Crossing State Lines

• Research local market conditions and property values in both areas before making an offer. Check recent sale prices and market trends.

• Consult with a local real estate expert like Kathleen 'Kat' Quarterman who understands the nuances of both markets. She can guide you through state-specific considerations such as taxes, title fees, and inspection protocols.

• Review tax implications carefully, especially if you plan to own multiple properties or rent out your current home.

• Understand employment and commuting options to ensure your new home aligns with your daily needs.

• Visit neighborhoods in person to get a feel for the community vibe, local amenities, and commute times.

• Get pre-approved for a mortgage that considers cross-border considerations, which might impact lending criteria.

Final Thoughts
Crossing the border between Bucks County PA and South Jersey can be a seamless process with the right information and a local expert by your side. Whether you’re driven by affordability, taxes, or lifestyle preferences, understanding PA and NJ property considerations will help you make informed decisions.

If you’re ready to explore options in Moorestown or beyond, I am here to help. With a thorough understanding of the local market and the ins and outs of both states' regulations, I can guide you every step of the way.

Feel free to reach out for a personalized consultation. We can discuss your goals and craft a plan tailored to your needs.

Contact Kathleen Quarterman
Phone: (856) 283-2338
Email: [email protected]
Website: quartermangroup.com