Four Seasons at South Knolls: The Complete 10-Year True Cost in Jackson
Note: South Knolls sits in Jackson Township, which is in Ocean County for this market grouping. Here's the full carrying cost, Jackson's mid-range tax position, and the net cost after NJ relief programs.
Have questions about what you're reading? A specialist can walk you through real costs, honest comparisons, and what's actually available right now — free, no obligation.
Talk to a Specialist →The Headline Number
For a 65-year-old couple with $120,000 joint income buying a $545,000 home at Four Seasons at South Knolls with 30% down ($163,500), the all-in 10-year cost after all three NJ relief programs is approximately:
About $43,418 per year all-in. South Knolls lands between Mirage (higher tax) and the LEH communities (lower price) — a solid middle position with K. Hovnanian build quality.
Full Line-Item Breakdown
| Category | Year 1 | 10-Year Total | Notes |
|---|---|---|---|
| Mortgage P&I | $29,754 | $297,540 | $381,500 loan @ 6.75%, 30yr |
| Property Tax | $8,420 | $87,200 | 1.55% Jackson Township |
| HOA Fee | $3,180 | $35,000 | $265/mo, K. Hovnanian amenities |
| Insurance | $2,180 | $21,800 | — |
| Maintenance | $5,450 | $54,500 | 1% of value/yr |
| ANCHOR | –$1,750 | –$17,500 | 65+, income ≤$150K |
| Stay NJ | –$2,460 | –$24,600 | 50% of gross, net of ANCHOR |
| Net Total | $44,774 | ~$447,700 |
Jackson's Tax Position: Below the County Midpoint
Jackson Township's 1.55% effective rate sits below the high-tax towns (Lacey 1.78%, Little Egg Harbor 1.86%, Barnegat 1.95%) and above only the lowest (Lakewood 1.43%, Toms River 1.50%). For a $545K home, that positioning works in your favor against most premium-community towns:
| Comparison Town | Rate | Annual Tax ($545K) | vs. Jackson (10yr) |
|---|---|---|---|
| Lakewood (lowest major town) | 1.43% | $7,815 | –$6,050 less |
| Jackson (South Knolls) | 1.55% | $8,420 | — |
| Lacey (Sea Breeze) | 1.78% | $9,712 | +$12,920 more |
| Little Egg Harbor (Sea Oaks) | 1.86% | $10,137 | +$17,170 more |
| Barnegat (Mirage) | 1.95% | $10,638 | +$22,180 more |
Ready to move from research to real conversations about this community?
We connect buyers with agents who know this market from the inside — real cost math, honest comparisons, and what's actually happening right now. Every agent is personally vetted by the Nova55Living founder. No scripts, no pressure.
Net Carry After Relief
| Pure Carry Component | Annual |
|---|---|
| Property Tax | $8,420 |
| HOA | $3,180 |
| Insurance | $2,180 |
| Maintenance | $5,450 |
| Less ANCHOR + Stay NJ | –$4,210 |
| Net Annual Carry | ~$15,020 ($1,252/mo) |
Related Pages
South Knolls Community Overview →What Nobody Tells You About South Knolls →Four Seasons at Metedeconk Lakes (also Jackson) →Jackson vs. Barnegat Comparison →Ocean County Hub →Get Your South Knolls Projection
An expert can run your exact numbers and compare South Knolls against the other Jackson and Barnegat K. Hovnanian communities.
Get Expert Help →Ready to take the next step on
the right 55+ community?
Connect with a specialist who knows this market from the inside — real cost math, honest community comparisons, and what's actually happening right now. Every agent is personally vetted by the Nova55Living founder.
Connect with a Specialist →