The Verdict · Jersey City, NJ
$1,943–$2,444
real monthly · incl. fees + insurance
3.5★
64 Google reviews
No major red flags
worth watching
A mixed-reviewed community where the real cost runs ~$14 over sticker, and there's no standout hazard to plan around.
Looking for renters insurance?
It runs about $14/mo — see what renters insurance in Jersey City, NJ typically costs.
Also worth knowing: Does renters insurance cover flood damage?
What Residents Say
The honest version — the good and the bad, straight from recent Google reviews of Whitlock Mills Apartments.
“🔺 Before you move in, Especially if u have kids. take a look at my review and pay attention to the following points: 1️⃣. Packages are frequently stolen here. In fact, that’s how I got to know one of my neighbors on the first floor and another on the fourth floor—they’ve had packages stolen just li…”
“I’ve hit my limit. I have to write this today — we’ve tolerated this since 2024 Winter, and today was the last straw. The nonstop banging, stomping, dragging, and their dog running laps and playing fetch inside the apartment… I’ve never met people this shameless. Tonight, (Apt 40*) their dog has b…”
“If I can give zero stars I would. Management is extremely unprofessional and the higher ups don’t hold their staff accountable! They falsely accuse residents of outrageous behavior. They speak and act in front of children in the most disturbing way. If you’re looking to live in a peaceful place, th…”
“Renters beware! If you think the 1 star ratings here are one-offs or anomalies, check out the 1.7 review rating for RPM Development Group, the Management company, on Google. You may luck out and end up in a unit with no issues, I however am on apartment #2. I moved into the so called "Luxury" Apa…”
“I recently moved to Whit lock mills and the experience so far has been extraordinary. I came from Florida and the leasing staff was very quick and helpful to get everything approved and ready for me. Tasha is the property manager and she is very hands on and always willing to help and listen. That’…”
What reviews flag most
Mined from 5 recent reviews · 64 total on Google. Longer bars mean the topic comes up more often — this is a read on what gets mentioned, not a summary of every review.
On security, the review consensus is a recurring concern in reviews — one resident wrote: “Packages are frequently stolen here.”.
160 Lafayette St, Jersey City, NJ 07304
McGinley Square
What Whitlock Mills Apartments Really Costs
The sticker rent isn't the whole number. Here's what Whitlock Mills Apartments actually costs each month once required fees, pet rent, and insurance are in — the number the listing sites leave off.
Renters insurance adds ~$14/mo to that total — compare quotes →
Fees Beyond Rent
The additional charges beyond base rent at Whitlock Mills Apartments. Some are monthly, some one-time — all of them shape your real cost of living here.
Required Fees
Deposit
Charged per applicant.
Application Fee Per Applicant
Charged per applicant.
Safety & Property Crime
For a renter, property crime is what you actually feel day to day — a car broken into overnight, a package lifted off the step, a bike gone from storage, or how the walk from the lot feels after dark. Here's how Jersey City looks on the theft-related crimes that touch renters most.
These are city-level figures from the FBI's Uniform Crime Reporting program — not block-by-block. Your specific street may run calmer or rougher than the citywide rate.
Jersey City property crime
1,904
per 100K residents
U.S. avg 1,578 / 100K
Breakdown per 100K residents
U.S. average
The practical takeaways here are the unglamorous ones: park in lit areas, use a parcel locker if the community offers one, and don't leave anything visible in the car. Whitlock Mills Apartments's on-site security (Controlled access, Property manager on site, Concierge, Video patrol, Gated, Doorman) helps on the margin.
Source · FBI UCR · Jersey City · 2024-12 to 2025-11
On-Site Security
Natural Hazards to Plan For
At a moderate-hazard address like Whitlock Mills Apartments, the question of whether to add earthquake coverage to a renters policy isn't obvious — endorsements run roughly $50–$150 a year, and the probability of a damaging quake is real but low. Flood risk here is minimal and most other weather damage is already covered. Specifics below.
Flood damage
This address is in one of FEMA's lower flood-risk classifications. Standard renters policies don't cover flood damage anywhere, but in low-risk zones the cost of a separate NFIP policy generally isn't justified by the expected loss. The detail is below mostly for completeness.
Source · FEMA NFHL
FEMA Zone X (minimal flood hazard) — Minimal flood risk
Flood insurance optional but inexpensive in this zone.
Zones can change — verify at FEMA Flood Map Service
Earthquake shaking
The seismic picture is in the middle: damaging earthquakes are uncommon but not negligible. Renters insurance excludes earthquake damage regardless, so the choice is whether the modest cost of an endorsement is worth the modest probability of a payout. The data point below provides the specifics.
Source · USGS NSHM
Moderate seismic hazard · ground motion 0.17g
Endorsements priced for renters typically run under $100 a year and only cover personal property. Whether it pays back depends on the value of what's in your unit.
Ground motion at ~2% probability over 50 years — the building-code reference level
Severe weather you'd actually claim for
Severe-weather activity in Hudson County is at the low end. Standard renters insurance already covers wind and hail damage to your stuff, so the data below is more context than coverage gap.
Source · NOAA Storm Events · 5-yr averages for Hudson County
Standard renters insurance is enough for most renters here. The earthquake endorsement is worth pricing if you'd find replacing your possessions out-of-pocket painful.
Renters Insurance at Whitlock Mills Apartments
We found a few insurance details on the Whitlock Mills Apartments website. Your lease may have additional requirements — treat these as a starting point.
Lease Requirements
* An "interested party" is the property management company listed on your insurance policy. It doesn't give them any claim rights — it just means they get notified if your policy lapses, which is how the leasing office verifies you stay insured.
One thing to watch for: when you buy your policy, most carriers have a field to add the property as an interested party — skip it and your proof may get rejected. It takes 30 seconds. Start a quote to see which carriers handle this automatically.
What Affects Your Premium Here
Every building is different. These factors specific to Whitlock Mills Apartments can push your insurance cost up or down:
Gated Community
Gated access reduces theft risk — may qualify for security discount
Controlled Access
Electronic/key fob entry — reduces unauthorized entry risk
Theft Reports
2 mentions in Google reviews
Water/Leak Issues
4 mentions in Google reviews
FEMA Flood Zone
Zone X — minimal flood risk
FBI UCR
Property crime rate: 1904/100K (21% above national average)
What You'll Likely Pay
$14
Est. monthly
$170
Est. annual
$13
With discounts/mo
$16
State avg/mo
How Much Coverage Makes Sense
Renters insurance has two main pieces: personal property coverage, which pays to replace your belongings if they're stolen or damaged (furniture, electronics, clothes), and liability coverage, which protects you if someone gets hurt in your unit or you damage someone else's property. Here's what we'd recommend for Whitlock Mills Apartments based on the rent level and building.
Personal Property
What your stuff is worth
If you own less
$25,000
If you own more
$60,000
Liability
Covers accidental harm & lawsuits
Pool on premises — higher liability recommended for accidents at shared amenities
How Carriers Compare for This Area
Not all carriers price the same zip code equally. Here's how the major options stack up near Whitlock Mills Apartments:
| Carrier | Monthly | Annual |
|---|---|---|
| Lemonade | $9/mo | $111/yr |
| USAA | $10/mo | $125/yr |
| State Farm | $14/mo | $167/yr |
| Progressive | $15/mo | $181/yr |
| Safeco | $15/mo | $181/yr |
| Travelers | $16/mo | $195/yr |
| Allstate | $17/mo | $209/yr |
| Nationwide | $17/mo | $209/yr |
| Farmers | $19/mo | $223/yr |
| Liberty Mutual | $21/mo | $251/yr |
Discounts You May Qualify For
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About Whitlock Mills Apartments
From the property listing:
Now Leasing! Welcome to Whitlock Mills in Jersey City. Unlock a new way of living at these stunning, brand new apartments homes. NOW LEASING THE LUXURIOUS F BUILDING!!!!Apartment homes are spread throughout several buildings featuring 1, 2 and 3 bedroom units with a variety of amenities planned with you in mind. Centered in the heart of the Bergen Lafayette neighborhood, this apartment complex is surrounded by plenty of restaurants, shopping and transportation options. With all of these conveniences at your fingertips, you'll live connected to the life you've always desired.
Frequently Asked Questions
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Disclaimer
The information on this page — including rent prices, fees, floor plans, amenities, insurance requirements, and safety data — is collected from publicly available sources and may not reflect the most current details. Apartment communities may update their offerings, policies, and pricing at any time. Always confirm details directly with the leasing office or the community's official website before making any decisions.
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