Median recorded sale price
$182,500
Comparable history unavailable.
Recorded sales · Jan 2024 → Jun 2026
Qualifying sales—not the value of every home.
Same-month comparison unavailable.
Fairfield
Computed from the data · not AIComputed from the data, not AI. The figures, rankings, costs, profiles, summaries and maps on this page are assembled from published data by fixed rules, not written by AI. When a region includes a labelled interpretation inside its expanded detail, that is the one part a language model wrote.
Housing market
Figures & sourcesTypical market rent
No current market-rent index available; survey rents are not asking rents.
79.0% Owner-occupiedRented 21.0%
Occupied homes · Census ACSACS. American Community Survey: the Census Bureau’s rolling survey. Figures here are five-year estimates, so “2023” means the survey years 2019–2023, not a count taken that year. 2020–2024 · 90% margin: ± 4.7 points
Monthly costs
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More assumptions
What you enter changes this page’s arithmetic only — never this place’s published figures or its rankings.
To own at a $182,500 purchase priceTo own. A purchase at $182,500 — the middle price of qualifying residential sales here from Jan 2024 to Jun 2026, from New Jersey’s SR1A sales file. That is the middle of what sold in that window, not a valuation of the typical home on any one date, and the homes that sell are not a cross-section of the homes that exist, less a 20% down payment, borrowed over 30 years at 7.32% — the national benchmark for a 30-year fixed loan (Freddie Mac’s weekly survey, via FRED, Oct 22, 2026), not a quote for any borrower. A month adds property tax, homeowners insurance, any mortgage insurance, utilities and upkeep, each with where it comes from; HOA fees and flood insurance only if you enter them. The tax bill is the area’s median from New Jersey’s assessment records unless you enter a bill — never worked out from the price.
Based on qualifying residential sales here, Jan 2024 to Jun 2026.
$1,964estimated cash paid each month, including principalPrincipal. The part of a mortgage payment that pays down the loan itself, rather than interest. It stays yours, as equity in the home.
Calculated estimate · not a lender quote
At other mortgage rates
| Rate | Principal and interest | The month |
|---|---|---|
| 5% | $784 | $1,745 |
| 6% | $875 | $1,836 |
| 7% | $971 | $1,932 |
| 8% | $1,071 | $2,032 |
The same home, down payment and costs at each rate. Assumptions to compare, not a forecast of where rates go.
Point at or tap a colour to see what it pays for.
Money gone $1,852Into the home $112
- Interest$891
- Property tax$314
- Homeowners insurance$108
- Utilities$387
- Upkeep$152
Money gone$1,852
Into the home$112
To rent the typical homeTo rent. Zillow publishes no rent index for this place, so there is no typical rent to compare.
No rent figure for this place: Zillow publishes its rent index for fewer places than its home values. Enter one under ‘Your numbers’ to compare.
Owning
Cash payment includes principal and included utilities. Money spent includes utilities here; the bridge excludes them.
- Money gone each monthMoney gone each month. The part of a month of owning that does not come back: interest, tax, insurance, mortgage insurance, utilities, upkeep and any fees. The rest, principal, pays the loan down and stays the owner’s as equity. These are the first month’s figures: each month after, a little more of the payment is principal.
- $1,852
- Purchase price NJ SR1A sales, Jan 2024 to Jun 2026
- $182,500
- Down payment, 20% money a renter could invest instead
- $36,500
- Mortgage, principalPrincipal. The part of a mortgage payment that pays down the loan itself, rather than interest. It stays yours, as equity in the home. and interest $146,000 at 7.32%
- $1,003/mo
- Property tax $3,764 a year, MOD-IVMOD-IV. New Jersey’s property tax assessment records, kept by the Division of Taxation: a record for every parcel, with its assessed value, property class and year built., 2024 · published figure
- $314/mo
- Homeowners insurance $1,295 a year, what owners with a mortgage report · Census survey, 2024 · published figure
- $108/mo
- Mortgage insurance none at 20% down · published rule
- $0/mo
- Utilities electricity, gas, water and sewer · Census survey, 2024 · published figure
- $387/mo
- Upkeep 1% of the price a year · rule of thumb
- $152/mo
- HOAHOA. A homeowners or condominium association, which charges owners a monthly fee for shared upkeep and amenities. It is set by each building or community, so no published figure covers it. or condo fees add yours if it applies
- —
- Flood insurance add yours if it applies
- —
- Income to keep it at 30% of payIncome to keep it at 30% of pay. The yearly household income, before tax, at which a month’s cost is 30% of a month’s pay — HUD’s line for cost burden. It is the monthly cost × 12 ÷ 0.3.
- $78,557 a year
Renting
No rent figure. Enter one under ‘Your numbers’ to compare.
About this place
Housing profile
Typical household incomeTypical household income. The income of the household in the middle: half of households here earn more, half less. From the Census Bureau’s survey, pooled over five years. Before tax, per year; survey years 2020–2024.Kind of figure: Survey estimate
$60,929± $4,240
lower than most · 494–554 of 562 municipalities
Renters spending over 30%Renters spending over 30%. The share of renting households spending more than 30% of their income on rent and utilities. From the Census survey for 2020–2024; not the share of all households.Kind of figure: Survey estimate
52.8%± 11.3 points
hard to tell from most · 52–553 of 563 municipalities
Updated Sep 26, 2026 · first published as 45.3%
Typical home builtTypical home built. The median year one- to four-family homes here were built, among those New Jersey’s property tax records (MOD-IV) give a year for.Kind of figure: Administrative records
1967
near the middle · 229 of 562 municipalities
More about the housing here
Median lotMedian lot. The median lot size of one- to four-family homes here, from the property tax records (MOD-IV). An acre is 43,560 square feet.Kind of figure: Administrative records
0.72 acres
larger than most · 94 of 561 municipalities
Households that ownHouseholds that own. The share of occupied homes lived in by their owners rather than rented out, from the Census Bureau’s American Community Survey five-year estimate.Kind of figure: Survey estimate
79.0%± 4.7 points
hard to tell from most · 172–346 of 564 municipalities
Apartment buildingsApartment buildings. Apartment buildings as a share of the residential properties on the tax roll — one- to four-family homes and apartment buildings. It counts buildings, not homes: a 200-unit building counts once.Kind of figure: Administrative records
0.1%
fewer than most · 412 of 564 municipalities
Homes standing emptyHomes standing empty. The share of all homes standing empty, including holiday homes and homes for sale or rent.Kind of figure: Survey estimate
9.7%± 3.8 points
hard to tell from most · 61–265 of 564 municipalities
Net homes added per 100 · 2024Net homes added per 100 · 2024. Homes finished minus homes demolished in the year, per 100 existing homes. Uses NJ construction-office reports and the Census housing-unit estimate ending that year. Covers only towns that reported both; a missing report is not zero. A negative value means demolitions exceeded completions. The underlying tables use per 1,000; this banner divides the value and its margin by 10, keeping the same rank.Kind of figure: Calculated here
-0.11± -0.008 per 100 homes
fewer than most · 509–517 of 557 municipalities
Ranked measures
All measures →Where Fairfield ranks among the highest or lowest New Jersey municipalities (the outer 5%, or three at either end). A rank scale, not a value scale; bands include ties and 90% survey rank ranges.
Local stories
Prices & paychecks
$185,200 owner-reported home value
Survey values—not current asking prices.
Census ACS · 2020–2024
The homes that sold
$182,500 median recorded sale
Recorded 1–4-family sales—not asking prices.
NJ Treasury · SR1A · Jan 2024–Jun 2026
Housing cost burden
83% of renters in the lowest income band are cost-burdened
Up to 30% of HUD area family income · survey estimate.
HUD CHAS · Census ACS · 2018–2022
Buyer financing
$205,000 median purchase mortgage
Tract-based estimate · historical loans.
CFPB · HMDA · 2024
Building & demolition
0 net homes added
Preliminary · missing reports are not zero.
Census BPS / NJ DCA · 2025 · Preliminary
County arrivals & departures
Cumberland County: 84 more tax returns leaving
County context—not town-level moves.
IRS migration · County context · 2022–2023
Getting around
25-minute average commute
One-way mean—not your route.
Census ACS · 2020–2024
Where students go
6% of K–12 students who live here attend a private school
Where students live—charter and vocational schools count as public.
Census ACS · 2020–2024
Water you can check
1 of 2 water systems with past health-based violations
System history—not today’s tap water.
EPA / NJDEP · 2021–2025
Flood exposure & claims
6.2% of homes in FEMA’s 1%-a-year flood zone
Mapped homes—not an address-specific risk assessment.
FEMA NFHL / NJDEP · Map copy 2026 · 2020 homes
Sites & cleanup
5 site cleanups open in NJDEP’s records
Site records—not a property’s exposure or safety.
NJDEP site records · 2026 record snapshot
Power & reliability
80.0 minutes without power per customer
Utility-wide—not this town’s outage record.
EIA-861 · Utility-wide · 2025
Health in context
Cumberland County: health in context
County estimates—not measurements of this town.
CDC PLACES · 2023 basis · 2025 release
Internet availability
8.6% of mapped locations have a fiber offer
Mapped locations—not households or measured speeds.
FCC provider reports · 2025-12-31 · revised 2026-10-13
Checking a particular home? Open the buyer’s guide checks → · Check the supplier’s current water records ↗. System records do not describe a private well.
Similar cheaper places
No New Jersey town is close enough to Fairfield on these measures with a median sale at least 10% lower and a commute no more than 10 minutes longer. The page does not loosen the rules to fill the list.
“Like here” means only single-family detached homes, homeownership rate, households with children and homes within half a mile of a rail stop: not schools, safety or anything else. Prices are the median recorded sale, January 2024 to June 2026, in towns with at least 20 sales.