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Zillow Home Value Index, Zillow Home Value Index, bottom tier and Zillow Observed Rent Index, and every figure derived from them, reports included.

Municipality

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Loch Arbour

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 & sources

Typical home value

$3,077,537

How it moved +77.0%

20212026
Trend from Sep 2021 to Sep 2026; $1,738,758 to $3,077,537. Each chart uses its own vertical scale.Sep 2026 $3,077,537

Zillow · Sep 2026

Modeled value—not a sale price or appraisal.

Where it sits 388 of 564 NJ towns · Sep 2026

Middle 50%: $453k–$831k · medianMedian. The middle value: half are above it and half below. Unlike an average, a few very large values do not pull it up. $602k

Observed range across towns, $149,376 to $4,577,986; lower quartile $452,890, median $601,786, upper quartile $831,164. These are area benchmarks, not individual homes.
Loch Arbour village $3,077,537Highlighted

Typical market rent

No current market-rent index available; survey rents are not asking rents.

Box: middle half of towns · line: median · ends: min–max. Hover, drag or use ← → to explore towns.

Same-month statewide comparisons—not just nearby towns. Trends use separate scales and nominal dollars, not inflation-adjusted.

88.3% Owner-occupiedRented 11.7%

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: ± 10.4 points

Monthly costs

Published starting figures: home value Sep 2026 · mortgage benchmark Oct 22, 2026. Your inputs adjust the estimates below.

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What you enter changes this page’s arithmetic only — never this place’s published figures or its rankings.

To own the typical homeTo own. The typical home’s value, houses and condos (Zillow Home Value Index, Sep 2026), 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.

$21,004estimated 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
The month at other mortgage rates, everything else as above
RatePrincipal and interestThe month
5%$13,217$17,308
6%$14,761$18,853
7%$16,380$20,472
8%$18,065$22,157

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 $19,110Into the home $1,894

  • Interest$15,018
  • Property tax$877
  • Homeowners insurance$333
  • Utilities$316
  • Upkeep$2,565

Money gone$19,110

Into the home$1,894

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.

Not included: the owning estimate leaves out 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, flood insurance and what the down payment could earn.

Five years back, not a forecast: Over the last five years the typical home here gained about $22,313 a month in value (Sep 2021 to Sep 2026) — what happened, not a promise. Buyers then borrowed at 2.90% (Sep 2021), against 7.32% (Oct 22, 2026).

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

$118,750± $58,518

hard to tell from most · 63–541 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

25.0%0.0% to 100.0%

hard to tell from most · 1–563 of 563 municipalities

Updated Sep 26, 2026 · first published as 22.2%
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

1916

older than most · 551 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

0.22 acres

near the middle · 311 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

88.3%± 10.4 points

hard to tell from most · 3–301 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

0.7%

more than most · 117 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

55.2%± 15.8 points

more than most · 14–32 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

19.19± 4.13 per 100 homes

more than most · 2–4 of 557 municipalities

Local stories

Prices & paychecks

$1,375,000 owner-reported home value

Survey values—not current asking prices.

Census ACS · 2020–2024

The homes that sold

Local records unavailable

Coverage limited · no substitute data.

Coverage limited · No matching period

Housing cost burden

0% of renters in the over 30–50% income band are cost-burdened

Over 30–50% of HUD area family income · survey estimate.

HUD CHAS · Census ACS · 2018–2022

Buyer financing

Local records unavailable

Coverage limited · no substitute data.

Coverage limited · No matching period

Building & demolition

118 net homes added

Preliminary · missing reports are not zero.

Census BPS / NJ DCA · 2025 · Preliminary

County arrivals & departures

Monmouth County: 1,755 more tax returns leaving

County context—not town-level moves.

IRS migration · County context · 2022–2023

Getting around

37-minute average commute

One-way mean—not your route.

Census ACS · 2020–2024

Where students go

39% 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

0 of 1 water systems with past health-based violations

System history—not today’s tap water.

EPA / NJDEP · 2021–2025

Flood exposure & claims

29.1% 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

0 site cleanups open in NJDEP’s records

Site records—not a property’s exposure or safety.

NJDEP site records · 2026 record snapshot

Power & reliability

390.7 minutes without power per customer

Utility-wide—not this town’s outage record.

EIA-861 · Utility-wide · 2025

Health in context

Monmouth County: health in context

County estimates—not measurements of this town.

CDC PLACES · 2023 basis · 2025 release

Internet availability

100.0% 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.