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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.

Report

ZIP 08230, NJ — housing report

1 measures over the five-year change window.

Coverage: Sep 2021–Sep 2026. Each measure’s dates are listed in the table.

ZIP 08230 is the 171st least expensive of the 546 New Jersey ZIP codes Zillow covers, by typical home value ($487,350), and its value rose at about the typical pace over five years (+36.0%, 262nd of 546 by change).

Computed from the data · not AI-written.

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What it costs to own and to rent

20% down payment

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.

$3,591a month, every cost below

Partial estimatePartial estimate. This total leaves out property tax: no published figure covers it for this place. Enter yours under ‘Your numbers’ to complete it. · not a lender quote

At other mortgage rates
RatePrincipal and interestThe month
5%$2,093$3,005
6%$2,338$3,250
7%$2,594$3,506
8%$2,861$3,773

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 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.
$3,291
Typical home Zillow, Sep 2026
$487,350
Down payment, 20% money a renter could invest instead
$97,470
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 $389,880 at 7.32%
$2,678/mo
Property tax no figure for this place
not included
Homeowners insurance $1,505 a year, what owners with a mortgage report · Census survey, 2024 · published figure
$125/mo
Mortgage insurance none at 20% down · published rule
$0/mo
Utilities electricity, gas, water and sewer · Census survey, 2024 · published figure
$381/mo
Upkeep 1% of the price a year · rule of thumb
$406/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.
$143,623 a year

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.

Cash needed up front

$107,217–$121,837before the keys

Down payment, 20%
$97,470
Closing costs 2–5% of the price, Consumer Financial Protection Bureau
$9,747–$24,367
Moving
—
First repairs
—

Owning for 10 years, then selling

$377,813spent over 10 years, after what selling gives back

Cash up front closing costsClosing costs. One-time fees paid when a purchase completes: the lender’s charges, title insurance, the appraisal and recording fees. Often a few percent of the price; the seller usually pays New Jersey’s transfer fee. at the middle of their range unless you set them
$114,527
Paid each month over the years utilities left out, as for rent
$385,173
Sale price prices flat, as no one can say where they will go
$487,350
Less the loan still owed
−$337,041
Less selling costs 5% commission, an assumption, and New Jersey’s seller fees (NJ Division of Taxation)
−$28,421
What selling gives back
$121,888

A sum over stated assumptions, not a forecast: tax, insurance, fees and upkeep stay at today’s dollars, and prices and rents stay flat unless you set a rate. It leaves out property tax.

Over the last five years the typical home here gained about $2,150 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).

Property tax is not included: New Jersey’s assessment records give it by municipality and county, not by ZIP code.

Measures

MeasureStartLatestChangePer yearRank by changeWindow
Prices
Home value index, houses and condosHome value index, houses and condos. Zillow’s estimate of what a typical home here is worth, counting houses, condos and co-ops: one in the middle of the local market, not the cheapest or the dearest.Kind of figure: Modelled estimateWhy it matters: It is the closest thing to “what a house costs here”, the figure a buyer’s budget starts from.Modelled estimate$358,338$487,350+36.0%6.3%/yr262nd of 546 NJ ZIP codes with dataSep 2021 → Sep 2026
  1. ZIP-level values are allocated from Census ZCTAs rather than measured. A ZIP straddling several municipalities is an estimate, not an observation. Allocation weights for this ZIP: hud_res_ratio.
  2. Some metrics rank this region against fewer peers than the level contains, because not every region carries every metric. Compare ranks only within the cohort size each one reports.

Change ranks compare five-year movement, not price or size. Rank 1 is the largest rise—or the smallest where lower is better, such as unemployment.

Figures marked ± come from the Census Bureau’s survey and carry its 90% margin of errorMargin of error. How far a survey figure could be from the true value. A ± figure here is the Census Bureau’s 90% margin: the true value is very likely within that range.: the true figure is very likely within that range of the estimate. Where the margins cannot tell a place from its neighbours, its rank reads as a range. “No sampling error” marks a figure the Census fixes to its population estimates rather than estimating from the survey, such as a county’s population. HUDHUD. The U.S. Department of Housing and Urban Development, the federal housing agency. It sets the income limits and Fair Market Rents housing programs use, and publishes data on who struggles with housing costs.’s CHASCHAS. Comprehensive Housing Affordability Strategy: HUD’s special tabulation of ACS microdata, counting households by the share of their income that goes on housing. figures come from the same survey and carry HUD’s margins the same way.

Current values

Ranks compare values, not change. Single-snapshot CHAS and MOD-IV figures appear only here.

MeasureValueRank by valueAs ofSource
Prices
Home value index, houses and condosHome value index, houses and condos. Zillow’s estimate of what a typical home here is worth, counting houses, condos and co-ops: one in the middle of the local market, not the cheapest or the dearest.Kind of figure: Modelled estimateWhy it matters: It is the closest thing to “what a house costs here”, the figure a buyer’s budget starts from.Modelled estimate$487,350376th of 546 NJ ZIP codes with dataSep 2026Zillow ZHVI
Median owner-occupied home valueMedian owner-occupied home value. What the middle homeowner says their home is worth, as owners told the Census Bureau’s survey. It covers every kind of owned home.Kind of figure: Survey estimateWhy it matters: An older, self-reported view of prices: useful where Zillow has no figure, and as a check on it.abSurvey estimate$410,200± $21,246Toward the bottom of 571 NJ ZIP codes with databetween 286th and 391st2024Census ACS
Median gross rentMedian gross rent. What the middle renting household actually pays each month, utilities included, as renters told the Census Bureau’s survey.Kind of figure: Survey estimateWhy it matters: It is what tenants already in place pay; the gap to today’s asking rent shows how fast the market has moved.abSurvey estimate$1,864/mo± $333/moCan’t be told apart from most of 541 NJ ZIP codes with databetween 60th and 422nd2024Census ACS
Median gross rent, three bedroomsMedian gross rent, three bedrooms. What the middle three-bedroom home here rents for each month, utilities included, as tenants told the Census.Kind of figure: Survey estimateWhy it matters: What a family needing room would pay to rent rather than buy.abSurvey estimate$1,783/mo± $494/moCan’t be told apart from most of 476 NJ ZIP codes with databetween 120th and 470th2024Census ACS
Rent paid to the landlord, lower quarterRent paid to the landlord, lower quarter. A quarter of renters here pay their landlord less than this each month. Utilities are not included.Kind of figure: Survey estimateWhy it matters: Shows what the cheaper rentals cost, which the middle figure hides.abSurvey estimate$1,361/mo± $798/moCan’t be told apart from most of 540 NJ ZIP codes with databetween 17th and 521st2024Census ACS
Rent paid to the landlord, upper quarterRent paid to the landlord, upper quarter. A quarter of renters here pay their landlord more than this each month. Utilities are not included.Kind of figure: Survey estimateWhy it matters: With the lower quarter, shows how wide the range of rents is.abSurvey estimate$1,806/mo± $123/moToward the bottom of 535 NJ ZIP codes with databetween 201st and 446th2024Census ACS
Affordability
Home value to household incomeHome value to household income. How many years of the typical household’s income the typical home costs: Zillow’s home value divided by the Census Bureau’s median income for the same year.Kind of figure: Calculated hereWhy it matters: Around 3 was long thought affordable; above 5 is a stretch for most buyers.Calculated here3.79×± 0.58×Toward the top of 546 NJ ZIP codes with databetween 25th and 313th2024Calculated here

NoteAffordability ratios are computed by this platform from two published series, not published by either source. The monthly value or rent series is averaged over the survey year to match the annual income denominator.

Renters paying over 30% of income on housingRenters paying over 30% of income on housing. The share of renting households spending more than 30% of their income on rent and utilities.Kind of figure: Survey estimateWhy it matters: 30% is the line the government uses for “cost-burdened”: above it, rent squeezes everything else.abSurvey estimate29.2%0.0% to 68.2%Can’t be told apart from most of 569 NJ ZIP codes with databetween 1st and 543rd2024Census ACS
Renters paying half their income or moreRenters paying half their income or more. The share of renting households here paying half their income or more on rent and utilities.Kind of figure: Survey estimateWhy it matters: Households this stretched have little left for anything else and are the most at risk of losing their home.abSurvey estimate12.5%0.0% to 30.9%Can’t be told apart from most of 569 NJ ZIP codes with databetween 1st and 472nd2024Census ACS
Owners paying half their income or moreOwners paying half their income or more. The share of homeowners here paying half their income or more on their mortgage, tax, insurance and utilities.Kind of figure: Survey estimateWhy it matters: Owning does not always mean affordable; this counts owners under the most strain.abSurvey estimate6.6%± 2.9 pointsToward the top of 591 NJ ZIP codes with databetween 4th and 355th2024Census ACS
Owner costs a month, with a mortgageOwner costs a month, with a mortgage. What the middle owner with a mortgage here pays each month for the loan, tax, insurance, utilities and fees, as owners told the Census.Kind of figure: Survey estimateWhy it matters: What owning costs people who already own, many on older, cheaper loans than a buyer gets today.abSurvey estimate$2,434/mo± $199/moToward the bottom of 544 NJ ZIP codes with databetween 287th and 457th2024Census ACS
Owner costs a month, without a mortgageOwner costs a month, without a mortgage. What the middle owner without a mortgage here pays each month for tax, insurance, utilities and fees.Kind of figure: Survey estimateWhy it matters: The cost of a home that never goes away, even once the loan is paid off.abSurvey estimate$921/mo± $141/moToward the bottom of 506 NJ ZIP codes with databetween 317th and 488th2024Census ACS
Running costs
Homeowners insurance a year, typical home with a mortgageHomeowners insurance a year, typical home with a mortgage. What the middle homeowner with a mortgage pays a year to insure the home, as owners told the Census. Worked out from the Census’s price brackets, so no margin is given.Kind of figure: Survey estimateWhy it matters: Lenders require it, so it is part of the monthly cost; a new policy can cost more than owners already insured pay.abSurvey estimate$1,505no margin available—2024Census ACS
Electricity a month, typical home billed for itElectricity a month, typical home billed for it. The middle monthly electricity bill among homes here that pay one, owners and renters alike, as households told the Census. Worked out from the Census’s price brackets, so no margin is given.Kind of figure: Survey estimateWhy it matters: Part of what a home costs to run every month, on top of the mortgage or the rent.abSurvey estimate$207/mono margin available—2024Census ACS
Gas a month, typical home billed for itGas a month, typical home billed for it. The middle monthly gas bill among homes here that pay one, as households told the Census. Worked out from the Census’s price brackets, so no margin is given.Kind of figure: Survey estimateWhy it matters: Many New Jersey homes heat with gas, so it can be the second-largest utility bill.abSurvey estimate$126/mono margin available—2024Census ACS
Water and sewer a year, typical home billed for itWater and sewer a year, typical home billed for it. The middle yearly water and sewer bill among homes here billed for it, as households told the Census. Worked out from the Census’s price brackets, so no margin is given.Kind of figure: Survey estimateWhy it matters: Often billed by the town or a utility every quarter, so easy to leave out of a monthly budget.abSurvey estimate$573no margin available—2024Census ACS
Renters paying utilities on top of rentRenters paying utilities on top of rent. The share of renting households here that pay for at least one utility on top of their rent.Kind of figure: Survey estimateWhy it matters: It says how often a quoted rent leaves the bills to the tenant, which matters when setting a rent against the cost of owning.abSurvey estimate100.0%no margin available—2024Census ACS
Heated with utility gasHeated with utility gas. The share of homes here heated mainly with gas piped in by a utility.Kind of figure: Survey estimateWhy it matters: The heating fuel sets which bills a home runs up in winter.abSurvey estimate90.8%± 4.1 points—2024Census ACS
Heated with electricityHeated with electricity. The share of homes here heated mainly with electricity, by heat pump or by resistance heat.Kind of figure: Survey estimateWhy it matters: The heating fuel sets which bills a home runs up in winter.abSurvey estimate5.7%± 2.7 points—2024Census ACS
Heated with oilHeated with oil. The share of homes here heated mainly with heating oil or kerosene, delivered by truck.Kind of figure: Survey estimateWhy it matters: Oil can cost more than gas, and an old tank can be a costly problem when buying.abSurvey estimate0.4%0.0% to 1.1%—2024Census ACS
Heated with propaneHeated with propane. The share of homes here heated mainly with propane from a tank.Kind of figure: Survey estimateWhy it matters: Common where gas lines do not reach; prices swing with the season.abSurvey estimate1.7%± 1.2 points—2024Census ACS
Heated another way, or not at allHeated another way, or not at all. The share of homes here heated with wood, coal, solar or another fuel, or not heated at all.Kind of figure: Survey estimateWhy it matters: Part of the mix of heating fuels here.abSurvey estimate1.4%0.0% to 3.3%—2024Census ACS
Incomes and jobs
Median household incomeMedian 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.Kind of figure: Survey estimateWhy it matters: It is the yardstick for affordability; prices only mean something next to what people earn.abSurvey estimate$115,152± $17,458Can’t be told apart from most of 574 NJ ZIP codes with databetween 144th and 422nd2024Census ACS
Homes and people
Homes, all housing unitsHomes, all housing units. How many homes there are, occupied or empty, from the Census Bureau’s survey, pooled over five years.Kind of figure: Survey estimateWhy it matters: The size of the housing stock that new building is measured against.abSurvey estimate2,522± 214—2024Census ACS
Vacancy rateVacancy rate. The share of all homes standing empty, including holiday homes and homes for sale or rent.Kind of figure: Survey estimateWhy it matters: Low vacancy means a tight market where homes fill fast. Shore towns read high because of holiday homes.abSurvey estimate13.7%± 5.1 pointsNear the top of 595 NJ ZIP codes with databetween 34th and 170th2024Census ACS
Homeownership rateHomeownership rate. The share of occupied homes lived in by their owners rather than rented out.Kind of figure: Survey estimateWhy it matters: It shows whether a place is mostly owners or has plenty of rentals.abSurvey estimate94.9%89.3% to 100.0%Near the top of 595 NJ ZIP codes with databetween 1st and 176th2024Census ACS
Total populationTotal population. How many people live here, from the Census Bureau’s survey, pooled over five years.Kind of figure: Survey estimateWhy it matters: Growth means more people competing for homes; decline can mean the opposite.abSurvey estimate5,700± 588Toward the bottom of 598 NJ ZIP codesbetween 387th and 426th2024Census ACS
The homes
Single-family detached homesSingle-family detached homes. The share of homes here that are houses standing on their own, as the Census counts them.Kind of figure: Survey estimateWhy it matters: Says whether a place is mostly houses or mostly apartments, which shapes what is for sale and for rent.abSurvey estimate71.3%± 8.5 pointsToward the top of 595 NJ ZIP codes with databetween 192nd and 362nd2024Census ACS
Townhouses and other attached homesTownhouses and other attached homes. The share of homes here that are single-family homes sharing a wall, such as townhouses and rowhouses.Kind of figure: Survey estimateWhy it matters: Part of the mix of homes; often cheaper than a detached house nearby.abSurvey estimate7.9%± 4.3 points—2024Census ACS
Homes in buildings of two to fourHomes in buildings of two to four. The share of homes here in two- to four-family buildings, such as duplexes and triple-deckers.Kind of figure: Survey estimateWhy it matters: Small multi-family buildings are where many renters live, and some owners live in one and rent the rest.abSurvey estimate1.4%0.0% to 3.3%—2024Census ACS
Homes in buildings of five to 19Homes in buildings of five to 19. The share of homes here in buildings of five to 19 apartments.Kind of figure: Survey estimateWhy it matters: Part of the mix of homes; mid-sized buildings are mostly rentals and condos.abSurvey estimate0.6%0.0% to 1.9%—2024Census ACS
Homes in buildings of 20 or moreHomes in buildings of 20 or more. The share of homes here in apartment buildings of 20 or more units.Kind of figure: Survey estimateWhy it matters: A high share means a dense place with large rental or condo buildings.abSurvey estimate0.0%0.0% to 1.1%—2024Census ACS
Mobile homesMobile homes. The share of homes here that are mobile or manufactured homes.Kind of figure: Survey estimateWhy it matters: Often among the cheapest homes to own, though the land under them may be rented.abSurvey estimate18.7%± 5.4 points—2024Census ACS
Median year builtMedian year built. The year the middle home here was built: half are older and half newer, as households told the Census.Kind of figure: Survey estimateWhy it matters: Older homes can need more upkeep and may contain lead paint or outdated wiring.abSurvey estimate1987± 3Near the top of 567 NJ ZIP codes with databetween 30th and 120th2024Census ACS
Built in 2000 or laterBuilt in 2000 or later. The share of homes here built in 2000 or later.Kind of figure: Survey estimateWhy it matters: Shows how much has been built recently, and how new the homes on offer may be.abSurvey estimate20.4%± 5.9 points—2024Census ACS
Built 1980 to 1999Built 1980 to 1999. The share of homes here built between 1980 and 1999.Kind of figure: Survey estimateWhy it matters: Part of the age of the homes here, from newest to oldest.abSurvey estimate50.0%± 9.3 points—2024Census ACS
Built 1940 to 1979Built 1940 to 1979. The share of homes here built between 1940 and 1979.Kind of figure: Survey estimateWhy it matters: Homes built before 1978 may contain lead paint, which a seller must disclose.abSurvey estimate25.6%± 5.7 points—2024Census ACS
Built before 1940Built before 1940. The share of homes here built before 1940.Kind of figure: Survey estimateWhy it matters: Very old homes can have character and high upkeep costs.abSurvey estimate4.0%± 3.0 points—2024Census ACS
Studios and one-bedroom homesStudios and one-bedroom homes. The share of homes here that are studios or have one bedroom.Kind of figure: Survey estimateWhy it matters: Says how much there is here for people living alone or as a couple.abSurvey estimate3.8%± 2.8 points—2024Census ACS
Two-bedroom homesTwo-bedroom homes. The share of homes here with two bedrooms.Kind of figure: Survey estimateWhy it matters: Part of the mix of home sizes here.abSurvey estimate24.7%± 5.6 points—2024Census ACS
Three-bedroom homesThree-bedroom homes. The share of homes here with three bedrooms.Kind of figure: Survey estimateWhy it matters: Part of the mix of home sizes here; the usual family house.abSurvey estimate33.2%± 5.1 points—2024Census ACS
Four or more bedroomsFour or more bedrooms. The share of homes here with four or more bedrooms.Kind of figure: Survey estimateWhy it matters: Says how much there is here for large households.abSurvey estimate38.2%± 6.7 points—2024Census ACS
Crowded homesCrowded homes. The share of homes here with more people than rooms, counting every room but bathrooms, as the Census measures crowding.Kind of figure: Survey estimateWhy it matters: Crowding is often how households cope when homes cost more than they can pay.abSurvey estimate1.7%0.0% to 4.3%Can’t be told apart from most of 595 NJ ZIP codes with databetween 1st and 513th2024Census ACS
Homes without complete plumbingHomes without complete plumbing. The share of homes here missing hot and cold running water, a bathtub or shower, or a flush toilet.Kind of figure: Survey estimateWhy it matters: A rare but basic sign of homes in poor condition.abSurvey estimate0.0%0.0% to 0.8%Can’t be told apart from most of 595 NJ ZIP codes with databetween 1st and 539th2024Census ACS
Homes without a complete kitchenHomes without a complete kitchen. The share of homes here missing a sink with a faucet, a stove or range, or a refrigerator.Kind of figure: Survey estimateWhy it matters: Often rooming houses or units carved out of larger homes, as well as homes in poor repair.abSurvey estimate0.0%0.0% to 0.8%Can’t be told apart from most of 595 NJ ZIP codes with databetween 1st and 448th2024Census ACS
Rental vacancy rateRental vacancy rate. The share of rental homes here that stood empty and for rent, as the Census defines the rental vacancy rate.Kind of figure: Survey estimateWhy it matters: A low rate means few rentals open at a time, which tends to push rents up.abSurvey estimate0.0%0.0% to 18.0%Can’t be told apart from most of 574 NJ ZIP codes with databetween 10th and 574th2024Census ACS
Homeowner vacancy rateHomeowner vacancy rate. The share of owned homes here that stood empty and for sale, as the Census defines the homeowner vacancy rate.Kind of figure: Survey estimateWhy it matters: A low rate means few homes on the market at a time, so buyers compete.abSurvey estimate0.0%0.0% to 1.0%Can’t be told apart from most of 591 NJ ZIP codes with databetween 29th and 591st2024Census ACS
Empty homes kept for seasonal useEmpty homes kept for seasonal use. Of the homes here with nobody living in them, the share kept as summer homes, rentals for vacations, or for occasional use.Kind of figure: Survey estimateWhy it matters: Explains a high vacancy rate at the shore, where most empty homes are not for rent or sale.abSurvey estimate89.6%77.2% to 100.0%—2024Census ACS
Empty for other reasonsEmpty for other reasons. Of the homes here with nobody living in them, the share empty for none of the usual reasons: being repaired, tied up in an estate or foreclosure, or abandoned.Kind of figure: Survey estimateWhy it matters: A high share can be a sign of neglected homes.abSurvey estimate10.4%0.0% to 26.1%—2024Census ACS
Households and getting around
People per householdPeople per household. How many people live in the average home here, as households told the Census.Kind of figure: Survey estimateWhy it matters: Larger households need more room, which says what kind of homes are in demand.abSurvey estimate2.57± 0.17Can’t be told apart from most of 594 NJ ZIP codes with databetween 137th and 483rd2024Census ACS
Households of one personHouseholds of one person. The share of households here that are one person living alone.Kind of figure: Survey estimateWhy it matters: Says how much of the demand here is for smaller homes.abSurvey estimate18.0%± 5.8 pointsToward the bottom of 595 NJ ZIP codes with databetween 228th and 579th2024Census ACS
Married-couple householdsMarried-couple households. The share of households here headed by a married couple.Kind of figure: Survey estimateWhy it matters: Part of who lives here.abSurvey estimate68.4%± 7.3 points—2024Census ACS
Households with childrenHouseholds with children. The share of households here with at least one child under 18.Kind of figure: Survey estimateWhy it matters: Families with children look for space and schools, which shapes what homes are in demand.abSurvey estimate30.9%± 4.9 pointsCan’t be told apart from most of 595 NJ ZIP codes with databetween 95th and 479th2024Census ACS
People with a disabilityPeople with a disability. The share of people here with a disability affecting hearing, sight, memory, walking, self-care or living on their own.Kind of figure: Survey estimateWhy it matters: Says how many people here may need homes that are accessible without stairs.abSurvey estimate10.3%± 2.5 pointsCan’t be told apart from most of 597 NJ ZIP codes with databetween 102nd and 508th2024Census ACS
Students at private schoolsStudents at private schools. Of the children who live here and attend kindergarten to grade 12, the share enrolled at a private school. Charter and county vocational schools count as public.Kind of figure: Survey estimateWhy it matters: Not every child who lives here attends the local district’s schools.abSurvey estimate9.4%± 7.5 pointsCan’t be told apart from most of 579 NJ ZIP codes with databetween 43rd and 574th2024Census ACS
Students at private schools, kindergarten to grade 8Students at private schools, kindergarten to grade 8. Of the children who live here in kindergarten to grade 8, the share enrolled at a private school.Kind of figure: Survey estimateWhy it matters: Private enrollment often differs between the younger grades and high school.abSurvey estimate6.3%0.0% to 13.8%Can’t be told apart from most of 574 NJ ZIP codes with databetween 59th and 574th2024Census ACS
Students at private schools, grades 9 to 12Students at private schools, grades 9 to 12. Of the children who live here in grades 9 to 12, the share enrolled at a private school.Kind of figure: Survey estimateWhy it matters: Private enrollment often differs between the younger grades and high school.abSurvey estimate16.9%0.0% to 34.7%Can’t be told apart from most of 570 NJ ZIP codes with databetween 9th and 570th2024Census ACS
Households without a carHouseholds without a car. The share of households here that have no car, van or truck.Kind of figure: Survey estimateWhy it matters: High where transit is good, and where households cannot afford a car.abSurvey estimate1.5%± 1.4 pointsToward the bottom of 595 NJ ZIP codes with databetween 301st and 595th2024Census ACS
Workers commuting by transitWorkers commuting by transit. The share of workers living here who usually get to work by bus, train, light rail or ferry.Kind of figure: Survey estimateWhy it matters: Shows how practical it is to get around here without a car.abSurvey estimate0.0%0.0% to 0.8%Toward the bottom of 594 NJ ZIP codes with databetween 380th and 594th2024Census ACS
Workers working from homeWorkers working from home. The share of workers living here who usually work from home.Kind of figure: Survey estimateWhy it matters: A place where many work from home draws people for its homes rather than its commute.abSurvey estimate8.3%± 4.2 pointsToward the bottom of 594 NJ ZIP codes with databetween 317th and 580th2024Census ACS
Workers driving aloneWorkers driving alone. The share of workers living here who usually drive to work alone.Kind of figure: Survey estimateWhy it matters: Part of how people here get to work.abSurvey estimate83.8%± 4.3 points—2024Census ACS
Workers walking to workWorkers walking to work. The share of workers living here who usually walk to work.Kind of figure: Survey estimateWhy it matters: Part of how people here get to work.abSurvey estimate0.0%0.0% to 0.8%—2024Census ACS
Commute, minutes each wayCommute, minutes each way. How many minutes the average worker living here takes to get to work, one way, not counting those who work from home.Kind of figure: Survey estimateWhy it matters: A cheaper home farther out can cost hours a week in travel.abSurvey estimate23.6 min± 5.2 minToward the top of 577 NJ ZIP codes with databetween 5th and 354th2024Census ACS
Commutes of an hour or moreCommutes of an hour or more. The share of workers living here who take an hour or more to get to work, one way.Kind of figure: Survey estimateWhy it matters: Long commutes are often the price of a cheaper home farther from jobs.abSurvey estimate5.3%± 2.7 points—2024Census ACS
Where people work and transit nearby
Jobs held by residentsJobs held by residents. Jobs held by people who live here, wherever the job is: jobs covered by unemployment insurance and federal civilian jobs, from the Census Bureau’s LODES.Kind of figure: Administrative recordsWhy it matters: The base the work shares are taken of. Self-employment and military jobs are not counted, and two jobs count twice.Administrative records2,668—2023Census LODES
Residents' jobs in their home countyResidents' jobs in their home county. The share of residents’ jobs located in the county they live in, their own town included.Kind of figure: Calculated hereWhy it matters: Shows how far most residents’ work reaches.Calculated here49.2%—2023Census LODES
Residents' jobs elsewhere in New JerseyResidents' jobs elsewhere in New Jersey. The share of residents’ jobs in New Jersey but outside their home county.Kind of figure: Calculated hereWhy it matters: Part of where residents work.Calculated here44.1%—2023Census LODES
Residents' jobs in New York CityResidents' jobs in New York City. The share of residents’ jobs located in New York City’s five boroughs.Kind of figure: Calculated hereWhy it matters: Where many residents work in the city, the trip across the Hudson shapes daily life and costs.Calculated here0.5%—2023Census LODES
Residents' jobs in PennsylvaniaResidents' jobs in Pennsylvania. The share of residents’ jobs located in Pennsylvania, Philadelphia included.Kind of figure: Calculated hereWhy it matters: Part of where residents work.Calculated here4.6%—2023Census LODES
Residents' jobs in other statesResidents' jobs in other states. The share of residents’ jobs outside New Jersey, New York City and Pennsylvania.Kind of figure: Calculated hereWhy it matters: Part of where residents work. LODES 2023 has no records for Alaska or Michigan.Calculated here1.6%—2023Census LODES
Homes within half a mile of a rail stopHomes within half a mile of a rail stop. The share of homes within half a mile, in a straight line, of a commuter rail, PATH, PATCO, subway or light rail stop.Kind of figure: Calculated hereWhy it matters: Nearness to a station, not how often trains call there.Calculated here0.0%—2026BTS transit
Homes within a quarter mile of a bus stopHomes within a quarter mile of a bus stop. The share of homes within a quarter mile, in a straight line, of a bus stop.Kind of figure: Calculated hereWhy it matters: A stop served once a day counts the same as one served every ten minutes.Calculated here8.1%—2026BTS transit
Homes near any transit stopHomes near any transit stop. The share of homes near a rail stop (half a mile) or a bus stop (a quarter mile).Kind of figure: Calculated hereWhy it matters: How much of the place is within a walk of some transit.Calculated here8.1%—2026BTS transit
Mortgages
Home-purchase mortgages madeHome-purchase mortgages made. Mortgages made to buy an owner-occupied home here in the year, as lenders report them under HMDA.Kind of figure: Administrative recordsWhy it matters: How active home buying with a mortgage is here. Cash purchases and small lenders below HMDA’s thresholds are not counted.Administrative records41—2025HMDA mortgages
Median mortgage rate, home purchasesMedian mortgage rate, home purchases. The median interest rate on home-purchase mortgages made here in the year.Kind of figure: Calculated hereWhy it matters: What borrowers here actually got, not a rate anyone is offered today.Calculated here6.6%—2025HMDA mortgages
Median mortgage, home purchasesMedian mortgage, home purchases. The median amount borrowed to buy a home here.Kind of figure: Calculated hereWhy it matters: Published rounded to the middle of each $10,000 range, for privacy.Calculated here$425,000—2025HMDA mortgages
Median loan-to-value, home purchasesMedian loan-to-value, home purchases. The median loan as a share of the home’s value.Kind of figure: Calculated hereWhy it matters: 100% less this is the typical down payment.Calculated here80.0%—2025HMDA mortgages
Median loan costs, home purchasesMedian loan costs, home purchases. The median of the loan costs disclosed at closing: origination charges, points and third-party services.Kind of figure: Calculated hereWhy it matters: Cash a buyer needs beyond the down payment.Calculated here$6,075—2025HMDA mortgages
Median borrower income, home purchasesMedian borrower income, home purchases. The median income lenders relied on for home-purchase mortgages here.Kind of figure: Calculated hereWhy it matters: Who is buying here with a mortgage.Calculated here$152,000—2025HMDA mortgages
Conventional loans, home purchasesConventional loans, home purchases. The share of home-purchase mortgages here that no government program insures.Kind of figure: Calculated hereWhy it matters: Part of how buyers here finance.Calculated here81.1%—2025HMDA mortgages
FHA loans, home purchasesFHA loans, home purchases. The share of home-purchase mortgages here insured by the FHA, which allows 3.5% down up to a county limit.Kind of figure: Calculated hereWhy it matters: A high share means many buyers here put little down.Calculated here15.2%—2025HMDA mortgages
VA loans, home purchasesVA loans, home purchases. The share of home-purchase mortgages here guaranteed by the Department of Veterans Affairs.Kind of figure: Calculated hereWhy it matters: Part of how buyers here finance.Calculated here3.7%—2025HMDA mortgages
Home-purchase applications deniedHome-purchase applications denied. Applications denied as a share of those decided.Kind of figure: Calculated hereWhy it matters: HMDA has no credit scores, so this is not a measure of who could qualify.Calculated here12.1%—2025HMDA mortgages
Flood and environment
Homes in FEMA's 1% flood zoneHomes in FEMA's 1% flood zone. The share of homes inside FEMA’s 1%-a-year flood zone, estimated from the 2020 Census’s homes against FEMA’s map in force.Kind of figure: Calculated hereWhy it matters: A flood there has at least a 26% chance over a 30-year mortgage, and a federally backed mortgage requires flood insurance. Outside the zone is not safe.Calculated here7.8%362nd of 533 NJ ZIP codes with data2026FEMA flood map
Homes in FEMA's 0.2% flood zoneHomes in FEMA's 0.2% flood zone. The share of homes in FEMA’s 0.2%-a-year flood zone, or behind a levee.Kind of figure: Calculated hereWhy it matters: Insurance is not required there, but floods still reach it.Calculated here4.3%424th of 533 NJ ZIP codes with data2026FEMA flood map
Homes in FEMA's 1% flood zone (count)Homes in FEMA's 1% flood zone (count). How many homes, as counted in 2020, are estimated to be in FEMA’s 1% flood zone.Kind of figure: Calculated hereWhy it matters: The number behind the share.Calculated here207—2026FEMA flood map
Homes FEMA's flood map determinesHomes FEMA's flood map determines. The share of homes where FEMA’s digital flood map gives a flood zone at all.Kind of figure: Calculated hereWhy it matters: Below 95%, no share in the zones is given: a share over homes the map does not reach would read as dry. Most of Morris County is in that position.Calculated here100.0%—2026FEMA flood map
Homes in the climate-adjusted tidal flood areaHomes in the climate-adjusted tidal flood area. The share of homes in NJDEP’s tidal flood area with four feet of sea-level rise added, for the 14 counties NJDEP mapped.Kind of figure: Calculated hereWhy it matters: New Jersey plans new coastal building for this line; it is a planning layer, not a flood map in force.Calculated here27.3%300th of 403 NJ ZIP codes with data2026NJDEP climate flood map
Flood insurance claims paidFlood insurance claims paid. Flood insurance claims the National Flood Insurance Program paid on, by the year of the flood.Kind of figure: Administrative recordsWhy it matters: Where floods have actually cost insured owners. Only insured homes claim, so it undercounts.Administrative records1—2012FEMA flood claims
Flood insurance paidFlood insurance paid. What the National Flood Insurance Program paid for floods in the year, in that year’s dollars.Kind of figure: Administrative recordsWhy it matters: How costly a flood year was here.Administrative records$2,043—2012FEMA flood claims
Contaminated sites, cleanup openContaminated sites, cleanup open. Contaminated sites NJDEP lists whose cleanup is under way or not yet begun.Kind of figure: Administrative recordsWhy it matters: A count, not a risk: where each site is, and what it is, is on NJDEP’s map.Administrative records1—2026NJDEP contaminated sites
Contaminated sites, cleaned up with controlsContaminated sites, cleaned up with controls. Sites cleaned up with controls that stay, such as a deed notice or a limit on using the ground water.Kind of figure: Administrative recordsWhy it matters: The land is usable, with conditions that pass to the next owner.Administrative records2—2026NJDEP contaminated sites
Home heating-oil tank cleanupsHome heating-oil tank cleanups. Leaking home heating-oil tanks being cleaned up, nearly all at houses.Kind of figure: Administrative recordsWhy it matters: Common where homes were heated with oil; worth asking about when buying an older house.Administrative records0—2026NJDEP contaminated sites
Homes on public waterHomes on public water. The share of homes inside a public water system’s service area.Kind of figure: Calculated hereWhy it matters: The rest mostly drink from private wells, which New Jersey has tested only when a home is sold or leased.Calculated here89.3%—2026NJDEP water areas
Homes on a system with a recent health-based violationHomes on a system with a recent health-based violation. The share of homes whose water system had a health-based violation in the last five full years: a contaminant over its limit, or treatment not done.Kind of figure: Calculated hereWhy it matters: A period the water broke a rule, not a measure of the water today; each system’s record says what happened.Calculated here0.4%—2026EPA water records
  1. aACSACS. 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. 5-year vintages overlap by four years, so consecutive estimates are not independent measurements and short windows understate the real separation.
  2. bCensus survey figures for a ZIP code are measured for its ZCTA, the area the Census builds from census blocks to approximate the ZIP's delivery routes; the two can differ. ZCTA figures begin with the 2016-2020 survey, the first drawn on 2020's ZCTAs, so none shows a five-year change yet.

Historical values

The latest 24 readings of each, newest first.

Home value index, houses and condos 24 readings
PeriodValueSourceMatched by
Sep 2026$487,350Zillow Home Value Indexzip_code
Aug 2026$486,013Zillow Home Value Indexzip_code
Jul 2026$484,604Zillow Home Value Indexzip_code
Jun 2026$481,600Zillow Home Value Indexzip_code
May 2026$478,043Zillow Home Value Indexzip_code
Apr 2026$475,324Zillow Home Value Indexzip_code
Mar 2026$473,799Zillow Home Value Indexzip_code
Feb 2026$471,349Zillow Home Value Indexzip_code
Jan 2026$468,427Zillow Home Value Indexzip_code
Dec 2025$465,229Zillow Home Value Indexzip_code
Nov 2025$462,262Zillow Home Value Indexzip_code
Oct 2025$460,580Zillow Home Value Indexzip_code
Sep 2025$458,897Zillow Home Value Indexzip_code
Aug 2025$456,749Zillow Home Value Indexzip_code
Jul 2025$454,443Zillow Home Value Indexzip_code
Jun 2025$452,868Zillow Home Value Indexzip_code
May 2025$453,294Zillow Home Value Indexzip_code
Apr 2025$454,611Zillow Home Value Indexzip_code
Mar 2025$454,025Zillow Home Value Indexzip_code
Feb 2025$453,437Zillow Home Value Indexzip_code
Jan 2025$450,838Zillow Home Value Indexzip_code
Dec 2024$449,524Zillow Home Value Indexzip_code
Nov 2024$447,346Zillow Home Value Indexzip_code
Oct 2024$445,233Zillow Home Value Indexzip_code
Median household income 5 readings
PeriodValueSourceMatched by
2024$115,152± $17,458American Community Survey, 5-year estimateszcta
2023$110,667± $12,422American Community Survey, 5-year estimateszcta
2022$109,046± $15,654American Community Survey, 5-year estimateszcta
2021$98,393± $13,490American Community Survey, 5-year estimateszcta
2020$95,444± $14,429American Community Survey, 5-year estimateszcta

Sources

SourcePublisherVintagesRetrievedLicence
National Transit Map — stopsBTS transit · bts_ntmBureau of Transportation Statisticscurrent2026-10-06Public domain (U.S. Government work)
American Community Survey, 5-year estimatesCensus ACS · census_acsU.S. Census Bureau20242026-10-01Public domain (U.S. Government work)
LEHD Origin-Destination Employment Statistics (LODES 8)Census LODES · census_lodesU.S. Census Bureau20232026-10-06Public domain (U.S. Government work)
Safe Drinking Water Information System — violationsEPA water records · epa_sdwisU.S. Environmental Protection Agencycurrent2026-10-03Public domain (U.S. Government work)
National Flood Hazard Layer — flood hazard zonesFEMA flood map · fema_nfhlFederal Emergency Management Agencycurrent2026-10-03Public domain (U.S. Government work)
NFIP Redacted Claims (v3)FEMA flood claims · fema_nfip_claimsFederal Emergency Management Agency (OpenFEMA)current2026-10-03OpenFEMA Terms and Conditions
Home Mortgage Disclosure Act data (HMDA)HMDA mortgages · ffiec_hmdaConsumer Financial Protection Bureau (FFIEC)20252026-10-07Public domain (U.S. Government work)
Computed by the platformCalculated here · hip_derivedHousing Intelligence Platformb8440bf3c940acf72026-10-22Derived from cited sources
Tidal Climate Adjusted Flood Elevation (sea-level rise 4 ft)NJDEP climate flood map · njdep_cafeNew Jersey Department of Environmental Protectioncurrent2026-10-03NJDEP Data Distribution Agreement
Known Contaminated Sites ListNJDEP contaminated sites · njdep_kcslNew Jersey Department of Environmental Protectioncurrent2026-10-16NJDEP Data Distribution Agreement
Public Community Water Purveyor Service AreasNJDEP water areas · njdep_water_areasNew Jersey Department of Environmental Protectioncurrent2026-10-03NJDEP Data Distribution Agreement
Zillow Home Value IndexZillow ZHVI · zillow_zhviZillow Researchcurrent2026-10-19Free for non-commercial use with attribution

Not for commercial useZillow Home Value Index is licensed for non-commercial use with attribution. Figures derived from it — this report included — carry that restriction onward, and this site cannot grant terms it was not given.