US5.com
  1. Home
  2. States
  3. New Jersey
  4. ZIP 07045
  5. Housing & Real Estate
Pine Brook CDP, NJ

ZIP 07045 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Wealthy AreaLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 07045

Median Home Value
$647,200
Median Rent
$3,501
Affordability Snapshot
$178,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$4,157/mo PITI).

23%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

3.6x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

15.4 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 07045 in Pine Brook CDP, NJ, a household would need roughly $178,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $4,157. That is roughly in line with the local median household income ($179,279). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Mostly owner-occupied, low vacancy — stable housing market.

Heating Fuel
Housing Metrics
Owner Occupied
97.8%+50% vs US avg
x
Vacancy Rate
2.5%-75% vs US avg
x
Broadband Access
97.8%+12% vs US avg
x
4+ Bedrooms
13.4%-9% vs US avg
x
Built Pre-1939
1.6%-87% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
31.3%-37% vs US avg
x
Mortgage-Free
34.7%-9% vs US avg
x
$647,200
Home Value
$3,501
Rent
1984
Year Built
2010
Moved In

Residents have lived here since ~2010 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached55.2%
  • 1-unit attached33.9%
  • 2-9 units6.3%
  • 10+ units4.2%
  • Mobile home & other0.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$647,200
Median rent$3,501
Owner-occupied97.8%
Vacant2.5%
Price-to-income3.6x
Est. income to buy$178,000