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Pine Brook CDP, NJ

ZIP 07058 — Housing & Real Estate

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

Upper Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 07058

Median Home Value
$686,300
Median Rent
$2,077
Affordability Snapshot
$189,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$4,409/mo PITI).

17%
Rent-to-Income Ratio

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

4.7x
Home Price-to-Income Ratio

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

27.5 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 07058 in Pine Brook CDP, NJ, a household would need roughly $189,000 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 $4,409. That is about 28% above the local median household income ($147,207), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
67.7%+4% vs US avg
x
Vacancy Rate
2.1%-79% vs US avg
x
Broadband Access
99.3%+14% vs US avg
x
4+ Bedrooms
9.1%-38% vs US avg
x
Built Pre-1939
6.8%-47% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
4.6%-91% vs US avg
x
Mortgage-Free
43.0%+12% vs US avg
x
$686,300
Home Value
$2,077
Rent
1971
Year Built
2007
Moved In

Residents have lived here since ~2007 on average

Housing Structure

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

  • 1-unit detached67.0%
  • 1-unit attached1.9%
  • 2-9 units3.1%
  • 10+ units28.0%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$686,300
Median rent$2,077
Owner-occupied67.7%
Vacant2.1%
Price-to-income4.7x
Est. income to buy$189,000