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Oakland borough, NJ

ZIP 07436 — 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 07436

Median Home Value
$566,900
Median Rent
$1,391
Affordability Snapshot
$156,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,642/mo PITI).

10%
Rent-to-Income Ratio

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

3.5x
Home Price-to-Income Ratio

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

34.0 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 07436 in Oakland borough, NJ, a household would need roughly $156,000 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 $3,642. That is roughly in line with the local median household income ($162,763). 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
91.8%+40% vs US avg
x
Vacancy Rate
6.2%-39% vs US avg
x
Broadband Access
96.2%+11% vs US avg
x
4+ Bedrooms
5.6%-62% vs US avg
x
Built Pre-1939
5.0%-61% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
18.1%-64% vs US avg
x
Mortgage-Free
30.3%-21% vs US avg
x
$566,900
Home Value
$1,391
Rent
1960
Year Built
2009
Moved In

Residents have lived here since ~2009 on average

Housing Structure

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

  • 1-unit detached91.0%
  • 1-unit attached4.3%
  • 2-9 units3.7%
  • 10+ units0.9%
  • Mobile home & other0.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$566,900
Median rent$1,391
Owner-occupied91.8%
Vacant6.2%
Price-to-income3.5x
Est. income to buy$156,000