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ZIP 07495 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2016–2020 5-Year Estimates. Page data updated 2026-08-02.

Upper Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 07495

Median Home Value
$531,100
Median Rent
$1,894
Affordability Snapshot
$146,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,412/mo PITI).

18%
Rent-to-Income Ratio

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

4.2x
Home Price-to-Income Ratio

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

23.4 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 07495, a household would need roughly $146,000 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 $3,412. That is about 16% above the local median household income ($126,161), 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

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

Heating Fuel
Housing Metrics
Owner Occupied
81.6%+25% vs US avg
x
Vacancy Rate
3.9%-62% vs US avg
x
Broadband Access
89.9%+3% vs US avg
x
4+ Bedrooms
8.8%-41% vs US avg
x
Built Pre-1939
13.2%+3% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
4.7%-91% vs US avg
x
Mortgage-Free
38.6%+1% vs US avg
x
$531,100
Home Value
$1,894
Rent
1958
Year Built
2003
Moved In

Residents have lived here since ~2003 on average

Housing Structure

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

  • 1-unit detached83.4%
  • 1-unit attached11.5%
  • 2-9 units5.0%
  • 10+ units0.0%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$531,100
Median rent$1,894
Owner-occupied81.6%
Vacant3.9%
Price-to-income4.2x
Est. income to buy$146,000