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Tinton Falls borough, NJ

ZIP 07712 — Housing & Real Estate

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

Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 07712

Median Home Value
$578,300
Median Rent
$1,406
Affordability Snapshot
$159,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,715/mo PITI).

18%
Rent-to-Income Ratio

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

6.0x
Home Price-to-Income Ratio

Well above the 3-5x guideline — challenging for first-time buyers.

34.3 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 07712 in Tinton Falls borough, NJ, a household would need roughly $159,000 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 $3,715. That is about 66% above the local median household income ($95,691), 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

Diverse housing tenure.

Heating Fuel
Housing Metrics
Owner Occupied
47.8%-27% vs US avg
x
Vacancy Rate
7.8%-24% vs US avg
x
Broadband Access
91.5%+5% vs US avg
x
4+ Bedrooms
5.2%-65% vs US avg
x
Built Pre-1939
3.7%-71% vs US avg
x
Built Post-2014
0.5%-93% vs US avg
x
Rent Burden >30%
28.1%-43% vs US avg
x
Mortgage-Free
32.5%-15% vs US avg
x
$578,300
Home Value
$1,406
Rent
1971
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

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

  • 1-unit detached39.8%
  • 1-unit attached9.0%
  • 2-9 units19.7%
  • 10+ units31.2%
  • Mobile home & other0.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$578,300
Median rent$1,406
Owner-occupied47.8%
Vacant7.8%
Price-to-income6.0x
Est. income to buy$159,000