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Bradley Beach borough, NJ

ZIP 07720 — 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 07720

Median Home Value
$857,200
Median Rent
$1,588
Affordability Snapshot
$236,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$5,506/mo PITI).

20%
Rent-to-Income Ratio

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

9.0x
Home Price-to-Income Ratio

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

45.0 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 07720 in Bradley Beach borough, NJ, a household would need roughly $236,000 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 $5,506. That is about 149% above the local median household income ($94,722), 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

Vacancy rate 29% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
48.3%-26% vs US avg
x
Vacancy Rate
28.8%+179% vs US avg
x
Broadband Access
90.5%+4% vs US avg
x
4+ Bedrooms
4.0%-73% vs US avg
x
Built Pre-1939
7.4%-42% vs US avg
x
Built Post-2014
1.0%-86% vs US avg
x
Rent Burden >30%
28.8%-42% vs US avg
x
Mortgage-Free
55.2%+44% vs US avg
x
$857,200
Home Value
$1,588
Rent
1970
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 detached50.0%
  • 1-unit attached6.2%
  • 2-9 units19.2%
  • 10+ units24.6%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$857,200
Median rent$1,588
Owner-occupied48.3%
Vacant28.8%
Price-to-income9.0x
Est. income to buy$236,000