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Tinton Falls borough, NJ

ZIP 07727 — 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 07727

Median Home Value
$585,900
Median Rent
$1,712
Affordability Snapshot
$161,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,764/mo PITI).

16%
Rent-to-Income Ratio

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

4.5x
Home Price-to-Income Ratio

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

28.5 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 07727 in Tinton Falls borough, NJ, a household would need roughly $161,000 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 $3,764. That is about 23% above the local median household income ($131,125), 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
84.5%+29% vs US avg
x
Vacancy Rate
6.2%-39% vs US avg
x
Broadband Access
94.3%+8% vs US avg
x
4+ Bedrooms
8.1%-45% vs US avg
x
Built Pre-1939
3.2%-75% vs US avg
x
Built Post-2014
1.3%-81% vs US avg
x
Rent Burden >30%
22.7%-54% vs US avg
x
Mortgage-Free
44.2%+16% vs US avg
x
$585,900
Home Value
$1,712
Rent
1991
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

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

  • 1-unit detached78.7%
  • 1-unit attached6.5%
  • 2-9 units9.3%
  • 10+ units2.9%
  • Mobile home & other2.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$585,900
Median rent$1,712
Owner-occupied84.5%
Vacant6.2%
Price-to-income4.5x
Est. income to buy$161,000