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West Freehold CDP, NJ

ZIP 07728 — Housing & Real Estate

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

Upper Middle ClassLarge CommunityLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 07728

Median Home Value
$490,000
Median Rent
$1,771
Affordability Snapshot
$135,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,148/mo PITI).

20%
Rent-to-Income Ratio

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

4.6x
Home Price-to-Income Ratio

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

23.1 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 07728 in West Freehold CDP, NJ, a household would need roughly $135,000 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 $3,148. That is about 26% above the local median household income ($107,042), 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
77.1%+18% vs US avg
x
Vacancy Rate
3.0%-71% vs US avg
x
Broadband Access
90.7%+4% vs US avg
x
4+ Bedrooms
8.4%-43% vs US avg
x
Built Pre-1939
2.1%-84% vs US avg
x
Built Post-2014
0.5%-93% vs US avg
x
Rent Burden >30%
29.4%-41% vs US avg
x
Mortgage-Free
35.7%-7% vs US avg
x
$490,000
Home Value
$1,771
Rent
1980
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

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

  • 1-unit detached61.8%
  • 1-unit attached16.2%
  • 2-9 units11.6%
  • 10+ units8.6%
  • Mobile home & other1.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$490,000
Median rent$1,771
Owner-occupied77.1%
Vacant3.0%
Price-to-income4.6x
Est. income to buy$135,000