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Rumson borough, NJ

ZIP 07760 — Housing & Real Estate

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

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Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 07760

Median Home Value
$1,275,000
Median Rent
$1,961
Affordability Snapshot
$351,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$8,190/mo PITI).

11%
Rent-to-Income Ratio

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

5.9x
Home Price-to-Income Ratio

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

54.2 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 07760 in Rumson borough, NJ, a household would need roughly $351,000 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 $8,190. That is about 61% above the local median household income ($217,545), 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
88.3%+35% vs US avg
x
Vacancy Rate
8.4%-18% vs US avg
x
Broadband Access
97.4%+12% vs US avg
x
4+ Bedrooms
21.7%+47% vs US avg
x
Built Pre-1939
4.0%-69% vs US avg
x
Built Post-2014
1.5%-79% vs US avg
x
Rent Burden >30%
13.4%-73% vs US avg
x
Mortgage-Free
41.3%+8% vs US avg
x
$1,275,000
Home Value
$1,961
Rent
1971
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 detached76.7%
  • 1-unit attached7.8%
  • 2-9 units6.3%
  • 10+ units9.1%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$1,275,000
Median rent$1,961
Owner-occupied88.3%
Vacant8.4%
Price-to-income5.9x
Est. income to buy$351,000