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Hopatcong borough, NJ

ZIP 07821 — 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 07821

Median Home Value
$401,900
Median Rent
$1,351
Affordability Snapshot
$111,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,582/mo PITI).

11%
Rent-to-Income Ratio

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

2.8x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

24.8 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 07821 in Hopatcong borough, NJ, a household would need roughly $111,000 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 $2,582. That sits below the local median household income ($145,100), suggesting the typical household income is closer to a workable buy-in level under these assumptions. 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
92.3%+41% vs US avg
x
Vacancy Rate
8.1%-21% vs US avg
x
Broadband Access
96.2%+11% vs US avg
x
4+ Bedrooms
3.8%-75% vs US avg
x
Built Pre-1939
5.5%-57% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
3.7%-92% vs US avg
x
Mortgage-Free
31.6%-17% vs US avg
x
$401,900
Home Value
$1,351
Rent
1972
Year Built
2008
Moved In

Residents have lived here since ~2008 on average

Housing Structure

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

  • 1-unit detached96.6%
  • 1-unit attached0.0%
  • 2-9 units3.4%
  • 10+ units0.0%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$401,900
Median rent$1,351
Owner-occupied92.3%
Vacant8.1%
Price-to-income2.8x
Est. income to buy$111,000