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Layton CDP, NJ

ZIP 07827 — Housing & Real Estate

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

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 07827

Median Home Value
$298,000
Median Rent
$1,105
Affordability Snapshot
$82,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,914/mo PITI).

13%
Rent-to-Income Ratio

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

3.0x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

22.5 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 07827 in Layton CDP, NJ, a household would need roughly $82,000 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 $1,914. That sits below the local median household income ($99,938), 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
88.6%+36% vs US avg
x
Vacancy Rate
9.9%-4% vs US avg
x
Broadband Access
95.0%+9% vs US avg
x
4+ Bedrooms
1.6%-89% vs US avg
x
Built Pre-1939
1.6%-88% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
61.6%+24% vs US avg
x
Mortgage-Free
41.0%+7% vs US avg
x
$298,000
Home Value
$1,105
Rent
1976
Year Built
2009
Moved In

Residents have lived here since ~2009 on average

Housing Structure

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

  • 1-unit detached78.8%
  • 1-unit attached1.3%
  • 2-9 units14.4%
  • 10+ units3.5%
  • Mobile home & other2.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$298,000
Median rent$1,105
Owner-occupied88.6%
Vacant9.9%
Price-to-income3.0x
Est. income to buy$82,000