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Layton CDP, NJ

ZIP 07851 — Housing & Real Estate

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

Upper Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 07851

Median Home Value
$322,500
Median Rent
N/A
Affordability Snapshot
$89,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,072/mo PITI).

3.1x
Home Price-to-Income Ratio

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

To comfortably buy a median-priced home in ZIP 07851 in Layton CDP, NJ, a household would need roughly $89,000 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 $2,072. That sits below the local median household income ($105,139), 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

Vacancy rate 11% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
97.6%+49% vs US avg
x
Vacancy Rate
11.3%+9% vs US avg
x
Broadband Access
70.6%-19% vs US avg
x
4+ Bedrooms
0.0%
x
Built Pre-1939
2.1%-84% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
0.0%
x
Mortgage-Free
42.3%+11% vs US avg
x
$322,500
Home Value
N/A
Rent
1959
Year Built
2003
Moved In

Residents have lived here since ~2003 on average

Housing Structure

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

  • 1-unit detached97.9%
  • 1-unit attached2.1%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$322,500
Median rent$-666,666,666
Owner-occupied97.6%
Vacant11.3%
Price-to-income3.1x
Est. income to buy$89,000