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, NJ

ZIP 08092 — 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 08092

Median Home Value
$473,600
Median Rent
$1,208
Affordability Snapshot
$130,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,042/mo PITI).

15%
Rent-to-Income Ratio

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

4.9x
Home Price-to-Income Ratio

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

32.7 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 08092 in NJ, a household would need roughly $130,000 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 $3,042. That is about 34% above the local median household income ($97,058), 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

Vacancy rate 18% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
83.3%+27% vs US avg
x
Vacancy Rate
17.8%+72% vs US avg
x
Broadband Access
89.0%+2% vs US avg
x
4+ Bedrooms
8.8%-41% vs US avg
x
Built Pre-1939
6.5%-49% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
8.9%-82% vs US avg
x
Mortgage-Free
39.0%+2% vs US avg
x
$473,600
Home Value
$1,208
Rent
1987
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 detached89.6%
  • 1-unit attached2.4%
  • 2-9 units4.3%
  • 10+ units0.8%
  • Mobile home & other2.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$473,600
Median rent$1,208
Owner-occupied83.3%
Vacant17.8%
Price-to-income4.9x
Est. income to buy$130,000