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Auburn CDP, NJ

ZIP 08098 — 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 08098

Median Home Value
$297,600
Median Rent
$1,127
Affordability Snapshot
$82,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,912/mo PITI).

11%
Rent-to-Income Ratio

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

2.5x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

22.0 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 08098 in Auburn 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 $1,912. That sits below the local median household income ($119,000), 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 10% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
75.4%+15% vs US avg
x
Vacancy Rate
10.3%-0% vs US avg
x
Broadband Access
93.3%+7% vs US avg
x
4+ Bedrooms
6.4%-56% vs US avg
x
Built Pre-1939
4.0%-69% vs US avg
x
Built Post-2014
0.3%-96% vs US avg
x
Rent Burden >30%
11.5%-77% vs US avg
x
Mortgage-Free
33.0%-14% vs US avg
x
$297,600
Home Value
$1,127
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 detached78.0%
  • 1-unit attached2.8%
  • 2-9 units9.9%
  • 10+ units5.7%
  • Mobile home & other3.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$297,600
Median rent$1,127
Owner-occupied75.4%
Vacant10.3%
Price-to-income2.5x
Est. income to buy$82,000