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English Creek CDP, NJ

ZIP 08234 — 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 08234

Median Home Value
$285,700
Median Rent
$1,158
Affordability Snapshot
$79,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,835/mo PITI).

14%
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.

20.6 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 08234 in English Creek CDP, NJ, a household would need roughly $79,000 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 $1,835. That sits below the local median household income ($96,604), 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

Mostly owner-occupied, low vacancy — stable housing market.

Heating Fuel
Housing Metrics
Owner Occupied
83.8%+28% vs US avg
x
Vacancy Rate
4.5%-56% vs US avg
x
Broadband Access
96.2%+11% vs US avg
x
4+ Bedrooms
3.5%-76% vs US avg
x
Built Pre-1939
2.4%-81% vs US avg
x
Built Post-2014
0.8%-88% vs US avg
x
Rent Burden >30%
22.9%-54% vs US avg
x
Mortgage-Free
37.6%-2% vs US avg
x
$285,700
Home Value
$1,158
Rent
1992
Year Built
2010
Moved In

Residents have lived here since ~2010 on average

Housing Structure

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

  • 1-unit detached74.5%
  • 1-unit attached3.8%
  • 2-9 units6.1%
  • 10+ units4.8%
  • Mobile home & other10.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$285,700
Median rent$1,158
Owner-occupied83.8%
Vacant4.5%
Price-to-income3.0x
Est. income to buy$79,000