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Stone Harbor borough, NJ

ZIP 08247 — Housing & Real Estate

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

Upper Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 08247

Median Home Value
$1,773,800
Median Rent
$1,329
Affordability Snapshot
$488,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$11,394/mo PITI).

12%
Rent-to-Income Ratio

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

13.2x
Home Price-to-Income Ratio

Well above the 3-5x guideline — challenging for first-time buyers.

111.2 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 08247 in Stone Harbor borough, NJ, a household would need roughly $488,000 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 $11,394. That is about 264% above the local median household income ($133,929), 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 84% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
85.8%+31% vs US avg
x
Vacancy Rate
84.2%+717% vs US avg
x
Broadband Access
95.2%+9% vs US avg
x
4+ Bedrooms
26.0%+76% vs US avg
x
Built Pre-1939
3.2%-75% vs US avg
x
Built Post-2014
0.6%-91% vs US avg
x
Rent Burden >30%
10.8%-78% vs US avg
x
Mortgage-Free
50.9%+33% vs US avg
x
$1,773,800
Home Value
$1,329
Rent
1978
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 detached69.2%
  • 1-unit attached18.2%
  • 2-9 units8.1%
  • 10+ units4.3%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$1,773,800
Median rent$1,329
Owner-occupied85.8%
Vacant84.2%
Price-to-income13.2x
Est. income to buy$488,000