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Cream Ridge CDP, NJ

ZIP 08514 — 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 08514

Median Home Value
$508,000
Median Rent
$1,440
Affordability Snapshot
$140,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,263/mo PITI).

15%
Rent-to-Income Ratio

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

4.3x
Home Price-to-Income Ratio

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

29.4 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 08514 in Cream Ridge CDP, NJ, a household would need roughly $140,000 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 $3,263. That is about 18% above the local median household income ($118,854), 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 12% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
91.4%+40% vs US avg
x
Vacancy Rate
11.9%+15% vs US avg
x
Broadband Access
98.1%+13% vs US avg
x
4+ Bedrooms
10.3%-30% vs US avg
x
Built Pre-1939
2.1%-83% vs US avg
x
Built Post-2014
1.3%-82% vs US avg
x
Rent Burden >30%
28.8%-42% vs US avg
x
Mortgage-Free
42.3%+11% vs US avg
x
$508,000
Home Value
$1,440
Rent
1991
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 detached85.2%
  • 1-unit attached3.3%
  • 2-9 units2.2%
  • 10+ units0.0%
  • Mobile home & other9.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$508,000
Median rent$1,440
Owner-occupied91.4%
Vacant11.9%
Price-to-income4.3x
Est. income to buy$140,000