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South Plainfield borough, NJ

ZIP 08820 — Housing & Real Estate

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

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Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 08820

Median Home Value
$597,700
Median Rent
$1,715
Affordability Snapshot
$165,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,839/mo PITI).

12%
Rent-to-Income Ratio

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

3.5x
Home Price-to-Income Ratio

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

29.0 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 08820 in South Plainfield borough, NJ, a household would need roughly $165,000 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 $3,839. That is roughly in line with the local median household income ($168,453). 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
76.0%+16% vs US avg
x
Vacancy Rate
1.8%-82% vs US avg
x
Broadband Access
94.8%+9% vs US avg
x
4+ Bedrooms
10.1%-32% vs US avg
x
Built Pre-1939
1.1%-91% vs US avg
x
Built Post-2014
0.3%-95% vs US avg
x
Rent Burden >30%
14.9%-70% vs US avg
x
Mortgage-Free
43.0%+12% vs US avg
x
$597,700
Home Value
$1,715
Rent
1982
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 detached59.4%
  • 1-unit attached18.6%
  • 2-9 units10.8%
  • 10+ units11.2%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$597,700
Median rent$1,715
Owner-occupied76.0%
Vacant1.8%
Price-to-income3.5x
Est. income to buy$165,000