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Fords CDP, NJ

ZIP 08863 — 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 08863

Median Home Value
$414,100
Median Rent
$1,871
Affordability Snapshot
$114,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,660/mo PITI).

19%
Rent-to-Income Ratio

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

3.6x
Home Price-to-Income Ratio

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

18.4 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 08863 in Fords CDP, NJ, a household would need roughly $114,000 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 $2,660. That is roughly in line with the local median household income ($116,250). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
71.9%+10% vs US avg
x
Vacancy Rate
1.7%-84% vs US avg
x
Broadband Access
95.7%+10% vs US avg
x
4+ Bedrooms
5.3%-64% vs US avg
x
Built Pre-1939
14.8%+15% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
16.9%-66% vs US avg
x
Mortgage-Free
30.4%-21% vs US avg
x
$414,100
Home Value
$1,871
Rent
1957
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

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

  • 1-unit detached70.9%
  • 1-unit attached5.3%
  • 2-9 units5.2%
  • 10+ units18.3%
  • Mobile home & other0.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$414,100
Median rent$1,871
Owner-occupied71.9%
Vacant1.7%
Price-to-income3.6x
Est. income to buy$114,000