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Raritan borough, NJ

ZIP 08869 — 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 08869

Median Home Value
$449,200
Median Rent
$1,732
Affordability Snapshot
$124,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,886/mo PITI).

20%
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.

21.6 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 08869 in Raritan borough, NJ, a household would need roughly $124,000 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 $2,886. That is about 20% above the local median household income ($103,699), 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

Diverse housing tenure.

Heating Fuel
Housing Metrics
Owner Occupied
53.4%-18% vs US avg
x
Vacancy Rate
1.5%-86% vs US avg
x
Broadband Access
94.7%+9% vs US avg
x
4+ Bedrooms
0.0%-100% vs US avg
x
Built Pre-1939
6.1%-52% vs US avg
x
Built Post-2014
4.3%-38% vs US avg
x
Rent Burden >30%
20.4%-59% vs US avg
x
Mortgage-Free
35.8%-6% vs US avg
x
$449,200
Home Value
$1,732
Rent
1965
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

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

  • 1-unit detached47.3%
  • 1-unit attached9.8%
  • 2-9 units24.6%
  • 10+ units18.1%
  • Mobile home & other0.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$449,200
Median rent$1,732
Owner-occupied53.4%
Vacant1.5%
Price-to-income4.3x
Est. income to buy$124,000