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Moonachie borough, NJ

ZIP 07074 — 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 07074

Median Home Value
$450,800
Median Rent
$965
Affordability Snapshot
$124,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,896/mo PITI).

11%
Rent-to-Income Ratio

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

4.2x
Home Price-to-Income Ratio

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

38.9 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 07074 in Moonachie 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 $2,896. That is roughly in line with the local median household income ($108,359). 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
69.0%+6% vs US avg
x
Vacancy Rate
4.9%-53% vs US avg
x
Broadband Access
93.9%+8% vs US avg
x
4+ Bedrooms
2.7%-81% vs US avg
x
Built Pre-1939
6.3%-51% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
13.8%-72% vs US avg
x
Mortgage-Free
50.9%+33% vs US avg
x
$450,800
Home Value
$965
Rent
1968
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 detached53.5%
  • 1-unit attached4.6%
  • 2-9 units6.5%
  • 10+ units0.0%
  • Mobile home & other35.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$450,800
Median rent$965
Owner-occupied69.0%
Vacant4.9%
Price-to-income4.2x
Est. income to buy$124,000