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Towaco CDP, NJ

ZIP 07082 — Housing & Real Estate

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

Wealthy AreaLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 07082

Median Home Value
$686,800
Median Rent
$2,158
Affordability Snapshot
$189,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$4,412/mo PITI).

13%
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.

26.5 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 07082 in Towaco CDP, NJ, a household would need roughly $189,000 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 $4,412. That is roughly in line with the local median household income ($194,464). 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
95.0%+45% vs US avg
x
Vacancy Rate
1.3%-87% vs US avg
x
Broadband Access
95.2%+9% vs US avg
x
4+ Bedrooms
12.4%-16% vs US avg
x
Built Pre-1939
5.0%-61% vs US avg
x
Built Post-2014
0.5%-92% vs US avg
x
Rent Burden >30%
4.8%-90% vs US avg
x
Mortgage-Free
45.2%+18% vs US avg
x
$686,800
Home Value
$2,158
Rent
1973
Year Built
2002
Moved In

Residents have lived here since ~2002 on average

Housing Structure

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

  • 1-unit detached88.4%
  • 1-unit attached9.3%
  • 2-9 units0.4%
  • 10+ units1.9%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$686,800
Median rent$2,158
Owner-occupied95.0%
Vacant1.3%
Price-to-income3.5x
Est. income to buy$189,000