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Hoboken city, NJ

ZIP 07086 — Housing & Real Estate

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

Upper Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 07086

Median Home Value
$875,300
Median Rent
$2,369
Affordability Snapshot
$241,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$5,623/mo PITI).

23%
Rent-to-Income Ratio

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

7.1x
Home Price-to-Income Ratio

Well above the 3-5x guideline — challenging for first-time buyers.

30.8 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 07086 in Hoboken city, NJ, a household would need roughly $241,000 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 $5,623. That is about 96% above the local median household income ($122,653), 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

Vacancy rate 13% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
30.2%-54% vs US avg
x
Vacancy Rate
13.0%+26% vs US avg
x
Broadband Access
94.8%+9% vs US avg
x
4+ Bedrooms
1.9%-87% vs US avg
x
Built Pre-1939
3.7%-71% vs US avg
x
Built Post-2014
2.5%-64% vs US avg
x
Rent Burden >30%
15.8%-68% vs US avg
x
Mortgage-Free
32.9%-14% vs US avg
x
$875,300
Home Value
$2,369
Rent
1958
Year Built
2018
Moved In

Residents have lived here since ~2018 on average

Housing Structure

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

  • 1-unit detached8.7%
  • 1-unit attached5.3%
  • 2-9 units32.9%
  • 10+ units52.7%
  • Mobile home & other0.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$875,300
Median rent$2,369
Owner-occupied30.2%
Vacant13.0%
Price-to-income7.1x
Est. income to buy$241,000