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Jersey City city, NJ

ZIP 07310 — 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 07310

Median Home Value
$880,300
Median Rent
$3,373
Affordability Snapshot
$242,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$5,655/mo PITI).

23%
Rent-to-Income Ratio

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

5.1x
Home Price-to-Income Ratio

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

21.7 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 07310 in Jersey City city, NJ, a household would need roughly $242,000 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 $5,655. That is about 40% above the local median household income ($172,946), 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
10.7%-84% vs US avg
x
Vacancy Rate
9.7%-6% vs US avg
x
Broadband Access
96.3%+11% vs US avg
x
4+ Bedrooms
0.0%
x
Built Pre-1939
0.8%-94% vs US avg
x
Built Post-2014
1.3%-82% vs US avg
x
Rent Burden >30%
19.5%-61% vs US avg
x
Mortgage-Free
33.8%-12% vs US avg
x
$880,300
Home Value
$3,373
Rent
2002
Year Built
2020
Moved In

Residents have lived here since ~2020 on average

Housing Structure

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

  • 1-unit detached0.8%
  • 1-unit attached0.9%
  • 2-9 units4.0%
  • 10+ units94.2%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$880,300
Median rent$3,373
Owner-occupied10.7%
Vacant9.7%
Price-to-income5.1x
Est. income to buy$242,000