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Newfoundland CDP, NJ

ZIP 07435 — 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 07435

Median Home Value
$465,200
Median Rent
$2,008
Affordability Snapshot
$128,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,988/mo PITI).

17%
Rent-to-Income Ratio

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

3.2x
Home Price-to-Income Ratio

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

19.3 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 07435 in Newfoundland CDP, NJ, a household would need roughly $128,000 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 $2,988. That sits below the local median household income ($143,191), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 18% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
75.3%+15% vs US avg
x
Vacancy Rate
18.5%+79% vs US avg
x
Broadband Access
91.4%+5% vs US avg
x
4+ Bedrooms
4.0%-73% vs US avg
x
Built Pre-1939
2.5%-80% vs US avg
x
Built Post-2014
3.2%-54% vs US avg
x
Rent Burden >30%
12.8%-74% vs US avg
x
Mortgage-Free
44.5%+16% vs US avg
x
$465,200
Home Value
$2,008
Rent
1964
Year Built
2005
Moved In

Residents have lived here since ~2005 on average

Housing Structure

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

  • 1-unit detached93.3%
  • 1-unit attached0.0%
  • 2-9 units6.7%
  • 10+ units0.0%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$465,200
Median rent$2,008
Owner-occupied75.3%
Vacant18.5%
Price-to-income3.2x
Est. income to buy$128,000