US5.com
  1. Home
  2. States
  3. New Jersey
  4. ZIP 07512
  5. Housing & Real Estate
Totowa borough, NJ

ZIP 07512 — 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 07512

Median Home Value
$507,700
Median Rent
$1,356
Affordability Snapshot
$140,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,261/mo PITI).

14%
Rent-to-Income Ratio

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

4.4x
Home Price-to-Income Ratio

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

31.2 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 07512 in Totowa borough, NJ, a household would need roughly $140,000 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 $3,261. That is about 23% above the local median household income ($114,177), 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

Mostly owner-occupied, low vacancy — stable housing market.

Heating Fuel
Housing Metrics
Owner Occupied
76.1%+16% vs US avg
x
Vacancy Rate
2.8%-73% vs US avg
x
Broadband Access
96.8%+11% vs US avg
x
4+ Bedrooms
5.0%-66% vs US avg
x
Built Pre-1939
9.6%-25% vs US avg
x
Built Post-2014
1.6%-78% vs US avg
x
Rent Burden >30%
7.2%-86% vs US avg
x
Mortgage-Free
32.0%-16% vs US avg
x
$507,700
Home Value
$1,356
Rent
1958
Year Built
2009
Moved In

Residents have lived here since ~2009 on average

Housing Structure

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

  • 1-unit detached70.9%
  • 1-unit attached9.1%
  • 2-9 units16.7%
  • 10+ units3.3%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$507,700
Median rent$1,356
Owner-occupied76.1%
Vacant2.8%
Price-to-income4.4x
Est. income to buy$140,000