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Laurence Harbor CDP, NJ

ZIP 07721 — 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 07721

Median Home Value
$387,500
Median Rent
$1,850
Affordability Snapshot
$107,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,489/mo PITI).

17%
Rent-to-Income Ratio

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

3.0x
Home Price-to-Income Ratio

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

17.5 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 07721 in Laurence Harbor CDP, NJ, a household would need roughly $107,000 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 $2,489. That sits below the local median household income ($128,110), 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

Diverse housing tenure.

Heating Fuel
Housing Metrics
Owner Occupied
54.6%-17% vs US avg
x
Vacancy Rate
0.0%
x
Broadband Access
93.4%+7% vs US avg
x
4+ Bedrooms
0.5%-97% vs US avg
x
Built Pre-1939
0.0%
x
Built Post-2014
4.6%-33% vs US avg
x
Rent Burden >30%
24.3%-51% vs US avg
x
Mortgage-Free
18.4%-52% vs US avg
x
$387,500
Home Value
$1,850
Rent
1983
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 detached37.6%
  • 1-unit attached19.6%
  • 2-9 units19.0%
  • 10+ units22.9%
  • Mobile home & other0.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$387,500
Median rent$1,850
Owner-occupied54.6%
Vacant0.0%
Price-to-income3.0x
Est. income to buy$107,000