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Union Beach borough, NJ

ZIP 07730 — 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 07730

Median Home Value
$452,500
Median Rent
$902
Affordability Snapshot
$125,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,907/mo PITI).

9%
Rent-to-Income Ratio

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

3.7x
Home Price-to-Income Ratio

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

41.8 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 07730 in Union Beach borough, NJ, a household would need roughly $125,000 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 $2,907. That is roughly in line with the local median household income ($122,276). 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
89.8%+37% vs US avg
x
Vacancy Rate
1.5%-85% vs US avg
x
Broadband Access
91.4%+5% vs US avg
x
4+ Bedrooms
5.8%-61% vs US avg
x
Built Pre-1939
1.4%-89% vs US avg
x
Built Post-2014
1.9%-73% vs US avg
x
Rent Burden >30%
28.1%-44% vs US avg
x
Mortgage-Free
37.7%-1% vs US avg
x
$452,500
Home Value
$902
Rent
1966
Year Built
2006
Moved In

Residents have lived here since ~2006 on average

Housing Structure

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

  • 1-unit detached81.5%
  • 1-unit attached4.0%
  • 2-9 units1.5%
  • 10+ units4.8%
  • Mobile home & other8.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$452,500
Median rent$902
Owner-occupied89.8%
Vacant1.5%
Price-to-income3.7x
Est. income to buy$125,000