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Lincroft CDP, NJ

ZIP 07738 — 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 07738

Median Home Value
$719,000
Median Rent
$820
Affordability Snapshot
$198,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$4,619/mo PITI).

6%
Rent-to-Income Ratio

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

4.3x
Home Price-to-Income Ratio

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

73.1 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 07738 in Lincroft CDP, NJ, a household would need roughly $198,000 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 $4,619. That is about 17% above the local median household income ($168,945), 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
88.3%+35% vs US avg
x
Vacancy Rate
0.0%
x
Broadband Access
91.3%+5% vs US avg
x
4+ Bedrooms
8.7%-41% vs US avg
x
Built Pre-1939
1.5%-88% vs US avg
x
Built Post-2014
2.1%-70% vs US avg
x
Rent Burden >30%
13.7%-72% vs US avg
x
Mortgage-Free
30.4%-20% vs US avg
x
$719,000
Home Value
$820
Rent
1972
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 detached82.0%
  • 1-unit attached4.6%
  • 2-9 units0.8%
  • 10+ units10.0%
  • Mobile home & other2.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$719,000
Median rent$820
Owner-occupied88.3%
Vacant0.0%
Price-to-income4.3x
Est. income to buy$198,000