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Hackettstown town, NJ

ZIP 07840 — 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 07840

Median Home Value
$373,000
Median Rent
$1,389
Affordability Snapshot
$103,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,396/mo PITI).

15%
Rent-to-Income Ratio

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

3.5x
Home Price-to-Income Ratio

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

22.4 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 07840 in Hackettstown town, NJ, a household would need roughly $103,000 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 $2,396. That is roughly in line with the local median household income ($107,956). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
70.8%+8% vs US avg
x
Vacancy Rate
1.7%-84% vs US avg
x
Broadband Access
93.5%+7% vs US avg
x
4+ Bedrooms
4.5%-70% vs US avg
x
Built Pre-1939
2.7%-79% vs US avg
x
Built Post-2014
0.1%-98% vs US avg
x
Rent Burden >30%
23.2%-53% vs US avg
x
Mortgage-Free
27.8%-27% vs US avg
x
$373,000
Home Value
$1,389
Rent
1982
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

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

  • 1-unit detached53.5%
  • 1-unit attached19.1%
  • 2-9 units13.8%
  • 10+ units13.2%
  • Mobile home & other0.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$373,000
Median rent$1,389
Owner-occupied70.8%
Vacant1.7%
Price-to-income3.5x
Est. income to buy$103,000