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Netcong borough, NJ

ZIP 07857 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 07857

Median Home Value
$344,300
Median Rent
$1,293
Affordability Snapshot
$95,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,212/mo PITI).

17%
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.

22.2 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 07857 in Netcong borough, NJ, a household would need roughly $95,000 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 $2,212. That is roughly in line with the local median household income ($92,596). 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
52.9%-19% vs US avg
x
Vacancy Rate
7.7%-25% vs US avg
x
Broadband Access
93.7%+8% vs US avg
x
4+ Bedrooms
3.1%-79% vs US avg
x
Built Pre-1939
14.8%+16% vs US avg
x
Built Post-2014
0.3%-95% vs US avg
x
Rent Burden >30%
35.1%-29% vs US avg
x
Mortgage-Free
22.1%-42% vs US avg
x
$344,300
Home Value
$1,293
Rent
1956
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

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

  • 1-unit detached65.3%
  • 1-unit attached4.1%
  • 2-9 units12.8%
  • 10+ units17.8%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$344,300
Median rent$1,293
Owner-occupied52.9%
Vacant7.7%
Price-to-income3.7x
Est. income to buy$95,000