US5.com
  1. Home
  2. States
  3. New Jersey
  4. ZIP 07865
  5. Housing & Real Estate
Port Murray CDP, NJ

ZIP 07865 — 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 07865

Median Home Value
$373,500
Median Rent
$1,443
Affordability Snapshot
$103,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,399/mo PITI).

16%
Rent-to-Income Ratio

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

3.4x
Home Price-to-Income Ratio

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

21.6 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 07865 in Port Murray CDP, 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 $2,399. That is roughly in line with the local median household income ($108,881). 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
82.5%+26% vs US avg
x
Vacancy Rate
3.9%-62% vs US avg
x
Broadband Access
96.1%+10% vs US avg
x
4+ Bedrooms
4.8%-68% vs US avg
x
Built Pre-1939
3.4%-73% vs US avg
x
Built Post-2014
1.8%-73% vs US avg
x
Rent Burden >30%
0.0%
x
Mortgage-Free
42.3%+11% vs US avg
x
$373,500
Home Value
$1,443
Rent
1970
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 detached98.3%
  • 1-unit attached0.0%
  • 2-9 units1.7%
  • 10+ units0.0%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$373,500
Median rent$1,443
Owner-occupied82.5%
Vacant3.9%
Price-to-income3.4x
Est. income to buy$103,000