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Williamstown CDP, NJ

ZIP 08094 — Housing & Real Estate

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

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 08094

Median Home Value
$260,200
Median Rent
$1,278
Affordability Snapshot
$72,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,671/mo PITI).

17%
Rent-to-Income Ratio

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

2.8x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

17.0 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 08094 in Williamstown CDP, NJ, a household would need roughly $72,000 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 $1,671. That sits below the local median household income ($92,125), suggesting the typical household income is closer to a workable buy-in level under these assumptions. 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
82.6%+26% vs US avg
x
Vacancy Rate
3.8%-63% vs US avg
x
Broadband Access
89.0%+2% vs US avg
x
4+ Bedrooms
5.6%-62% vs US avg
x
Built Pre-1939
2.3%-82% vs US avg
x
Built Post-2014
1.2%-82% vs US avg
x
Rent Burden >30%
26.2%-47% vs US avg
x
Mortgage-Free
34.9%-9% vs US avg
x
$260,200
Home Value
$1,278
Rent
1982
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 detached75.0%
  • 1-unit attached6.2%
  • 2-9 units6.3%
  • 10+ units4.8%
  • Mobile home & other7.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$260,200
Median rent$1,278
Owner-occupied82.6%
Vacant3.8%
Price-to-income2.8x
Est. income to buy$72,000