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Camden city, NJ

ZIP 08104 — Housing & Real Estate

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

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 08104

Median Home Value
$87,600
Median Rent
$879
Affordability Snapshot
$24,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$563/mo PITI).

29%
Rent-to-Income Ratio

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

2.4x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

8.3 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 08104 in Camden city, NJ, a household would need roughly $24,000 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 $563. That sits below the local median household income ($36,566), 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

Vacancy rate 14% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
32.7%-50% vs US avg
x
Vacancy Rate
14.3%+38% vs US avg
x
Broadband Access
80.9%-7% vs US avg
x
4+ Bedrooms
0.7%-95% vs US avg
x
Built Pre-1939
9.3%-27% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
36.9%-26% vs US avg
x
Mortgage-Free
35.4%-7% vs US avg
x
$87,600
Home Value
$879
Rent
1950
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

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

  • 1-unit detached6.0%
  • 1-unit attached59.9%
  • 2-9 units17.8%
  • 10+ units15.1%
  • Mobile home & other1.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$87,600
Median rent$879
Owner-occupied32.7%
Vacant14.3%
Price-to-income2.4x
Est. income to buy$24,000