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Smithville CDP, NJ

ZIP 08205 — 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 08205

Median Home Value
$263,300
Median Rent
$1,306
Affordability Snapshot
$72,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,691/mo PITI).

18%
Rent-to-Income Ratio

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

3.0x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

16.8 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 08205 in Smithville 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 $1,691. That sits below the local median household income ($88,636), 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
79.9%+22% vs US avg
x
Vacancy Rate
4.2%-59% vs US avg
x
Broadband Access
92.1%+6% vs US avg
x
4+ Bedrooms
4.9%-67% vs US avg
x
Built Pre-1939
1.4%-89% vs US avg
x
Built Post-2014
0.2%-97% vs US avg
x
Rent Burden >30%
28.4%-43% vs US avg
x
Mortgage-Free
34.5%-10% vs US avg
x
$263,300
Home Value
$1,306
Rent
1987
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 detached65.7%
  • 1-unit attached12.2%
  • 2-9 units13.1%
  • 10+ units7.5%
  • Mobile home & other1.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$263,300
Median rent$1,306
Owner-occupied79.9%
Vacant4.2%
Price-to-income3.0x
Est. income to buy$72,000