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Ocean City city, NJ

ZIP 08226 — Housing & Real Estate

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

Upper Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 08226

Median Home Value
$719,100
Median Rent
$1,446
Affordability Snapshot
$198,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$4,619/mo PITI).

17%
Rent-to-Income Ratio

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

7.1x
Home Price-to-Income Ratio

Well above the 3-5x guideline — challenging for first-time buyers.

41.4 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 08226 in Ocean City city, NJ, a household would need roughly $198,000 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 $4,619. That is about 95% above the local median household income ($101,782), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 73% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
72.4%+11% vs US avg
x
Vacancy Rate
73.1%+610% vs US avg
x
Broadband Access
92.9%+7% vs US avg
x
4+ Bedrooms
7.9%-46% vs US avg
x
Built Pre-1939
3.1%-75% vs US avg
x
Built Post-2014
1.3%-82% vs US avg
x
Rent Burden >30%
36.4%-27% vs US avg
x
Mortgage-Free
50.6%+32% vs US avg
x
$719,100
Home Value
$1,446
Rent
1983
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 detached30.0%
  • 1-unit attached40.4%
  • 2-9 units21.0%
  • 10+ units8.6%
  • Mobile home & other0.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$719,100
Median rent$1,446
Owner-occupied72.4%
Vacant73.1%
Price-to-income7.1x
Est. income to buy$198,000