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Pine Beach borough, NJ

ZIP 08721 — 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 08721

Median Home Value
$353,900
Median Rent
$1,378
Affordability Snapshot
$97,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,273/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.

21.4 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 08721 in Pine Beach borough, NJ, a household would need roughly $97,000 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 $2,273. That is roughly in line with the local median household income ($104,361). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 12% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
85.0%+30% vs US avg
x
Vacancy Rate
11.8%+14% vs US avg
x
Broadband Access
93.3%+7% vs US avg
x
4+ Bedrooms
5.6%-62% vs US avg
x
Built Pre-1939
0.9%-93% vs US avg
x
Built Post-2014
0.2%-98% vs US avg
x
Rent Burden >30%
34.7%-30% vs US avg
x
Mortgage-Free
28.3%-26% vs US avg
x
$353,900
Home Value
$1,378
Rent
1982
Year Built
2008
Moved In

Residents have lived here since ~2008 on average

Housing Structure

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

  • 1-unit detached87.9%
  • 1-unit attached2.2%
  • 2-9 units5.0%
  • 10+ units4.9%
  • Mobile home & other0.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$353,900
Median rent$1,378
Owner-occupied85.0%
Vacant11.8%
Price-to-income3.4x
Est. income to buy$97,000