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Pine Beach borough, NJ

ZIP 08741 — 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 08741

Median Home Value
$449,900
Median Rent
$988
Affordability Snapshot
$124,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,890/mo PITI).

8%
Rent-to-Income Ratio

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

3.2x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

37.9 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 08741 in Pine Beach borough, NJ, a household would need roughly $124,000 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 $2,890. That sits below the local median household income ($140,034), 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

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
96.8%+48% vs US avg
x
Vacancy Rate
10.0%-3% vs US avg
x
Broadband Access
99.4%+14% vs US avg
x
4+ Bedrooms
7.0%-53% vs US avg
x
Built Pre-1939
9.6%-25% vs US avg
x
Built Post-2014
0.7%-91% vs US avg
x
Rent Burden >30%
22.9%-54% vs US avg
x
Mortgage-Free
27.9%-27% vs US avg
x
$449,900
Home Value
$988
Rent
1961
Year Built
2003
Moved In

Residents have lived here since ~2003 on average

Housing Structure

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

  • 1-unit detached99.1%
  • 1-unit attached0.0%
  • 2-9 units0.9%
  • 10+ units0.0%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$449,900
Median rent$988
Owner-occupied96.8%
Vacant10.0%
Price-to-income3.2x
Est. income to buy$124,000