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Middlesex borough, NJ

ZIP 08846 — 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 08846

Median Home Value
$414,600
Median Rent
$1,319
Affordability Snapshot
$114,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,663/mo PITI).

15%
Rent-to-Income Ratio

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

3.9x
Home Price-to-Income Ratio

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

26.2 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 08846 in Middlesex borough, NJ, a household would need roughly $114,000 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 $2,663. That is roughly in line with the local median household income ($107,063). 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
72.6%+11% vs US avg
x
Vacancy Rate
2.4%-77% vs US avg
x
Broadband Access
92.4%+6% vs US avg
x
4+ Bedrooms
2.9%-80% vs US avg
x
Built Pre-1939
2.5%-80% vs US avg
x
Built Post-2014
1.4%-80% vs US avg
x
Rent Burden >30%
18.2%-63% vs US avg
x
Mortgage-Free
26.2%-31% vs US avg
x
$414,600
Home Value
$1,319
Rent
1964
Year Built
2010
Moved In

Residents have lived here since ~2010 on average

Housing Structure

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

  • 1-unit detached68.5%
  • 1-unit attached7.0%
  • 2-9 units11.5%
  • 10+ units13.0%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$414,600
Median rent$1,319
Owner-occupied72.6%
Vacant2.4%
Price-to-income3.9x
Est. income to buy$114,000