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Sayreville borough, NJ

ZIP 08859 — 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 08859

Median Home Value
$407,100
Median Rent
$1,513
Affordability Snapshot
$112,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,615/mo PITI).

19%
Rent-to-Income Ratio

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

4.2x
Home Price-to-Income Ratio

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

22.4 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 08859 in Sayreville borough, NJ, a household would need roughly $112,000 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 $2,615. That is about 16% above the local median household income ($96,593), 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

Diverse housing tenure.

Heating Fuel
Housing Metrics
Owner Occupied
59.0%-10% vs US avg
x
Vacancy Rate
2.3%-77% vs US avg
x
Broadband Access
95.4%+10% vs US avg
x
4+ Bedrooms
4.1%-72% vs US avg
x
Built Pre-1939
1.4%-89% vs US avg
x
Built Post-2014
0.4%-94% vs US avg
x
Rent Burden >30%
14.2%-72% vs US avg
x
Mortgage-Free
38.1%-0% vs US avg
x
$407,100
Home Value
$1,513
Rent
1970
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 detached44.9%
  • 1-unit attached13.1%
  • 2-9 units21.4%
  • 10+ units20.5%
  • Mobile home & other0.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$407,100
Median rent$1,513
Owner-occupied59.0%
Vacant2.3%
Price-to-income4.2x
Est. income to buy$112,000