# ZIP 08732, NJ — housing report

1 metrics over the `5y` change window, ranked against 598 zip regions in NJ.

Between them the metrics reach from 2021-09-30 to 2026-09-30; each one covers its own window, given in the table.

## Metrics

| Metric | Start | Latest | Change | Annualised | Rank | Window |
| --- | ---: | ---: | ---: | ---: | ---: | --- |
| Home value index, houses and condos | $469,373 | $666,824 | +42.1% | 7.3%/yr | 117th of 546 | 2021-09-30 → 2026-09-30 |

Rank 1 is the better end of the cohort as the metric defines better, not always the largest rise.

## Current values

Every metric's most recent reading, ranked against peers by value rather than by change. Metrics published as a single snapshot — the MOD-IV assessment aggregates and HUD's CHAS tables — appear only here, because a change needs two observations.

| Metric | Value | Rank | As of | Source |
| --- | ---: | ---: | --- | --- |
| People per household | 2.20 ± 0.23 | 361st–568th of 594 (toward the bottom) | 2024-12-31 | census_acs |
| Commutes of an hour or more | 13.4% ± 5.1 points | — | 2024-12-31 | census_acs |
| Workers driving alone | 74.4% ± 9.6 points | — | 2024-12-31 | census_acs |
| Workers commuting by transit | 0.5% (0.0% to 1.2%) | 329th–594th of 594 (toward the bottom) | 2024-12-31 | census_acs |
| Workers walking to work | 2.5% ± 2.1 points | — | 2024-12-31 | census_acs |
| People with a disability | 9.1% ± 2.7 points | 145th–556th of 597 (can't be told apart from most) | 2024-12-31 | census_acs |
| Heated with electricity | 5.6% ± 3.6 points | — | 2024-12-31 | census_acs |
| Heated with utility gas | 92.1% ± 4.0 points | — | 2024-12-31 | census_acs |
| Heated with oil | 2.3% ± 1.5 points | — | 2024-12-31 | census_acs |
| Heated another way, or not at all | 0.0% (0.0% to 4.4%) | — | 2024-12-31 | census_acs |
| Heated with propane | 0.0% (0.0% to 2.0%) | — | 2024-12-31 | census_acs |
| Homeownership rate | 94.6% ± 3.9 points | 33rd–163rd of 595 (near the top) | 2024-12-31 | census_acs |
| Homeowner vacancy rate | 1.0% ± 1.0 points | 8th–591st of 591 (can't be told apart from most) | 2024-12-31 | census_acs |
| Homes, all housing units | 783 ± 95 | — | 2024-12-31 | census_acs |
| Students at private schools, grades 9 to 12 | 43.4% ± 27.0 points | 3rd–206th of 570 (toward the top) | 2024-12-31 | census_acs |
| Students at private schools | 26.9% ± 20.6 points | 5th–451st of 579 (can't be told apart from most) | 2024-12-31 | census_acs |
| Students at private schools, kindergarten to grade 8 | 14.9% (0.0% to 44.9%) | 5th–574th of 574 (can't be told apart from most) | 2024-12-31 | census_acs |
| Homes without a complete kitchen | 0.5% (0.0% to 1.1%) | 1st–502nd lowest of 595 (can't be told apart from most) | 2024-12-31 | census_acs |
| Homes without complete plumbing | 0.5% (0.0% to 1.1%) | 1st–569th lowest of 595 (can't be told apart from most) | 2024-12-31 | census_acs |
| Households of one person | 32.3% ± 11.0 points | 10th–422nd of 595 (can't be told apart from most) | 2024-12-31 | census_acs |
| Married-couple households | 52.7% ± 2.0 points | — | 2024-12-31 | census_acs |
| Commute, minutes each way | 28.3 min ± 9.1 min | 6th–557th lowest of 577 (can't be told apart from most) | 2024-12-31 | census_acs |
| Electricity a month, typical home billed for it | $130/mo (no margin available) | — | 2024-12-31 | census_acs |
| Gas a month, typical home billed for it | $106/mo (no margin available) | — | 2024-12-31 | census_acs |
| Median gross rent | $1,750/mo ± $533/mo | 52nd–507th of 541 (can't be told apart from most) | 2024-12-31 | census_acs |
| Median household income | $110,000 ± $16,580 | 161st–444th of 574 (can't be told apart from most) | 2024-12-31 | census_acs |
| Homeowners insurance a year, typical home with a mortgage | $1,410 (no margin available) | — | 2024-12-31 | census_acs |
| Median owner-occupied home value | $561,200 ± $51,047 | 139th–226th of 571 (toward the top) | 2024-12-31 | census_acs |
| Heating oil and other fuels a year, typical home billed for them | $750 (no margin available) | — | 2023-12-31 | census_acs |
| Median gross rent, one bedroom | $1,438/mo ± $136/mo | 122nd–350th of 460 (can't be told apart from most) | 2024-12-31 | census_acs |
| Median gross rent, two bedrooms | $1,594/mo ± $543/mo | 99th–486th of 494 (can't be told apart from most) | 2023-12-31 | census_acs |
| Median gross rent, three bedrooms | $2,429/mo ± $1,021/mo | 1st–460th of 476 (can't be told apart from most) | 2023-12-31 | census_acs |
| Median year built | 1954 ± 7 | 350th–554th of 567 (toward the bottom) | 2024-12-31 | census_acs |
| Households without a car | 0.6% (0.0% to 2.7%) | 336th–595th of 595 (toward the bottom) | 2024-12-31 | census_acs |
| Crowded homes | 0.0% (0.0% to 4.8%) | 1st–513th lowest of 595 (can't be told apart from most) | 2024-12-31 | census_acs |
| Owner costs a month, with a mortgage | $2,547/mo ± $396/mo | 201st–467th of 544 (toward the bottom) | 2024-12-31 | census_acs |
| Owner costs a month, without a mortgage | $1,229/mo ± $175/mo | 67th–383rd of 506 (can't be told apart from most) | 2024-12-31 | census_acs |
| Owners paying half their income or more | 12.2% ± 4.3 points | 44th–540th highest of 591 (can't be told apart from most) | 2024-12-31 | census_acs |
| Total population | 1,558 ± 207 | 510th–524th of 598 (near the bottom) | 2024-12-31 | census_acs |
| Rental vacancy rate | 7.3% (0.0% to 16.2%) | 8th–574th of 574 (can't be told apart from most) | 2024-12-31 | census_acs |
| Renters paying over 30% of income on housing | 33.3% (0.0% to 97.7%) | 1st–568th lowest of 569 (can't be told apart from most) | 2024-12-31 | census_acs |
| Renters paying half their income or more | 24.2% ± 19.7 points | 11th–558th highest of 569 (can't be told apart from most) | 2024-12-31 | census_acs |
| Renters paying utilities on top of rent | 100.0% (no margin available) | — | 2024-12-31 | census_acs |
| Rent paid to the landlord, lower quarter | $1,383/mo ± $358/mo | 35th–430th of 540 (can't be told apart from most) | 2024-12-31 | census_acs |
| Rent paid to the landlord, upper quarter | $1,875/mo ± $191/mo | 162nd–440th of 535 (can't be told apart from most) | 2024-12-31 | census_acs |
| Studios and one-bedroom homes | 2.0% ± 1.4 points | — | 2024-12-31 | census_acs |
| Homes in buildings of 20 or more | 2.6% (0.0% to 6.0%) | — | 2024-12-31 | census_acs |
| Homes in buildings of two to four | 1.0% ± 1.0 points | — | 2024-12-31 | census_acs |
| Two-bedroom homes | 19.0% ± 6.9 points | — | 2024-12-31 | census_acs |
| Three-bedroom homes | 49.9% ± 6.7 points | — | 2024-12-31 | census_acs |
| Four or more bedrooms | 29.0% ± 8.9 points | — | 2024-12-31 | census_acs |
| Homes in buildings of five to 19 | 0.5% (0.0% to 2.4%) | — | 2024-12-31 | census_acs |
| Townhouses and other attached homes | 0.0% (0.0% to 1.8%) | — | 2024-12-31 | census_acs |
| Built 1940 to 1979 | 28.4% ± 5.5 points | — | 2024-12-31 | census_acs |
| Built 1980 to 1999 | 19.3% ± 8.7 points | — | 2024-12-31 | census_acs |
| Built in 2000 or later | 11.0% ± 4.6 points | — | 2024-12-31 | census_acs |
| Built before 1940 | 41.4% ± 8.6 points | — | 2024-12-31 | census_acs |
| Single-family detached homes | 95.9% ± 2.4 points | 39th–116th of 595 (near the top) | 2024-12-31 | census_acs |
| Mobile homes | 0.0% (0.0% to 1.8%) | — | 2024-12-31 | census_acs |
| Vacancy rate | 9.6% ± 4.4 points | 44th–308th of 595 (toward the top) | 2024-12-31 | census_acs |
| Empty for other reasons | 32.0% ± 20.1 points | — | 2024-12-31 | census_acs |
| Empty homes kept for seasonal use | 54.7% ± 37.0 points | — | 2024-12-31 | census_acs |
| Households with children | 19.1% ± 5.0 points | 404th–571st of 595 (near the bottom) | 2024-12-31 | census_acs |
| Workers working from home | 14.7% ± 4.2 points | 174th–473rd of 594 (can't be told apart from most) | 2024-12-31 | census_acs |
| Flood insurance claims paid | 36 | — | 2012-12-31 | fema_nfip_claims |
| Flood insurance paid | $2,185,800 | — | 2012-12-31 | fema_nfip_claims |
| Homes in FEMA's 1% flood zone (count) | 111 | — | 2026-12-31 | fema_nfhl |
| Homes in FEMA's 1% flood zone | 14.5% | 95th highest of 533 | 2026-12-31 | fema_nfhl |
| Homes in FEMA's 0.2% flood zone | 3.0% | 152nd highest of 533 | 2026-12-31 | fema_nfhl |
| Homes FEMA's flood map determines | 100.0% | — | 2026-12-31 | fema_nfhl |
| Home-purchase applications denied | 8.3% | — | 2021-12-31 | ffiec_hmda |
| Small Area Fair Market Rent, studio | $1,540/mo | — | 2027-09-30 | hud_fmr |
| Small Area Fair Market Rent, one-bedroom | $1,710/mo | — | 2027-09-30 | hud_fmr |
| Small Area Fair Market Rent, two-bedroom | $2,110/mo | — | 2027-09-30 | hud_fmr |
| Small Area Fair Market Rent, three-bedroom | $2,710/mo | — | 2027-09-30 | hud_fmr |
| Small Area Fair Market Rent, four-bedroom | $3,000/mo | — | 2027-09-30 | hud_fmr |
| Jobs held by residents | 621 | — | 2023-12-31 | census_lodes |
| Residents' jobs in their home county | 46.1% | — | 2023-12-31 | census_lodes |
| Residents' jobs in New York City | 2.4% | — | 2023-12-31 | census_lodes |
| Residents' jobs elsewhere in New Jersey | 49.3% | — | 2023-12-31 | census_lodes |
| Residents' jobs in other states | 0.8% | — | 2023-12-31 | census_lodes |
| Residents' jobs in Pennsylvania | 1.4% | — | 2023-12-31 | census_lodes |
| Home heating-oil tank cleanups | 0 | — | 2026-12-31 | njdep_kcsl |
| Contaminated sites, cleanup open | 1 | — | 2026-12-31 | njdep_kcsl |
| Contaminated sites, cleaned up with controls | 0 | — | 2026-12-31 | njdep_kcsl |
| Homes in the climate-adjusted tidal flood area | 40.9% | 73rd highest of 403 | 2026-12-31 | njdep_cafe |
| Home value to household income | 5.52× ± 0.83× | 69th–285th highest of 546 (toward the high end) | 2024-12-31 | hip_derived |
| Homes near any transit stop | 0.0% | — | 2026-12-31 | bts_ntm |
| Homes within a quarter mile of a bus stop | 0.0% | — | 2026-12-31 | bts_ntm |
| Homes within half a mile of a rail stop | 0.0% | — | 2026-12-31 | bts_ntm |
| Homes on public water | 97.6% | — | 2026-12-31 | njdep_water_areas |
| Homes on a system with a recent health-based violation | 0.0% | — | 2026-12-31 | epa_sdwis |
| Home value index, houses and condos | $666,824 | 191st of 546 | 2026-09-30 | zillow_zhvi |

## Margins of error

± is a survey figure's 90% margin of error, as the publisher reports it or as its inputs imply: a change's margin is in the change's own terms, and a share's in percentage points. A rank given as a range is where those margins let this region fall — the survey cannot place it more precisely. "no margin available" means the publisher reports none for that figure, which is still an estimate; "no sampling error" means the figure is fixed to another estimate rather than drawn from the sample. A survey figure's annualised change is not shown, because no margin is computed for it.

## Caveats

- ACS 5-year vintages overlap by four years, so consecutive estimates are not independent measurements and short windows understate the real separation.
- Affordability ratios are computed by this platform from two published series, not published by either source. The monthly value or rent series is averaged over the survey year to match the annual income denominator.
- Small Area Fair Market Rents are HUD's rent standard set ZIP code by ZIP code, where HUD prices a metro area that way, and are what vouchers pay against there. They are a benchmark set near the 40th percentile of recent movers' rents, not what this ZIP's renters pay.
- Census survey figures for a ZIP code are measured for its ZCTA, the area the Census builds from census blocks to approximate the ZIP's delivery routes; the two can differ. ZCTA figures begin with the 2016-2020 survey, the first drawn on 2020's ZCTAs, so none shows a five-year change yet.
- ZIP-level values are allocated from Census ZCTAs rather than measured. A ZIP straddling several municipalities is an estimate, not an observation. Allocation weights for this ZIP: hud_res_ratio.
- Some metrics rank this region against fewer peers than the level contains, because not every region carries every metric. Compare ranks only within the cohort size each one reports.

## Sources

| Source | Publisher | Vintage | Retrieved | Releases | Licence |
| --- | --- | --- | --- | ---: | --- |
| National Transit Map — stops | Bureau of Transportation Statistics | current | 2026-10-06 | 1 | Public domain (U.S. Government work) |
| American Community Survey, 5-year estimates | U.S. Census Bureau | 2023 | 2026-10-01 | 2 | Public domain (U.S. Government work) |
| American Community Survey, 5-year estimates | U.S. Census Bureau | 2024 | 2026-10-01 | 11 | Public domain (U.S. Government work) |
| LEHD Origin-Destination Employment Statistics (LODES 8) | U.S. Census Bureau | 2023 | 2026-10-06 | 1 | Public domain (U.S. Government work) |
| Safe Drinking Water Information System — violations | U.S. Environmental Protection Agency | current | 2026-10-03 | 1 | Public domain (U.S. Government work) |
| National Flood Hazard Layer — flood hazard zones | Federal Emergency Management Agency | current | 2026-10-03 | 1 | Public domain (U.S. Government work) |
| NFIP Redacted Claims (v3) | Federal Emergency Management Agency (OpenFEMA) | current | 2026-10-03 | 1 | OpenFEMA Terms and Conditions |
| Home Mortgage Disclosure Act data (HMDA) | Consumer Financial Protection Bureau (FFIEC) | 2021 | 2026-10-07 | 1 | Public domain (U.S. Government work) |
| Computed by the platform | Housing Intelligence Platform | b8440bf3c940acf7 | 2026-10-22 | 1 | Derived from cited sources |
| Fair Market Rents | U.S. Department of Housing and Urban Development | 2027 | 2026-10-01 | 1 | Public domain (U.S. Government work) |
| Tidal Climate Adjusted Flood Elevation (sea-level rise 4 ft) | New Jersey Department of Environmental Protection | current | 2026-10-03 | 1 | NJDEP Data Distribution Agreement |
| Known Contaminated Sites List | New Jersey Department of Environmental Protection | current | 2026-10-16 | 1 | NJDEP Data Distribution Agreement |
| Public Community Water Purveyor Service Areas | New Jersey Department of Environmental Protection | current | 2026-10-03 | 1 | NJDEP Data Distribution Agreement |
| Zillow Home Value Index | Zillow Research | current | 2026-10-19 | 1 | Free for non-commercial use with attribution |

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Generated from analysis packet `1.7` for region `3101` (GEOID `08732`). Every figure is read from the housing warehouse and produced by the sources above, subject to the caveats. Nothing in this report is model-generated.

## Terms and notices

Not for commercial use: Home value index, houses and condos, Home value to household income come from, or are calculated from, data licensed for non-commercial use with attribution.

Data Provided by Zillow Group.

Source: Consumer Financial Protection Bureau, Home Mortgage Disclosure Act data, https://ffiec.cfpb.gov/

This (map/publication/report) was developed using New Jersey Department of Environmental Protection Geographic Information System digital data, but this secondary product has not been verified by NJDEP and is not state-authorized or endorsed.

This product uses the Census Bureau Data API but is not endorsed or certified by the Census Bureau.

This product uses the Federal Emergency Management Agency's OpenFEMA API, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data.

This product uses the HUD User Data API but is not endorsed or certified by HUD User.

U.S. Census Bureau, LEHD Origin-Destination Employment Statistics, version 8, https://lehd.ces.census.gov/data/lodes