What income do you need to buy a house in Ocean City, NJ?
It takes about $352,000/yr to afford the typical Ocean City, NJ home ($1.13M, +9.2% past year) at today's rates. Starter homes run around $748K. See if you can afford a house in Ocean City (2026 data) — free, no signup.
Market snapshot (2026-07)
- Income needed to buy the typical home: about $352,000/yr (28% front-end ratio, 20% down, 6.76% 30-yr fixed, NJ property tax and insurance)
- Typical home value: $1.13M (Zillow ZHVI, 2026-07)
- 1-year change: +9.2%
- Bottom 35% of homes: $748K
- Top 35% of homes start around: $1.83M
- Typical rent: $1,890/mo
- Median household income: $102K
- Price-to-income ratio: 11.1
- Estimated payment on the typical home: $5,883/mo principal & interest (20% down, 6.76% 30-yr fixed)
Nearby housing markets
The most affordable cities to buy a house in New Jersey
Home values are Zillow Group public data (ZHVI, updated monthly); income and population are US Census Bureau ACS 5-year estimates. Estimates only — not financial advice.
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