Monmouth County, NJ Average Home Price (2026)
The average home price in Monmouth County, New Jersey is about $895,000 (the 2026 median across 48 ZIP codes, at ~$421/sq ft) — 56% more expensive than the New Jersey median and 210% more expensive than the typical U.S. home.
How Monmouth County compares
Monmouth County is relatively expensive for housing nationally: its typical home costs $895,000 against $573,000 for New Jersey and $289,000 for the U.S. Within the county, ZIP-level values run from about $425,000 to $4,522,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Monmouth County | $895,000 | $421 |
| New Jersey | $573,000 | $327 |
| United States | $289,000 | $193 |
Monmouth County home prices by ZIP code
The 15 most valuable ZIP codes in Monmouth County (of 48 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 07723 Deal | $4,522,000 | $1847 | +405% |
| 08750 Sea Girt | $2,606,000 | $1259 | +191% |
| 07711 Allenhurst | $2,510,000 | $1149 | +180% |
| 07760 Rumson | $1,921,000 | $790 | +115% |
| 07717 Avon by the Sea | $1,896,000 | $1069 | +112% |
| 07704 Fair Haven | $1,641,000 | $811 | +83% |
| 07762 Spring Lake | $1,503,000 | $1287 | +68% |
| 07722 Colts Neck Township | $1,359,000 | $418 | +52% |
| 08730 Brielle | $1,335,000 | $676 | +49% |
| 08736 Manasquan | $1,241,000 | $576 | +39% |
| 07739 Little Silver | $1,197,000 | $528 | +34% |
| 07750 Monmouth Beach | $1,168,000 | $642 | +31% |
| 07720 Bradley Beach | $1,131,000 | $738 | +26% |
| 07733 Holmdel Township | $1,117,000 | $412 | +25% |
| 07755 Oakhurst | $1,091,000 | $744 | +22% |
Home value appreciation in Monmouth County
Home prices in Monmouth County have risen about 94% over the last 10 years (≈6.9% a year) and +76.3% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +6.2% — still rising. A home worth $895,000 today was worth roughly $460,865 ten years ago.
See where that trend takes a specific home with the home appreciation calculator — statewide, New Jersey is +87.7% over the same 10 years. Past appreciation is a track record, not a forecast; local prices can fall.
Calculators for Monmouth County
Run the numbers for Monmouth County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Monmouth County
To buy the typical $895,000 home in Monmouth County with 20% down, you need a household income of roughly $243,000 a year (about $5,680 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $289,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $44,800 | $7,060/mo | $303,000/yr |
| 10% (+PMI) | $89,500 | $6,750/mo | $289,000/yr |
| 20% | $179,000 | $5,680/mo | $243,000/yr |
Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.
What your budget buys in Monmouth County
At about $421 per square foot, here is roughly how much home different budgets get you in Monmouth County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $500k | 1190 sq ft | below the local median — condos, smaller or older homes |
| $600k | 1430 sq ft | below the local median — condos, smaller or older homes |
| $750k | 1780 sq ft | around the typical home here |
| $1.00M | 2380 sq ft | around the typical home here |
| $1.50M | 3560 sq ft | above the median — larger homes or the pricier ZIPs |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens filtered to New Jersey.
Estimate a specific home in Monmouth County
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Monmouth County home prices: frequently asked
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Browse all New Jersey cities and counties, or look up price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research; FHFA house price index; Census ZIP-to-county relationships), not appraisals.