MonitorBankRates
☰
New Report Fall 2026 Housing Affordability Report: every state is less affordable than in late August as average 30-year mortgage rates passed 7%. Read the report

Oceanville, NJ Housing Affordability Index

Oceanville, New Jersey has an MBR Housing Affordability Index score of 182.7 (Highly Affordable) as of October 30, 2026, ranking 3rd most affordable of 455 scored New Jersey cities, compared with 83.4 statewide and 97.4 nationally. On a median-priced $253,100 home with 20% down, the New Jersey average 30-year fixed rate of 7.27% means a monthly principal and interest payment of about $1,383, or 10% of the city’s $168,190 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Oceanville is updated every night from live New Jersey mortgage rates and U.S. Census Bureau income, home value and housing cost data for the city. A score of 100 equals the national average; higher scores mean homeownership is more affordable.

Oceanville MBR-HAI 182.7 Highly Affordable
Rank in New Jersey 3 of 455 1 = most affordable
New Jersey 83.4 Statewide score
National 97.4 100 = baseline
Avg 30-yr rate 7.27% New Jersey lenders
Median home value $253,100 U.S. Census Bureau

Oceanville is 99.2 points above the New Jersey score. Scores as of October 30, 2026. See the New Jersey index

View Oceanville Mortgage Rates

What It Takes to Buy in Oceanville

$1,383/mo
Principal & Interest
Median home, 20% down, 7.27%
$59,300
Income Needed
To keep the payment at 28% of income
$168,190
Median Household Income
New Jersey: $103,556
1.5x
Price-to-Income Ratio
New Jersey: 4.4x
$2,307/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$6,855/yr
Median Property Tax
2.71% of median value
7.2%
Owner Cost Burden
Owners spending 30%+ of income on housing
49.7%
Renter Cost Burden
Renters spending 30%+ of income on rent

Source: U.S. Census Bureau American Community Survey 5-Year Estimates (2024) for Oceanville, New Jersey. The rate is the New Jersey average 30-year fixed rate from MonitorBankRates, since lenders publish rates by state.

How Oceanville Ranks in New Jersey

Powered byMonitorBankRates

Cite the Oceanville Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Oceanville, New Jersey score: 182.7 (Highly Affordable), ranked 3 of 455 New Jersey cities. monitorbankrates.com/housing-affordability-index/new-jersey/oceanville”