How much do homeowners pay a month in Cliffwood Beach, NJ?

Name: Homeowner costs in Cliffwood Beach, NJ, 2020–2024
Creator: US Census Bureau
License: https://www.census.gov/data/developers/about/terms-of-service.html

Homeowners with a mortgage in Cliffwood Beach, NJ pay a median of $2,559 (±$201) a month in selected owner costs (2020–2024 American Community Survey).

Owners without a mortgage pay $1,160 (±$106).

69.3% of owned homes carry a mortgage.

In Cliffwood Beach, the median monthly cost with a mortgage went from $2,162 in 2015–2019 to $2,559 in 2020–2024 (+18.4%).

Prices (CPI-U) rose 22.7% over the same years; the change is not measurably different from the rise in prices.

Figures last updated on November 12, 2026.

With a mortgage: $2,559 (±$201)
Without a mortgage: $1,160 (±$106)
Owned with a mortgage: 69.3%

Monthly owner costs in Cliffwood Beach

Median selected monthly owner costs, estimate (90% margin of error)
	Cliffwood Beach	Monmouth County	New Jersey	United States
With a mortgage	$2,559 (±$201)	$3,070 (±$36)	$2,829 (±$8)	$1,963
Without a mortgage	$1,160 (±$106)	$1,342 (±$19)	$1,232 (±$6)	$638
Owned homes with a mortgage	69.3% (±11.4 points)	64.0% (±0.9 points)	63.9% (±0.2 points)	60.6%
Median real estate taxes (a year)	$8,513 (±$639)	$10,000 or more	$9,590 (±$25)	$3,119

Selected monthly owner costs are the mortgage payment, property taxes, insurance, utilities, fuels and any condominium or mobile-home fees.

In Cliffwood Beach, the median cost with a mortgage is lower than in Monmouth County ($3,070).

It is also lower than in New Jersey ($2,829).

It is higher than the national figure ($1,963).

In Monmouth County, Cliffwood Beach ranks 18 of 20 places with a published estimate, from highest to lowest median monthly cost with a mortgage.

Statewide, it ranks 136 of 247.

Rankings use the estimates alone; where margins of error overlap, neighboring ranks may not truly differ.

How owner costs in Cliffwood Beach have changed since 2015–2019

2015–2019 and 2020–2024 American Community Survey 5-year estimates
	2015–2019	2020–2024	Amount of change	Verdict
Median owner cost with a mortgage	$2,162 (±$154)	$2,559 (±$201)	+18.4%	No measurable change after inflation
Median real estate taxes	$6,657 (±$248)	$8,513 (±$639)	+27.9%	No measurable change after inflation
Median home value	$253,500 (±$12,644)	$365,600 (±$29,440)	+44.2%	Up after inflation

The Census Bureau publishes 2015–2019 dollars in 2019 dollars and 2020–2024 dollars in 2024 dollars.

Prices (the CPI-U, US Bureau of Labor Statistics) rose 22.7% between 2019 and 2024, so a dollar figure’s verdict compares the two after raising the earlier one by that much, using the Census Bureau’s test for a difference.

The two periods do not overlap, as the Census Bureau recommends for 5-year estimates.

Median monthly cost with a mortgage in places near Cliffwood Beach

Nearest places with a published estimate, compared with Cliffwood Beach
Place	Distance	Median monthly cost with a mortgage	Compared with this place
Cliffwood Beach	—	$2,559 (±$201)	—
Keyport Borough	1.2 mi	$2,510 (±$198)	Not measurably different
Laurence Harbor	2.2 mi	$2,286 (±$164)	Lower
Matawan Borough	2.4 mi	$2,952 (±$310)	Higher
Union Beach Borough	2.5 mi	$2,363 (±$110)	Not measurably different
Strathmore	2.9 mi	$3,124 (±$172)	Higher
Hazlet Township	2.9 mi	$2,797 (±$79)	Higher
Keansburg Borough	3.3 mi	$2,085 (±$188)	Lower
Madison Park	4.1 mi	$2,398 (±$116)	Not measurably different

Nearby places with a measurably lower figure: Laurence Harbor, NJ ($2,286), Keansburg Borough, NJ ($2,085).

Nearby places with a measurably higher figure: Matawan Borough, NJ ($2,952), Strathmore, NJ ($3,124), Hazlet Township, NJ ($2,797).

Distance is measured in a straight line between the Census Bureau’s internal points for each place.

Median monthly cost with a mortgage across Monmouth County, place by place

Rank	Place	Median monthly cost with a mortgage
12	Wanamassa	$2,853 (±$324)
13	Port Monmouth	$2,749 (±$224)
14	Ramtown	$2,743 (±$355)
15	Belford	$2,711 (±$485)
16	Shark River Hills	$2,670 (±$194)
17	West Belmar	$2,653 (±$535)
18	Cliffwood Beach	$2,559 (±$201)
19	Leonardo	$2,454 (±$328)
20	North Middletown	$2,316 (±$126)

Showing 9 of 20 places in Monmouth County, ranked from highest to lowest.

Cliffwood Beach is a census-designated place: an unincorporated community the Census Bureau draws for statistics, with no municipal government of its own.

It lies inside Aberdeen Township, whose figures include it.

Survey years: 2020–2024 (American Community Survey 5-year estimates), compared with 2015–2019.

Margins of error are at the 90% confidence level.

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Questions about Cliffwood Beach

What is the average mortgage payment in Cliffwood Beach?

The Census Bureau publishes total owner costs rather than the mortgage alone: the median for owners with a mortgage in Cliffwood Beach, NJ is $2,559 (±$201) a month, including taxes, insurance and utilities.

How much does it cost to own a paid-off home in Cliffwood Beach?

Owners without a mortgage in Cliffwood Beach pay a median of $1,160 (±$106) a month in taxes, insurance, utilities and fees.

Has the cost of owning a home in Cliffwood Beach gone up?

In Cliffwood Beach, the median monthly cost with a mortgage went from $2,162 in 2015–2019 to $2,559 in 2020–2024 (+18.4%).

Prices (CPI-U) rose 22.7% over the same years; the change is not measurably different from the rise in prices.

Sources

To check these figures in the Census Bureau’s own API, request the variables below from the 2024 ACS 5-year data profile (acs/acs5/profile) and detailed tables (acs/acs5) for Cliffwood Beach CDP, New Jersey (place:13630, in state:34).

Each estimate (E or PE) has a margin of error beside it (M or PM).

The 2015–2019 figures are B25088_002E, B25088_002M, B25103_001E, B25103_001M, B25077_001E, B25077_001M from the 2019 release.

The API needs a free key.

Request a Census API key.

DP04_0101E, DP04_0101M, DP04_0109E, DP04_0109M, DP04_0091PE, DP04_0091PM, B25103_001E, B25103_001M

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

Figures are published by the US Census Bureau, HUD, the Bureau of Labor Statistics and the FBI; Seayora reproduces them and does not adjust them, except where a sentence says it compares dollar figures after inflation. They describe the whole place, not any one building or street, and are not an appraisal, a rent determination, a tax bill, a safety rating or legal advice.