How much do homeowners pay a month in Lincroft, NJ?
Homeowners with a mortgage in Lincroft, NJ pay a median of $3,874 (±$440) a month in selected owner costs (2020–2024 American Community Survey).
Owners without a mortgage pay $1,500 or more.
68.8% of owned homes carry a mortgage.
In Lincroft, the median monthly cost with a mortgage went from $3,687 in 2015–2019 to $3,874 in 2020–2024 (+5.1%).
Prices (CPI-U) rose 22.7% over the same years, so it rose more slowly than prices: a measurable decrease after inflation.
Figures last updated on .
- With a mortgage
- $3,874 (±$440)
- Without a mortgage
- $1,500 or more
- Owned with a mortgage
- 68.8%
Monthly owner costs in Lincroft
| Lincroft | Monmouth County | New Jersey | United States | |
|---|---|---|---|---|
| With a mortgage | $3,874 (±$440) | $3,070 (±$36) | $2,829 (±$8) | $1,963 |
| Without a mortgage | $1,500 or more | $1,342 (±$19) | $1,232 (±$6) | $638 |
| Owned homes with a mortgage | 68.8% (±8.7 points) | 64.0% (±0.9 points) | 63.9% (±0.2 points) | 60.6% |
| Median real estate taxes (a year) | $10,000 or more | $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 Lincroft, the median cost with a mortgage is higher than in Monmouth County ($3,070).
It is also higher than in New Jersey ($2,829).
It is higher than the national figure ($1,963).
In Monmouth County, Lincroft ranks 2 of 20 places with a published estimate, from highest to lowest median monthly cost with a mortgage.
Statewide, it ranks 19 of 247.
Rankings use the estimates alone; where margins of error overlap, neighboring ranks may not truly differ.
How owner costs in Lincroft have changed since 2015–2019
| 2015–2019 | 2020–2024 | Amount of change | Verdict | |
|---|---|---|---|---|
| Median owner cost with a mortgage | $3,687 (±$202) | $3,874 (±$440) | +5.1% | Down after inflation |
| Median home value | $577,900 (±$28,683) | $807,300 (±$44,145) | +39.7% | 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 Lincroft
| Place | Distance | Median monthly cost with a mortgage | Compared with this place |
|---|---|---|---|
| Lincroft | — | $3,874 (±$440) | — |
| Fairview | 3.4 mi | $3,342 (±$308) | Not measurably different |
| Colts Neck Township | 3.4 mi | $4,000 or more | — |
| Holmdel Township | 3.5 mi | $3,745 (±$297) | Not measurably different |
| Shrewsbury Township | 3.6 mi | $1,449 (±$109) | Lower |
| Red Bank Borough | 3.6 mi | $2,809 (±$139) | Lower |
| Shrewsbury Borough | 4.0 mi | $3,782 (±$312) | Not measurably different |
| Eatontown Borough | 5.1 mi | $2,800 (±$121) | Lower |
| Tinton Falls Borough | 5.1 mi | $2,535 (±$160) | Lower |
Nearby places with a measurably lower figure: Shrewsbury Township, NJ ($1,449), Red Bank Borough, NJ ($2,809), Eatontown Borough, NJ ($2,800).
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 |
|---|---|---|
| 1 | Morganville | $3,993 (±$394) |
| 2 | Lincroft | $3,874 (±$440) |
| 3 | Robertsville | $3,487 (±$357) |
| 4 | Fairview | $3,342 (±$308) |
| 5 | Navesink | $3,292 (±$673) |
| 6 | East Freehold | $3,249 (±$306) |
| 7 | Yorketown | $3,197 (±$149) |
| 8 | Ocean Grove | $3,133 (±$361) |
Showing 8 of 20 places in Monmouth County, ranked from highest to lowest.
Lincroft is a census-designated place: an unincorporated community the Census Bureau draws for statistics, with no municipal government of its own.
It lies inside Middletown 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 Lincroft
What is the average mortgage payment in Lincroft?
The Census Bureau publishes total owner costs rather than the mortgage alone: the median for owners with a mortgage in Lincroft, NJ is $3,874 (±$440) a month, including taxes, insurance and utilities.
How much does it cost to own a paid-off home in Lincroft?
Owners without a mortgage in Lincroft pay a median of $1,500 or more a month in taxes, insurance, utilities and fees.
Has the cost of owning a home in Lincroft gone up?
In Lincroft, the median monthly cost with a mortgage went from $3,687 in 2015–2019 to $3,874 in 2020–2024 (+5.1%).
Prices (CPI-U) rose 22.7% over the same years, so it rose more slowly than prices: a measurable decrease after inflation.
Sources
- Selected Housing Characteristics (DP04), 2020–2024 ACS 5-year estimates — Lincroft CDP, New Jersey
- Median Real Estate Taxes Paid by Mortgage Status (B25103), 2020–2024 ACS 5-year estimates — Lincroft CDP, New Jersey
- Median Selected Monthly Owner Costs (B25088), 2015–2019 ACS 5-year estimates — Lincroft CDP, New Jersey
- Median Real Estate Taxes Paid by Mortgage Status (B25103), 2015–2019 ACS 5-year estimates — Lincroft CDP, New Jersey
- Median Value (B25077), 2015–2019 ACS 5-year estimates — Lincroft CDP, New Jersey
- Consumer Price Index for All Urban Consumers (CPI-U), US city average, all items, US Bureau of Labor Statistics: annual averages 2019 and 2024
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 Lincroft CDP, New Jersey (place:40320, 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.
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.
Figures last updated on .
Related
- Housing in Lincroft at a glance
- Renters and owners in Lincroft
- Income and affordability in Lincroft
- Home values in Lincroft
- Property taxes in Lincroft
- Types of homes in Lincroft
- Age of homes in Lincroft
- Heating fuel in Lincroft
- Commute and cars in Lincroft
- Population growth in Lincroft
- How long people stay in Lincroft
- Fair Market Rent in Lincroft
- New Jersey landlord and tenant rules
- Housing across Monmouth County
- Housing data for every place in New Jersey