How much do homeowners pay a month in Ship Bottom Borough, NJ?

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

Homeowners with a mortgage in Ship Bottom Borough, NJ pay a median of $2,946 (±$358) a month in selected owner costs (2020–2024 American Community Survey).

Owners without a mortgage pay $1,275 (±$110).

44.2% of owned homes carry a mortgage.

In Ship Bottom Borough, the median monthly cost with a mortgage went from $2,990 in 2015–2019 to $2,946 in 2020–2024 (−1.5%).

Prices (CPI-U) rose 22.7% over the same years, so it fell after inflation as well.

Figures last updated on November 12, 2026.

With a mortgage: $2,946 (±$358)
Without a mortgage: $1,275 (±$110)
Owned with a mortgage: 44.2%

Monthly owner costs in Ship Bottom Borough

Median selected monthly owner costs, estimate (90% margin of error)
	Ship Bottom Borough	Ocean County	New Jersey	United States
With a mortgage	$2,946 (±$358)	$2,330 (±$24)	$2,829 (±$8)	$1,963
Without a mortgage	$1,275 (±$110)	$920 (±$17)	$1,232 (±$6)	$638
Owned homes with a mortgage	44.2% (±6.8 points)	58.7% (±0.9 points)	63.9% (±0.2 points)	60.6%
Median real estate taxes (a year)	$8,336 (±$487)	$6,562 (±$55)	$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 Ship Bottom Borough, the median cost with a mortgage is higher than in Ocean County ($2,330).

It is not measurably different from New Jersey ($2,829).

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

In Ocean County, Ship Bottom Borough ranks 9 of 33 places with a published estimate, from highest to lowest median monthly cost with a mortgage.

Statewide, it ranks 234 of 560.

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

How owner costs in Ship Bottom Borough 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	$2,990 (±$192)	$2,946 (±$358)	−1.5%	Down after inflation
Median real estate taxes	$6,158 (±$268)	$8,336 (±$487)	+35.4%	Up after inflation
Median home value	$659,300 (±$24,989)	$975,800 (±$54,010)	+48.0%	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 Ship Bottom Borough

Nearest places with a published estimate, compared with Ship Bottom Borough
Place	Distance	Median monthly cost with a mortgage	Compared with this place
Ship Bottom Borough	—	$2,946 (±$358)	—
Surf City Borough	1.4 mi	$3,332 (±$256)	Not measurably different
Beach Haven West	3.3 mi	$2,927 (±$226)	Not measurably different
North Beach Haven	3.5 mi	$3,189 (±$637)	Not measurably different
Long Beach Township	3.8 mi	$3,614 (±$416)	Higher
Harvey Cedars Borough	4.3 mi	$3,448 (±$263)	Higher
Manahawkin	4.4 mi	$2,259 (±$255)	Lower
Eagleswood Township	5.4 mi	$2,328 (±$320)	Lower
Stafford Township	6.0 mi	$2,400 (±$76)	Lower

Nearby places with a measurably lower figure: Manahawkin, NJ ($2,259), Eagleswood Township, NJ ($2,328), Stafford Township, NJ ($2,400).

Nearby places with a measurably higher figure: Long Beach Township, NJ ($3,614), Harvey Cedars Borough, NJ ($3,448).

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

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

Rank	Place	Median monthly cost with a mortgage
1 (tie)	Mantoloking Borough	$4,000 or more
1 (tie)	Point Pleasant Beach Borough	$4,000 or more
5	Long Beach Township	$3,614 (±$416)
6	Seaside Park Borough	$3,556 (±$279)
7	Harvey Cedars Borough	$3,448 (±$263)
8	Surf City Borough	$3,332 (±$256)
9	Ship Bottom Borough	$2,946 (±$358)
10	Lavallette Borough	$2,935 (±$338)
11	Lakewood Township	$2,806 (±$118)
12	Point Pleasant Borough	$2,700 (±$102)
13	Plumsted Township	$2,609 (±$381)
14	Jackson Township	$2,597 (±$125)
15	Island Heights Borough	$2,475 (±$291)

Showing 13 of 33 places in Ocean County, ranked from highest to lowest.

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 Ship Bottom Borough

What is the average mortgage payment in Ship Bottom Borough?

The Census Bureau publishes total owner costs rather than the mortgage alone: the median for owners with a mortgage in Ship Bottom Borough, NJ is $2,946 (±$358) a month, including taxes, insurance and utilities.

How much does it cost to own a paid-off home in Ship Bottom Borough?

Owners without a mortgage in Ship Bottom Borough pay a median of $1,275 (±$110) a month in taxes, insurance, utilities and fees.

Has the cost of owning a home in Ship Bottom Borough gone up?

In Ship Bottom Borough, the median monthly cost with a mortgage went from $2,990 in 2015–2019 to $2,946 in 2020–2024 (−1.5%).

Prices (CPI-U) rose 22.7% over the same years, so it fell after inflation as well.

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 Ship Bottom borough, Ocean County, New Jersey (county subdivision:67110, in state:34 county:029).

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.