How much do homeowners pay a month in Spring Lake Borough, NJ?

Name: Homeowner costs in Spring Lake 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 Spring Lake Borough, NJ pay a median of $4,000 or more a month in selected owner costs (2020–2024 American Community Survey).

Owners without a mortgage pay $1,500 or more.

43.4% of owned homes carry a mortgage.

Figures last updated on November 12, 2026.

With a mortgage: $4,000 or more
Without a mortgage: $1,500 or more
Owned with a mortgage: 43.4%

Monthly owner costs in Spring Lake Borough

Median selected monthly owner costs, estimate (90% margin of error)
	Spring Lake Borough	Monmouth County	New Jersey	United States
With a mortgage	$4,000 or more	$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	43.4% (±9.3 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.

Median monthly cost with a mortgage in places near Spring Lake Borough

Nearest places with a published estimate, compared with Spring Lake Borough
Place	Distance	Median monthly cost with a mortgage	Compared with this place
Spring Lake Borough	—	$4,000 or more	—
Spring Lake Heights Borough	1.1 mi	$2,971 (±$268)	—
Lake Como Borough	1.1 mi	$3,065 (±$256)	—
West Belmar	1.3 mi	$2,653 (±$535)	—
Sea Girt Borough	1.6 mi	$4,000 or more	—
Belmar Borough	1.8 mi	$3,096 (±$322)	—
Avon-by-the-Sea Borough	2.7 mi	$3,836 (±$582)	—
Shark River Hills	2.9 mi	$2,670 (±$194)	—
Manasquan Borough	2.9 mi	$3,754 (±$167)	—

None of the nearby places differs measurably from this one on this figure.

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 (tie)	Deal Borough	$4,000 or more
1 (tie)	Fair Haven Borough	$4,000 or more
1 (tie)	Little Silver Borough	$4,000 or more
1 (tie)	Millstone Township	$4,000 or more
1 (tie)	Rumson Borough	$4,000 or more
1 (tie)	Sea Girt Borough	$4,000 or more
1 (tie)	Spring Lake Borough	$4,000 or more
1 (tie)	Upper Freehold Township	$4,000 or more
10	Brielle Borough	$3,885 (±$403)
11	Monmouth Beach Borough	$3,850 (±$476)
12	Avon-by-the-Sea Borough	$3,836 (±$582)
13	Shrewsbury Borough	$3,782 (±$312)
14	Marlboro Township	$3,765 (±$187)

Showing 13 of 53 places in Monmouth 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 Spring Lake Borough

What is the average mortgage payment in Spring Lake Borough?

The Census Bureau publishes total owner costs rather than the mortgage alone: the median for owners with a mortgage in Spring Lake Borough, NJ is $4,000 or more a month, including taxes, insurance and utilities.

How much does it cost to own a paid-off home in Spring Lake Borough?

Owners without a mortgage in Spring Lake Borough pay a median of $1,500 or more a month in taxes, insurance, utilities and fees.

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 Spring Lake borough, Monmouth County, New Jersey (county subdivision:70110, in state:34 county:025).

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.