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City · 5,029 residents · Essex County, New Jersey

Ampere North , New Jersey

In Ampere North, a typical home is worth $365,600 and typical rent is $1,744 a month. Compared with all of Essex County, the typical home value is 30% lower, typical household income is 17% lower, and the share of households that own their home is 6 points higher.

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  • Typical home value

    $365,600

    30% below the county

    20% below New Jersey

    • Ampere North
    • Essex
    • New Jersey

  • Typical rent

    $1,744a month

    14% above the county

    About the same as New Jersey

    • Ampere North
    • Essex
    • New Jersey

  • Typical household income

    $66,714a year

    17% below the county

    36% below New Jersey

    • Ampere North
    • Essex
    • New Jersey

  • Households that own their home

    51%

    6 points above the county

    13 points below New Jersey

    • Ampere North
    • Essex
    • New Jersey

Source: U.S. Census Bureau, Average 2020–2024

Ampere North is in Essex County. The FHA loan limit ($1,249,125 for a one-unit home), the fair market rents and the help on this page are those of all of Essex County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Ampere North apart

What this place has that others do not, from public data, most unusual first.

  1. The typical home in Ampere North is worth $365,600, 30% less than in Essex County as a whole ($524,100).

  2. Ampere North has the 15th largest share of rent-burdened renters of the 249 cities in New Jersey with more than 5,000 people (68%).

  3. Nearby, in East Orange, the typical rent is $1,441: 17% less than in Ampere North ($1,744).

  4. The typical household income in Ampere North is $66,714, 17% less than in Essex County as a whole ($80,789).

  5. 51% of households in Ampere North own their home, against 45% in Essex County.

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Ampere North

What homes there are in Ampere North, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

No kind of home is the majority in Ampere North; the largest group, buildings of 2 to 4 homes, adds up to 63%, against 28% in Essex County.

Year built

Old homes abound here: at least half date from before 1940, and 91% were built before 1960.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes
Monthly rent with utilities

With a mortgage

$2,451 a month

Essex County: $3,322 a month

Owners with a mortgage

77%

Essex County: 68%

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

Ampere North does not have the same boundaries as in 2015–2019: that is why there is no change to compare. For reference, in Essex County the typical home value rose 36%.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureAmpere NorthEssex CountyNew JerseyUnited States
Rental vacancy Unreliable estimate2.7%3.5%5.5%
Homeowner vacancy Unreliable estimate0.7%0.7%0.9%
More than one person per room Unreliable estimate6.1%4.0%3.4%
People per household 2.762.632.622.53
Drive alone 57%53%62%69%
Carpool Unreliable estimate8%8%9%
Public transit 16%16%8%3%
Walk or bike Unreliable estimate3%3%3%
Work from home Unreliable estimate16%17%15%
Other means Unreliable estimate4%2%2%
Typical commute Unreliable estimate30 to 39 minutes20 to 29 minutes20 to 29 minutes

By size, households in Ampere North look like those in Essex County: 2.76 people on average.

To get to work, 57% of workers in Ampere North drive alone; in Essex County, 53%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Ampere North?

A typical home costs more than the typical income allows

We start with a typical home in Ampere North, worth $365,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 64% of the typical household income in Ampere North, which is $66,714 a year. For that payment to be 28% of income, a household would need to earn about $153,457 a year.

The calculator's FHA and conventional loan limits are those of all of Essex County.

Your numbers

Local data
$

Starts at the typical home value in Ampere North. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $12,796 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$3,581

at 7.18% · 30 years

Loan amount
$358,978
Total interest
$516,485
Paid off in
November 2056

Includes $6,174 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,557 a month

  • Tight

    $1,557 to $2,001 a month

  • Hard

    more than $2,001 a month

    Your payment · 64%

Compared with the typical household income in Ampere North ($66,714 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,581
Principal & interest$2,432
Property tax$835
Home insurance$152
FHA mortgage insurance (MIP)$162

You need at least $12,796 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Ampere North and Essex County

Ampere North is in Essex County, New Jersey. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Ampere North's own numbers

Typical home value
$365,600
Typical monthly rent
$1,744
Typical yearly household income
$66,714
Households that own their home
51%
Effective property tax rate
2.74%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Essex County

FHA limit, one-unit home
$1,249,125
Conventional limit, one unit
$1,209,750
HUD fair market rent, 2 bedrooms
$2,233
Price change over 5 years (FHFA)
+58%
Homes in a high flood-risk zone
2.5%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Essex County.

Everything about Essex County

Buying

Buying a home in Ampere North

A typical home in Ampere North is worth $365,600: 30% below the county and 20% below New Jersey. With the typical household income in Ampere North ($66,714 a year), a typical home costs 5.5 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Ampere North 5.5 years
  • Essex 6.5 years
  • New Jersey 4.4 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Essex County

According to FHFA’s house price index, home prices in Essex County rose 87% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Essex County.

Period County New Jersey U.S.
Last year (2025) +5.8% +6.2% +2.9%
5 years (2020–2025) +58% +63% +47%
10 years (2015–2025) +87% +88% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Ampere North next to Essex County, New Jersey and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Ampere North $365,600
  • Essex $524,100
  • New Jersey $454,400
  • United States $332,700
Typical monthly rent
  • Ampere North $1,744
  • Essex $1,531
  • New Jersey $1,720
  • United States $1,413
Typical yearly household income
  • Ampere North $66,714
  • Essex $80,789
  • New Jersey $103,556
  • United States $80,734
See the full table
Ampere North next to Essex County and New Jersey
Measure Ampere North Essex County New Jersey U.S.
Typical home value $365,600 $524,100 $454,400 $332,700
Typical monthly rent $1,744 $1,531 $1,720 $1,413
Typical yearly household income $66,714 $80,789 $103,556 $80,734
Households that own their home 51% 45% 64% 65%
Typical yearly property tax $10,001 $10,001 $9,590 $3,119
Effective property tax rate 2.74% 1.91% 2.11% 0.94%
Renters with high rent for their income 68% 55% 52% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Essex County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Ampere North

For a typical $365,600 home in Ampere North, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Ampere North's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,581a month

    Least cash to close
    Down payment
    $12,796
    Cash to close
    $23,764
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $162

  • Conventional, 5% down $3,514a month

    Down payment
    $18,280
    Cash to close
    $29,248
    Rate
    7.18%
    Mortgage insurance
    PMI · $174

  • Conventional, 20% down, no PMI $2,968a month

    Down payment
    $73,120
    Cash to close
    $84,088
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,306a month

    Down payment
    $54,840
    Cash to close
    $65,808
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Ampere North and for Essex County.

Property tax

Effective rate in Ampere North

2.74%of the home’s value each year

$10,001 a year for the typical owner in Ampere North.

  • Ampere North 2.74%
  • Essex 1.91%
  • New Jersey 2.11%

What New Jersey publishes ANCHOR, Senior Freeze and Stay NJ: one combined application (New Jersey Division of Taxation)

Exemptions and deadlines in New Jersey

Flood risk in Essex County

FEMA does not publish these numbers by city: they are for all of Essex County.

Homes in the high-risk zone
2.5%
3,710
Of those, with NFIP insurance
50%
County New Jersey U.S.
Homes in the high-risk zone 2.5% 6.7% 3.5%
Of those, with NFIP insurance 50% 63% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Ampere North

Typical rent in Ampere North is $1,744 a month: 14% above the county. In Ampere North, 68% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Essex County, by unit size. To pay the 2-bedroom one ($2,233 a month) without spending more than 30% of your income, you would need to earn $42.94 an hour working full time.

HUD fair market rent for all of Essex County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $1,637 $31.48 $65,480
1 bedroom $1,850 $35.58 $74,000
2 bedrooms $2,233 $42.94 $89,320
3 bedrooms $2,785 $53.56 $111,400
4 bedrooms $3,188 $61.31 $127,520

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Ampere North

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Ampere North is in ZIP code 07003.

For 2 bedrooms it is $2,600: $367 more than the fair market rent for Essex County ($2,233).

  • 07003 $2,600$3,240

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Ampere North when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Free help

Help to buy or rent in Ampere North

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

There are 7 HUD-approved agencies with an office in Essex County; 5 say they serve in Spanish.

A young man and a young woman look something up together on a laptop.

HUD counseling is free or low-cost

Assistance programs in Ampere North

No down payment, repair or rent-help program on our list is for Ampere North or Essex County. The ones below are statewide in New Jersey: they work in Ampere North the same as in the rest of the state.

Which programs do I qualify for? All programs in New Jersey

Housing counselors near Ampere North

The HUD-approved agencies closest to the center of Ampere North, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Catholic Charities of the Archdiocese of Newark

    590 N 7th St, Newark · 1 miles away · Spanish

    • Budget and credit workshops
    • Fair housing pre-purchase workshops
    • and 3 more
    (973) 596-4100

  • Urban League of Essex County

    508 Central Ave, Newark · 2 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 7 more
    (973) 624-9535

  • New Jersey Citizen Action

    625 Broad St, Newark · 3 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (973) 643-8800

Every agency in Essex County All counseling agencies in New Jersey

Help in Spanish near Ampere North

2 of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Ampere North

In HUD’s record, no housing authority with an office in Essex County is named for Ampere North or Essex County.

7 other authorities have an office in Essex County: see the list Source: HUD

Cities

Other cities in Essex County

These cities are also in Essex County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Essex County Housing in New Jersey

Nearby cities

The cities closest to Ampere North, with the typical home value.

Neighboring counties

If Essex County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Ampere North.

All guides
Three women of one family lean in together to stir the pan.

Questions

Housing questions about Ampere North

Short answers with the numbers for Ampere North and all of Essex County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Ampere North?

The typical home value in Ampere North is $365,600, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Essex County it is $524,100.

How much does it cost to rent in Ampere North?

Typical rent in Ampere North is $1,744 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Essex County is $2,233.

What is the FHA loan limit in Ampere North?

Ampere North uses the FHA limit for all of Essex County (2026): $1,249,125 for a one-unit home and $2,402,625 for a four-unit home.

How much property tax do owners pay in Ampere North?

The typical homeowner in Ampere North pays $10,001 a year, according to the U.S. Census Bureau. That is 2.74% of the home’s value; in Essex County, the rate is 1.91%.

Where can I find free help to buy or rent in Ampere North?

There are 7 HUD-approved counseling agencies with an office in Essex County. 5 say they serve in Spanish. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).