Español

Este sitio también está en español. Leer en español

City · 17,121 residents · Middlesex County, New Jersey

Avenel , New Jersey

In Avenel, a typical home is worth $401,000 and typical rent is $1,906 a month. Compared with all of Middlesex County, the typical home value is 13% lower, typical household income is 9% lower, and the share of households that own their home is 11 points lower.

WhatsApp

  • Typical home value

    $401,000

    13% below the county

    12% below New Jersey

    • Avenel
    • Middlesex
    • New Jersey

  • Typical rent

    $1,906a month

    About the same as the county

    11% above New Jersey

    • Avenel
    • Middlesex
    • New Jersey

  • Typical household income

    $101,670a year

    9% below the county

    About the same as New Jersey

    • Avenel
    • Middlesex
    • New Jersey

  • Households that own their home

    52%

    11 points below the county

    11 points below New Jersey

    • Avenel
    • Middlesex
    • New Jersey

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

Market now, with Zillow data

Zillow data
Typical home value
$513,378
0.7% more than 12 months ago
Typical rent
$2,277 a month

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Avenel is in Middlesex 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 Middlesex County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Avenel apart

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

  1. According to Zillow, in the 12 months to September 2026 the typical home value in Avenel rose 0.7%; in New Jersey, it rose 4%.

  2. 52% of households in Avenel own their home, against 64% in Middlesex County.

Sources: Zillow (September 2026 data); U.S. Census Bureau (Average 2020–2024). Zillow data

The homes here

Housing in Avenel

What homes there are in Avenel, 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 Avenel; the largest group, detached houses, adds up to 43%, less than in Middlesex County (52%).

There are more mobile homes here than in Middlesex County: 5% of homes, against 1%.

Year built

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

$2,578 a month

Middlesex County: $2,877 a month

Without a mortgage

$1,121 a month

Middlesex County: $1,242 a month

Owners with a mortgage

62%

Middlesex County: 63%

In Avenel, 62% of owners have a mortgage, and their typical cost is $2,578 a month, against $2,877 in Middlesex County. Without one it drops to $1,121.

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

Since 2015–2019, homes in Avenel gained value faster than in Middlesex County: 53% against 35%.

Much as in Middlesex County, the typical rent in Avenel rose 29% since 2015–2019.

To compare: typical income in Avenel rose 45%; the home, +53%; the rent, +29%.

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

MeasureAvenelMiddlesex CountyNew JerseyUnited States
Rental vacancy Unreliable estimate2.4%3.5%5.5%
Homeowner vacancy Unreliable estimate0.4%0.7%0.9%
More than one person per room 4.6%5.5%4.0%3.4%
People per household 2.492.752.622.53
Drive alone 73%61%62%69%
Carpool 7%8%8%9%
Public transit 7%6%8%3%
Walk or bike Unreliable estimate3%3%3%
Work from home 10%18%17%15%
Other means Unreliable estimate4%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

Much as in Middlesex County, 4.6% of households in Avenel have more than one person per room.

Households in Avenel are smaller: 2.49 people on average; in Middlesex County, 2.75.

In Avenel, 73% of workers drive alone to work; in Middlesex County, 61%.

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 Avenel?

A typical home costs more than the typical income allows

We start with a typical home in Avenel, worth $401,000, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 44% of the typical household income in Avenel, which is $101,670 a year. For that payment to be 28% of income, a household would need to earn about $161,155 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Avenel. 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 $14,035 (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

$3,760

at 7.18% · 30 years

Loan amount
$393,737
Total interest
$566,495
Paid off in
November 2056

Includes $6,772 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,372 a month

  • Tight

    $2,372 to $3,050 a month

  • Hard

    more than $3,050 a month

    Your payment · 44%

Compared with the typical household income in Avenel ($101,670 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,760
Principal & interest$2,667
Property tax$749
Home insurance$167
FHA mortgage insurance (MIP)$177

You need at least $14,035 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

Avenel and Middlesex County

Avenel is in Middlesex 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).

Avenel's own numbers

Typical home value
$401,000
Typical monthly rent
$1,906
Typical yearly household income
$101,670
Households that own their home
52%
Effective property tax rate
2.24%

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

Numbers for all of Middlesex County

FHA limit, one-unit home
$1,249,125
Conventional limit, one unit
$1,209,750
HUD fair market rent, 2 bedrooms
$2,623
Price change over 5 years (FHFA)
+62%
Homes in a high flood-risk zone
1.1%

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 Middlesex County.

Everything about Middlesex County

Buying

Buying a home in Avenel

A typical home in Avenel is worth $401,000: 13% below the county and 12% below New Jersey. With the typical household income in Avenel ($101,670 a year), a typical home costs 3.9 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.

  • Avenel 3.9 years
  • Middlesex 4.1 years
  • New Jersey 4.4 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Middlesex County

According to FHFA’s house price index, home prices in Middlesex County rose 89% in the 10 years through 2025.

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

Period County New Jersey U.S.
Last year (2025) +6.1% +6.2% +2.9%
5 years (2020–2025) +62% +63% +47%
10 years (2015–2025) +89% +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

Avenel next to Middlesex 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
  • Avenel $401,000
  • Middlesex $462,900
  • New Jersey $454,400
  • United States $332,700
Typical monthly rent
  • Avenel $1,906
  • Middlesex $1,871
  • New Jersey $1,720
  • United States $1,413
Typical yearly household income
  • Avenel $101,670
  • Middlesex $111,549
  • New Jersey $103,556
  • United States $80,734
See the full table
Avenel next to Middlesex County and New Jersey
Measure Avenel Middlesex County New Jersey U.S.
Typical home value $401,000 $462,900 $454,400 $332,700
Typical monthly rent $1,906 $1,871 $1,720 $1,413
Typical yearly household income $101,670 $111,549 $103,556 $80,734
Households that own their home 52% 64% 64% 65%
Typical yearly property tax $8,998 $9,712 $9,590 $3,119
Effective property tax rate 2.24% 2.1% 2.11% 0.94%
Renters with high rent for their income 41% 48% 52% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Middlesex 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 Avenel

For a typical $401,000 home in Avenel, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Avenel's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,760a month

    Least cash to close
    Down payment
    $14,035
    Cash to close
    $26,065
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $177

  • Conventional, 5% down $3,687a month

    Down payment
    $20,050
    Cash to close
    $32,080
    Rate
    7.18%
    Mortgage insurance
    PMI · $190

  • Conventional, 20% down, no PMI $3,089a month

    Down payment
    $80,200
    Cash to close
    $92,230
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,460a month

    Down payment
    $60,150
    Cash to close
    $72,180
    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 Avenel and for Middlesex County.

Property tax

Effective rate in Avenel

2.24%of the home’s value each year

$8,998 a year for the typical owner in Avenel.

  • Avenel 2.24%
  • Middlesex 2.1%
  • 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 Middlesex County

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

Homes in the high-risk zone
1.1%
2,391
Of those, with NFIP insurance
54%
County New Jersey U.S.
Homes in the high-risk zone 1.1% 6.7% 3.5%
Of those, with NFIP insurance 54% 63% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Avenel

Typical rent in Avenel is $1,906 a month: about the same as the county. In Avenel, 41% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Middlesex County, by unit size. To pay the 2-bedroom one ($2,623 a month) without spending more than 30% of your income, you would need to earn $50.44 an hour working full time.

HUD fair market rent for all of Middlesex 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 $1,953 $37.56 $78,120
1 bedroom $2,103 $40.44 $84,120
2 bedrooms $2,623 $50.44 $104,920
3 bedrooms $3,125 $60.10 $125,000
4 bedrooms $3,508 $67.46 $140,320

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 Avenel

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Avenel is in ZIP code 07001.

For 2 bedrooms it is $2,710: $87 more than the fair market rent for Middlesex County ($2,623).

  • 07001 $2,710$3,230

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Avenel 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?

Low-income apartments

Low-income apartments in Avenel

HUD lists 2 buildings with rents for lower incomes in Avenel. These are the largest.

  • Maple Tree Manor (AVENEL) 1255 Rahway Ave, Avenel 88 low-income homes · In service since 2003
  • Maple Tree Manor 1255 Rahway Ave, Avenel 07001 88 homes · In service since 2003

See all 123 buildings in Middlesex County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Avenel

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 3 HUD-approved agencies with an office in Middlesex County; 2 say they serve in Spanish.

An older woman smiles in front of her apartment building.

HUD counseling is free or low-cost

Assistance programs in Avenel

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

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

Housing counselors near Avenel

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

  • The Housing Authority of the City of Perth Amboy

    881 Amboy Avenue, Perth Amboy · 4 miles away · Spanish

    Also serves in other languages.

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    732-826-3110-631

  • NEIGHBORHOODS FOR A SUSTAINABLE FUTURE fka NHS of Staten Island

    1120 E Saint Georges Ave, Linden · 4 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 3 more
    (908) 808-4035

  • Puerto Rican Association for Human Development, Inc.

    100 1st St, Perth Amboy · 6 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 6 more
    (732) 638-2824

Every agency in Middlesex County All counseling agencies in New Jersey

Help in Spanish near Avenel

1 of the 3 agencies on this list says it serves 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 Avenel

In HUD’s record, no housing authority with an office in Middlesex County is named for Avenel or Middlesex County.

9 other authorities have an office in Middlesex County: see the list Source: HUD

Cities

Other cities in Middlesex County

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

Everything about Middlesex County Housing in New Jersey
See 15 more cities in Middlesex County, with prices and rents

Every city has its own page with prices, rents and help.

Nearby cities

The cities closest to Avenel, with the typical home value.

Neighboring counties

If Middlesex 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 Avenel.

All guides
A mother holds her laughing daughter on a grey sofa.

Questions

Housing questions about Avenel

Short answers with the numbers for Avenel and all of Middlesex 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 Avenel?

The typical home value in Avenel is $401,000, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Middlesex County it is $462,900.

How much does it cost to rent in Avenel?

Typical rent in Avenel is $1,906 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Middlesex County is $2,623.

What is the FHA loan limit in Avenel?

Avenel uses the FHA limit for all of Middlesex 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 Avenel?

The typical homeowner in Avenel pays $8,998 a year, according to the U.S. Census Bureau. That is 2.24% of the home’s value; in Middlesex County, the rate is 2.1%.

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

There are 3 HUD-approved counseling agencies with an office in Middlesex County. 2 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).