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City · 11,088 residents · Ocean County, New Jersey

Beachwood , New Jersey

In Beachwood, a typical home is worth $352,600 and typical rent is $2,335 a month. Compared with all of Ocean County, typical rent is 33% higher, typical household income is 19% higher, and the share of households that own their home is 12 points higher.

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  • Typical home value

    $352,600

    11% below the county

    22% below New Jersey

    • Beachwood
    • Ocean
    • New Jersey

  • Typical rent

    $2,335a month

    33% above the county

    36% above New Jersey

    • Beachwood
    • Ocean
    • New Jersey

  • Typical household income

    $106,858a year

    19% above the county

    3% above New Jersey

    • Beachwood
    • Ocean
    • New Jersey

  • Households that own their home

    93%

    12 points above the county

    29 points above New Jersey

    • Beachwood
    • Ocean
    • New Jersey

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

Market now, with Zillow data

Zillow data
Typical home value
$471,887
4.9% more than 12 months ago

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

Beachwood is in Ocean 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 Ocean County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Beachwood apart

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

  1. Nearby, in Leisure Village, the typical home value is $145,800: 59% less than in Beachwood ($352,600).

  2. Nearby, in Holiday City-Berkeley, the typical rent is $1,640: 30% less than in Beachwood ($2,335).

  3. The typical rent in Beachwood is $2,335 a month, 33% more than in Ocean County as a whole ($1,755).

  4. 93% of households in Beachwood own their home, against 81% in Ocean County.

  5. The typical household income in Beachwood is $106,858, 19% more than in Ocean County as a whole ($89,863).

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

The homes here

Housing in Beachwood

What homes there are in Beachwood, 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

In Beachwood, 10 in 10 homes are single-family detached houses; in Ocean County, 7.

Year built

The typical home in Beachwood was built in 1976, 5 years before the typical one in Ocean County.

Homes in Beachwood are bigger: 88% have 3 bedrooms or more; in Ocean County, 61%.

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

$2,157 a month

Ocean County: $2,330 a month

Without a mortgage

$824 a month

Ocean County: $920 a month

Owners with a mortgage

76%

Ocean County: 59%

Owning costs less in Beachwood: with a mortgage, the typical cost is $2,157 a month; in Ocean County, $2,330. Without one, $824.

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

From 2015–2019 to 2020–2024, the typical home value in Beachwood rose 52%; in Ocean County, it rose 43%.

Rents in Beachwood rose faster than in Ocean County: 42% since 2015–2019, against 23%.

Housing prices ran ahead of income in Beachwood: typical income rose 34%, against +52% for home values and +42% for rent.

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

MeasureBeachwoodOcean CountyNew JerseyUnited States
Rental vacancy Unreliable estimate3.1%3.5%5.5%
Homeowner vacancy Unreliable estimate0.9%0.7%0.9%
More than one person per room Unreliable estimate2.3%4.0%3.4%
People per household 2.762.652.622.53
Drive alone 83%75%62%69%
Carpool Unreliable estimate8%8%9%
Public transit Unreliable estimate1%8%3%
Walk or bike Unreliable estimate2%3%3%
Work from home 8%13%17%15%
Other means Unreliable estimate1%2%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

By size, households in Beachwood look like those in Ocean County: 2.76 people on average.

To get to work, 83% of workers in Beachwood drive alone; in Ocean County, 75%.

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 Beachwood?

A typical home is tight for the typical income

We start with a typical home in Beachwood, worth $352,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 35% of the typical household income in Beachwood, which is $106,858 a year. For that payment to be 28% of income, a household would need to earn about $134,652 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Beachwood. 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 $12,341 (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

$3,142

at 7.18% · 30 years

Loan amount
$346,214
Total interest
$498,120
Paid off in
November 2056

Includes $5,955 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,493 a month

  • Tight

    $2,493 to $3,206 a month

    Your payment · 35%

  • Hard

    more than $3,206 a month

Compared with the typical household income in Beachwood ($106,858 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,142
Principal & interest$2,345
Property tax$494
Home insurance$147
FHA mortgage insurance (MIP)$156

You need at least $12,341 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

Beachwood and Ocean County

Beachwood is in Ocean 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).

Beachwood's own numbers

Typical home value
$352,600
Typical monthly rent
$2,335
Typical yearly household income
$106,858
Households that own their home
93%
Effective property tax rate
1.68%

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

Numbers for all of Ocean County

FHA limit, one-unit home
$1,249,125
Conventional limit, one unit
$1,209,750
HUD fair market rent, 2 bedrooms
$2,283
Price change over 5 years (FHFA)
+73%
Homes in a high flood-risk zone
22%

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 Ocean County.

Everything about Ocean County

Buying

Buying a home in Beachwood

A typical home in Beachwood is worth $352,600: 11% below the county and 22% below New Jersey. With the typical household income in Beachwood ($106,858 a year), a typical home costs 3.3 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.

  • Beachwood 3.3 years
  • Ocean 4.4 years
  • New Jersey 4.4 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Ocean County

According to FHFA’s house price index, home prices in Ocean County rose 106% in the 10 years through 2025.

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

Period County New Jersey U.S.
Last year (2025) +6.0% +6.2% +2.9%
5 years (2020–2025) +73% +63% +47%
10 years (2015–2025) +106% +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

Beachwood next to Ocean 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
  • Beachwood $352,600
  • Ocean $398,400
  • New Jersey $454,400
  • United States $332,700
Typical monthly rent
  • Beachwood $2,335
  • Ocean $1,755
  • New Jersey $1,720
  • United States $1,413
Typical yearly household income
  • Beachwood $106,858
  • Ocean $89,863
  • New Jersey $103,556
  • United States $80,734
See the full table
Beachwood next to Ocean County and New Jersey
Measure Beachwood Ocean County New Jersey U.S.
Typical home value $352,600 $398,400 $454,400 $332,700
Typical monthly rent $2,335 $1,755 $1,720 $1,413
Typical yearly household income $106,858 $89,863 $103,556 $80,734
Households that own their home 93% 81% 64% 65%
Typical yearly property tax $5,927 $6,562 $9,590 $3,119
Effective property tax rate 1.68% 1.65% 2.11% 0.94%

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

For a typical $352,600 home in Beachwood, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Beachwood's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,142a month

    Least cash to close
    Down payment
    $12,341
    Cash to close
    $22,919
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $156

  • Conventional, 5% down $3,077a month

    Down payment
    $17,630
    Cash to close
    $28,208
    Rate
    7.18%
    Mortgage insurance
    PMI · $167

  • Conventional, 20% down, no PMI $2,551a month

    Down payment
    $70,520
    Cash to close
    $81,098
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,877a month

    Down payment
    $52,890
    Cash to close
    $63,468
    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 Beachwood and for Ocean County.

Property tax

Effective rate in Beachwood

1.68%of the home’s value each year

$5,927 a year for the typical owner in Beachwood.

  • Beachwood 1.68%
  • Ocean 1.65%
  • 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 Ocean County

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

Homes in the high-risk zone
22%
47,067
Of those, with NFIP insurance
71%
County New Jersey U.S.
Homes in the high-risk zone 22% 6.7% 3.5%
Of those, with NFIP insurance 71% 63% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Beachwood

Typical rent in Beachwood is $2,335 a month: 33% above the county.

HUD publishes a fair market rent for all of Ocean County, by unit size. To pay the 2-bedroom one ($2,283 a month) without spending more than 30% of your income, you would need to earn $43.90 an hour working full time.

HUD fair market rent for all of Ocean 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 $1,671 $32.13 $66,840
1 bedroom $1,847 $35.52 $73,880
2 bedrooms $2,283 $43.90 $91,320
3 bedrooms $2,927 $56.29 $117,080
4 bedrooms $3,241 $62.33 $129,640

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 Beachwood

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Beachwood is in ZIP code 08722.

For 2 bedrooms it is $2,830: $547 more than the fair market rent for Ocean County ($2,283).

  • 08722 $2,830$3,630

A ZIP code counts for Beachwood 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 Beachwood

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 is 1 HUD-approved agency with an office in Ocean County; 1 says it serves in Spanish.

An older man and his daughter go over papers with a professional.

HUD counseling is free or low-cost

Assistance programs in Beachwood

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

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

Housing counselors near Beachwood

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

  • Ocean, Inc. (ocean Community Economic Action Now, Inc.)

    40 Main St, Toms River · 2 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 6 more
    732-244-5333-1108

  • Navicore Solutions

    200 US Highway 9, Manalapan · 26 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (732) 409-6281

  • Navicore Solutions - Manalapan, NJ

    200 US Highway 9, Manalapan · 26 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    (732) 409-6281

Every agency in Ocean County All counseling agencies in New Jersey

Help in Spanish near Beachwood

3 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 Beachwood

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

4 other authorities have an office in Ocean County: see the list Source: HUD

Cities

Other cities in Ocean County

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

Everything about Ocean County Housing in New Jersey

Nearby cities

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

Neighboring counties

If Ocean 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 Beachwood.

All guides
Two parents walk hand in hand with their little daughter.

Questions

Housing questions about Beachwood

Short answers with the numbers for Beachwood and all of Ocean 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 Beachwood?

The typical home value in Beachwood is $352,600, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Ocean County it is $398,400.

How much does it cost to rent in Beachwood?

Typical rent in Beachwood is $2,335 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Ocean County is $2,283.

What is the FHA loan limit in Beachwood?

Beachwood uses the FHA limit for all of Ocean 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 Beachwood?

The typical homeowner in Beachwood pays $5,927 a year, according to the U.S. Census Bureau. That is 1.68% of the home’s value; in Ocean County, the rate is 1.65%.

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

There is 1 HUD-approved counseling agency with an office in Ocean County. 1 says it serves 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).