Español

Este sitio también está en español. Leer en español

City · 7,539 residents · Camden County, New Jersey

Berlin , New Jersey

In Berlin, a typical home is worth $336,300 and typical rent is $1,439 a month. Compared with all of Camden County, the typical home value is 17% higher, typical household income is 16% higher, and the share of households that own their home is 6 points higher.

WhatsApp

  • Typical home value

    $336,300

    17% above the county

    26% below New Jersey

    • Berlin
    • Camden
    • New Jersey

  • Typical rent

    $1,439a month

    3% above the county

    16% below New Jersey

    • Berlin
    • Camden
    • New Jersey

  • Typical household income

    $102,855a year

    16% above the county

    About the same as New Jersey

    • Berlin
    • Camden
    • New Jersey

  • Households that own their home

    71%

    6 points above the county

    7 points above New Jersey

    • Berlin
    • Camden
    • New Jersey

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

Market now, with Zillow data

Zillow data
Typical home value
$393,570
3.1% more than 12 months ago

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

Berlin is in Camden County. The FHA loan limit ($630,200 for a one-unit home), the fair market rents and the help on this page are those of all of Camden County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Berlin apart

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

  1. Nearby, in Lindenwold, the typical home value is $173,600: 48% less than in Berlin ($336,300).

  2. Nearby, in Clementon, the typical rent is $1,169: 19% less than in Berlin ($1,439).

  3. The typical home in Berlin is worth $336,300, 17% more than in Camden County as a whole ($287,100).

  4. The typical household income in Berlin is $102,855, 16% more than in Camden County as a whole ($88,755).

  5. 71% of households in Berlin own their home, against 65% in Camden County.

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

The homes here

Housing in Berlin

What homes there are in Berlin, 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

Detached houses, standing on their own, make up 64% of homes here, against 55% in Camden County.

Year built

The typical home in Berlin was built in 1975, 8 years after the typical one in Camden County.

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

$2,841 a month

Camden County: $2,225 a month

Without a mortgage

$1,126 a month

Camden County: $1,115 a month

Owners with a mortgage

69%

Camden County: 65%

The typical cost for an owner with a mortgage in Berlin is $2,841 a month, more than in Camden County ($2,225); without one, $1,126.

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

Homes in Berlin gained value more slowly than in Camden County: 41% since 2015–2019, against 45%.

Since 2015–2019, the typical rent in Berlin did not change clearly, according to the Census.

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

MeasureBerlinCamden CountyNew JerseyUnited States
Rental vacancy Unreliable estimate3.7%3.5%5.5%
Homeowner vacancy Unreliable estimate0.6%0.7%0.9%
More than one person per room Unreliable estimate2.7%4.0%3.4%
People per household 2.662.572.622.53
Drive alone 83%68%62%69%
Carpool Unreliable estimate9%8%9%
Public transit Unreliable estimate5%8%3%
Walk or bike Unreliable estimate2%3%3%
Work from home 11%16%17%15%
Other means Unreliable estimate2%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

By size, households in Berlin look like those in Camden County: 2.66 people on average.

In Berlin, 83% of workers drive alone to work; in Camden County, 68%.

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 Berlin?

A typical home costs more than the typical income allows

We start with a typical home in Berlin, worth $336,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 38% of the typical household income in Berlin, which is $102,855 a year. For that payment to be 28% of income, a household would need to earn about $140,798 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Berlin. 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 $11,771 (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

$3,285

at 7.18% · 30 years

Loan amount
$330,208
Total interest
$475,092
Paid off in
November 2056

Includes $5,679 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,400 a month

  • Tight

    $2,400 to $3,086 a month

  • Hard

    more than $3,086 a month

    Your payment · 38%

Compared with the typical household income in Berlin ($102,855 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,285
Principal & interest$2,237
Property tax$760
Home insurance$140
FHA mortgage insurance (MIP)$149

You need at least $11,771 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

Berlin and Camden County

Berlin is in Camden 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).

Berlin's own numbers

Typical home value
$336,300
Typical monthly rent
$1,439
Typical yearly household income
$102,855
Households that own their home
71%
Effective property tax rate
2.71%

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

Numbers for all of Camden County

FHA limit, one-unit home
$630,200
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,860
Price change over 5 years (FHFA)
+74%
Homes in a high flood-risk zone
1.8%

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 Camden County.

Everything about Camden County

Buying

Buying a home in Berlin

A typical home in Berlin is worth $336,300: 17% above the county and 26% below New Jersey. With the typical household income in Berlin ($102,855 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.

  • Berlin 3.3 years
  • Camden 3.2 years
  • New Jersey 4.4 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Camden County

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

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

Period County New Jersey U.S.
Last year (2025) +5.8% +6.2% +2.9%
5 years (2020–2025) +74% +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

Berlin next to Camden 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
  • Berlin $336,300
  • Camden $287,100
  • New Jersey $454,400
  • United States $332,700
Typical monthly rent
  • Berlin $1,439
  • Camden $1,402
  • New Jersey $1,720
  • United States $1,413
Typical yearly household income
  • Berlin $102,855
  • Camden $88,755
  • New Jersey $103,556
  • United States $80,734
See the full table
Berlin next to Camden County and New Jersey
Measure Berlin Camden County New Jersey U.S.
Typical home value $336,300 $287,100 $454,400 $332,700
Typical monthly rent $1,439 $1,402 $1,720 $1,413
Typical yearly household income $102,855 $88,755 $103,556 $80,734
Households that own their home 71% 65% 64% 65%
Typical yearly property tax $9,120 $8,134 $9,590 $3,119
Effective property tax rate 2.71% 2.83% 2.11% 0.94%
Renters with high rent for their income 42% 55% 52% 51%

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

For a typical $336,300 home in Berlin, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Berlin's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,285a month

    Least cash to close
    Down payment
    $11,771
    Cash to close
    $21,860
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $149

  • Conventional, 5% down $3,224a month

    Down payment
    $16,815
    Cash to close
    $26,904
    Rate
    7.18%
    Mortgage insurance
    PMI · $160

  • Conventional, 20% down, no PMI $2,722a month

    Down payment
    $67,260
    Cash to close
    $77,349
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,033a month

    Down payment
    $50,445
    Cash to close
    $60,534
    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 Berlin and for Camden County.

Property tax

Effective rate in Berlin

2.71%of the home’s value each year

$9,120 a year for the typical owner in Berlin.

  • Berlin 2.71%
  • Camden 2.83%
  • 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 Camden County

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

Homes in the high-risk zone
1.8%
2,774
Of those, with NFIP insurance
34%
County New Jersey U.S.
Homes in the high-risk zone 1.8% 6.7% 3.5%
Of those, with NFIP insurance 34% 63% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Berlin

Typical rent in Berlin is $1,439 a month: 3% above the county. In Berlin, 42% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Camden County, by unit size. To pay the 2-bedroom one ($1,860 a month) without spending more than 30% of your income, you would need to earn $35.77 an hour working full time.

HUD fair market rent for all of Camden 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 $1,438 $27.65 $57,520
1 bedroom $1,558 $29.96 $62,320
2 bedrooms $1,860 $35.77 $74,400
3 bedrooms $2,216 $42.62 $88,640
4 bedrooms $2,445 $47.02 $97,800

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 Berlin

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Berlin is in ZIP code 08009.

For 2 bedrooms it is $1,840: $20 less than the fair market rent for Camden County ($1,860).

  • 08009 $1,840$2,190

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

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

A man listens closely, seated at a meeting table.

HUD counseling is free or low-cost

Assistance programs in Berlin

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

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

Housing counselors near Berlin

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

  • CCCS of Delaware Valley, Inc. DBA Clarifi

    1060 Kings Highway North, Cherry Hill · 10 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 2 more
    (800) 989-2227

  • Operation Hope- Camden NJ Branch

    533 Fellowship Rd, Mount Laurel · 10 miles away

    (267) 539-8535

  • Financial Wellness Institute Inc

    3 S Broad St, Woodbury · 12 miles away

    • Budget and financial counseling
    • Budget and credit workshops
    • and 6 more
    (856) 251-0311

Every agency in Camden County All counseling agencies in New Jersey

Help in Spanish near Berlin

None 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 Berlin

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

5 other authorities have an office in Camden County: see the list Source: HUD

Cities

Other cities in Camden County

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

Everything about Camden County Housing in New Jersey
See 13 more cities in Camden County, with prices and rents

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

Nearby cities

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

Neighboring counties

If Camden 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 Berlin.

All guides
A mother smiles as she carries her young daughter on her shoulders (black and white).

Questions

Housing questions about Berlin

Short answers with the numbers for Berlin and all of Camden 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 Berlin?

The typical home value in Berlin is $336,300, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Camden County it is $287,100.

How much does it cost to rent in Berlin?

Typical rent in Berlin is $1,439 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Camden County is $1,860.

What is the FHA loan limit in Berlin?

Berlin uses the FHA limit for all of Camden County (2026): $630,200 for a one-unit home and $1,211,950 for a four-unit home.

How much property tax do owners pay in Berlin?

The typical homeowner in Berlin pays $9,120 a year, according to the U.S. Census Bureau. That is 2.71% of the home’s value; in Camden County, the rate is 2.83%.

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

There are 4 HUD-approved counseling agencies with an office in Camden 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).