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City · 71,496 residents · Camden County, New Jersey

Camden , New Jersey

In Camden, a typical home is worth $112,000 and typical rent is $1,226 a month. Compared with all of Camden County, the typical home value is 61% lower, typical household income is 54% lower, and the share of households that own their home is 30 points lower.

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  • Typical home value

    $112,000

    61% below the county

    75% below New Jersey

    • Camden
    • County
    • New Jersey

  • Typical rent

    $1,226a month

    13% below the county

    29% below New Jersey

    • Camden
    • County
    • New Jersey

  • Typical household income

    $40,546a year

    54% below the county

    61% below New Jersey

    • Camden
    • County
    • New Jersey

  • Households that own their home

    34%

    30 points below the county

    29 points below New Jersey

    • Camden
    • County
    • New Jersey

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

Market now, with Zillow data

Zillow data
Typical home value
$149,376
3.2% less than 12 months ago
Typical rent
$1,787 a month
0.9% more than 12 months ago

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

Camden 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 Camden apart

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

  1. 34% of households in Camden own their home, against 65% in Camden County.

  2. Camden has the 3rd lowest typical household income of the 294 cities in New Jersey with more than 5,000 people ($40,546).

  3. Camden has the 3rd lowest typical home value of the 293 cities in New Jersey with more than 5,000 people ($112,000).

  4. According to Zillow, in the 12 months to September 2026 the typical home value in Camden fell 3.2%; in New Jersey, it rose 4%.

  5. Camden has the 17th lowest typical rent of the 283 cities in New Jersey with more than 5,000 people ($1,226).

  6. 11% of households in Camden have no internet at home (6% in Camden County).

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

The homes here

Housing in Camden

What homes there are in Camden, 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

Homes here are varied: attached houses (townhouses) are 53% of them, more than in Camden County (17%), and no kind reaches half.

Year built

In Camden, half of the homes were built before 1950; in Camden County, before 1967.

Homes in Camden are smaller: 53% have 3 bedrooms or more; in Camden County, 62%.

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

At least 97% of owner-occupied homes in Camden are worth less than $500,000, below the FHA loan limit for Camden County ($630,200).

Monthly rent with utilities

About 86% of rented homes in Camden cost less than HUD's 2-bedroom fair market rent for Camden County ($1,860).

With a mortgage

$1,248 a month

Camden County: $2,225 a month

Without a mortgage

$580 a month

Camden County: $1,115 a month

Owners with a mortgage

53%

Camden County: 65%

The typical cost for an owner with a mortgage in Camden is $1,248 a month, less than in Camden County ($2,225); without one, $580.

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 Camden gained value more slowly than in Camden County: 33% since 2015–2019, against 45%.

The typical rent in Camden rose 33% over the same time; in Camden County, it rose 30%.

Income in Camden grew faster than housing: it rose 50%, while home values changed +33% and rent +33%.

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

MeasureCamdenCamden CountyNew JerseyUnited States
Rental vacancy 3.4%3.7%3.5%5.5%
Homeowner vacancy Unreliable estimate0.6%0.7%0.9%
More than one person per room 7.5%2.7%4.0%3.4%
People per household 2.822.572.622.53
Drive alone 55%68%62%69%
Carpool 18%9%8%9%
Public transit 11%5%8%3%
Walk or bike 5%2%3%3%
Work from home 6%16%17%15%
Other means 5%2%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

Open rentals in Camden look like those in Camden County: the rental vacancy rate is 3.4%.

More than one person per room: that is how 7.5% of households in Camden live, more than in Camden County (2.7%).

More people live in each home here: 2.82 on average, against 2.57 in Camden County.

In Camden, 18% of workers share a car to get to work; in Camden County, 9%.

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 Camden?

A typical home is tight for the typical income

We start with a typical home in Camden, worth $112,000, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 31% of the typical household income in Camden, which is $40,546 a year. For that payment to be 28% of income, a household would need to earn about $44,291 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 Camden. 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 $3,920 (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

$1,033

at 7.18% · 30 years

Loan amount
$109,971
Total interest
$158,223
Paid off in
November 2056

Includes $1,891 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $946 a month

  • Tight

    $946 to $1,216 a month

    Your payment · 31%

  • Hard

    more than $1,216 a month

Compared with the typical household income in Camden ($40,546 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,033
Principal & interest$745
Property tax$192
Home insurance$47
FHA mortgage insurance (MIP)$50

You need at least $3,920 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

Camden and Camden County

Camden 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).

Camden's own numbers

Typical home value
$112,000
Typical monthly rent
$1,226
Typical yearly household income
$40,546
Households that own their home
34%
Effective property tax rate
2.06%

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 Camden

A typical home in Camden is worth $112,000: 61% below the county and 75% below New Jersey. With the typical household income in Camden ($40,546 a year), a typical home costs 2.8 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.

  • Camden 2.8 years
  • County 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

Camden 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
  • Camden $112,000
  • County $287,100
  • New Jersey $454,400
  • United States $332,700
Typical monthly rent
  • Camden $1,226
  • County $1,402
  • New Jersey $1,720
  • United States $1,413
Typical yearly household income
  • Camden $40,546
  • County $88,755
  • New Jersey $103,556
  • United States $80,734
See the full table
Camden next to Camden County and New Jersey
Measure Camden Camden County New Jersey U.S.
Typical home value $112,000 $287,100 $454,400 $332,700
Typical monthly rent $1,226 $1,402 $1,720 $1,413
Typical yearly household income $40,546 $88,755 $103,556 $80,734
Households that own their home 34% 65% 64% 65%
Typical yearly property tax $2,302 $8,134 $9,590 $3,119
Effective property tax rate 2.06% 2.83% 2.11% 0.94%
Renters with high rent for their income 60% 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 Camden

For a typical $112,000 home in Camden, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Camden's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,033a month

    Least cash to close
    Down payment
    $3,920
    Cash to close
    $7,280
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $50

  • Conventional, 5% down $1,013a month

    Down payment
    $5,600
    Cash to close
    $8,960
    Rate
    7.18%
    Mortgage insurance
    PMI · $53

  • Conventional, 20% down, no PMI $846a month

    Down payment
    $22,400
    Cash to close
    $25,760
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $949a month

    Down payment
    $16,800
    Cash to close
    $20,160
    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 Camden and for Camden County.

Property tax

Effective rate in Camden

2.06%of the home’s value each year

$2,302 a year for the typical owner in Camden.

  • Camden 2.06%
  • County 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 Camden

Typical rent in Camden is $1,226 a month: 13% below the county. In Camden, 60% 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 Camden

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Camden has 4 ZIP codes with their own.

For 2 bedrooms it runs from $1,480 in 08104 to $1,770 in 08102.

None is above the fair market rent for Camden County ($1,860).

  • 08102 $1,770$2,110
  • 08103 $1,570$1,870
  • 08104 $1,480$1,760
  • 08105 $1,670$1,990

A ZIP code counts for Camden 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 Camden

HUD lists 93 buildings with rents for lower incomes in Camden. These are the largest.

  • Ferry Station Aka Tamarack Apartments 2011 Ferry Ave, Camden 541 homes, 452 low-income · In service since 2003
  • Fair Share Northgate II 500 N 7th St, Camden 08102 402 low-income homes · For families
  • Northgate II 500 N 7th St, Camden 401 low-income homes · Studio: 44 · 1 bd: 219 · 2 bd: 80 · 3 bd: 29 · 4 bd: 29 · In service since 2005
  • Crestbury Apartments 2553 S 8th St, Camden 08104 392 homes, 364 low-income · For older adults
  • Encore Apartments 433 N 7th St, Camden 08102 320 homes, 310 low-income · For families (856) 966-5400

See all 188 buildings in Camden County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Camden

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 Camden

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

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

Housing counselors near Camden

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

  • Neighborhood Housing Services of Camden, Inc

    601-603 Clinton Street, Camden · 1 miles away · Spanish

    Also serves in Vietnamese.

    • Budget and financial counseling
    • Fair housing pre-purchase workshops
    • and 5 more
    (856) 541-0720

  • Parkside Business and Community in Partnership, Inc.

    1487 Kenwood Avenue, Camden · 1 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 3 more
    856-964-0440-15

  • ST. Joseph's Carpenter Society

    20 Church St, Camden · 1 miles away · Spanish

    • Pre-purchase counseling
    • Homebuyer education workshops
    (856) 966-8117

Every agency in Camden County All counseling agencies in New Jersey

Help in Spanish near Camden

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 Camden

HUD’s record names them for Camden or Camden County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • Housing Authority of the City of Camden Public housing and Section 8 vouchers (856) 968-2700

4 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 Camden, 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 Camden.

All guides
A mother and her daughters smile together on a mountain trail with a snowy peak behind them.

Questions

Housing questions about Camden

Short answers with the numbers for Camden 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 Camden?

The typical home value in Camden is $112,000, 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 Camden?

Typical rent in Camden is $1,226 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 Camden?

Camden 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 Camden?

The typical homeowner in Camden pays $2,302 a year, according to the U.S. Census Bureau. That is 2.06% of the home’s value; in Camden County, the rate is 2.83%.

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

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).