In Carneys Point, a typical home is worth $193,300 and typical rent is $1,434 a month. Compared with all of Salem County, the typical home value is 19% lower, typical rent is 14% higher, and the share of households that own their home is 12 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $190,294 to $268,379.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Carneys Point is in Salem 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 Salem County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Salem, the typical home value is $79,800: 59% less than in Carneys Point ($193,300).
2
Carneys Point has the 10th lowest typical home value of the 293 cities in New Jersey with more than 5,000 people ($193,300).
3
Nearby, in Paulsboro, the typical rent is $976: 32% less than in Carneys Point ($1,434).
4
59% of households in Carneys Point own their home, against 71% in Salem County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Carneys Point
What homes there are in Carneys Point, 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 houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Carneys Point
Salem County
New Jersey
United States
Kind of home: Carneys Point and its comparisons
Measure
Carneys Point
Salem County
New Jersey
United States
Detached house
67%
74%
53%
61%
Attached house
Unreliable estimate
5%
10%
6%
Building of 2 to 4
Unreliable estimate
8%
15%
8%
Apartments (5 or more)
21%
9%
22%
19%
Mobile home
Unreliable estimate
3%
1%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
The detached house is still the most common home in Carneys Point, but it weighs less than in Salem County: 67% against 74%.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Carneys Point
Salem County
New Jersey
United States
Year built: Carneys Point and its comparisons
Measure
Carneys Point
Salem County
New Jersey
United States
Before 1960
45%
47%
38%
26%
1960–1979
36%
28%
25%
24%
1980–1999
11%
15%
21%
25%
2000–2009
Unreliable estimate
7%
9%
14%
2010 or later
3%
3%
7%
11%
The typical year built in Carneys Point is 1964, about the same as in Salem County (1962).
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200K46%
$200K–$300K33%
$300K–$500K12%
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Carneys Point and its comparisons
Measure
Carneys Point
Under $100K
Unreliable estimate
$100K–$200K
46%
$200K–$300K
33%
$300K–$500K
12%
$500K–$750K
Unreliable
$750K–$1M
Unreliable
$1M or more
Unreliable estimate
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,49942%
$1,500–$1,99927%
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Carneys Point and its comparisons
Measure
Carneys Point
Under $500
Unreliable estimate
$500–$999
Unreliable estimate
$1,000–$1,499
42%
$1,500–$1,999
27%
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
With a mortgage
$1,858 a month
Salem County: $2,074 a month
Without a mortgage
$895 a month
Salem County: $1,009 a month
Owners with a mortgage
65%
Salem County: 57%
Owning costs less in Carneys Point: with a mortgage, the typical cost is $1,858 a month; in Salem County, $2,074. Without one, $895.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Carneys Point+34%
Salem County+30%
New Jersey+35%
United States+53%
Typical rent
Carneys Point+49%
Salem County+23%
New Jersey+29%
United States+33%
Typical household income
Carneys Point+39%
Salem County+20%
New Jersey+26%
United States+29%
Change since 2015–2019: Carneys Point and its comparisons
Measure
Carneys Point
Salem County
New Jersey
United States
Typical home value
+34%
+30%
+35%
+53%
Typical rent
+49%
+23%
+29%
+33%
Typical household income
+39%
+20%
+26%
+29%
Since 2015–2019, homes in Carneys Point gained value faster than in Salem County: 34% against 30%.
Since 2015–2019, the typical rent in Carneys Point rose 49%, more than in Salem County (23%).
The typical household income in Carneys Point rose 39% over that time; home values changed +34% and rent +49%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Carneys Point and its comparisons
Measure
Carneys Point
Salem County
New Jersey
United States
Rental vacancy
Unreliable estimate
6.3%
3.5%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
0.7%
0.9%
More than one person per room
Unreliable estimate
1.1%
4.0%
3.4%
People per household
2.34
2.57
2.62
2.53
Drive alone
75%
80%
62%
69%
Carpool
11%
7%
8%
9%
Public transit
Unreliable estimate
1%
8%
3%
Walk or bike
Unreliable estimate
1%
3%
3%
Work from home
11%
10%
17%
15%
Other means
Unreliable estimate
2%
2%
2%
Typical commute
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
Fewer people live in each home here: 2.34 on average, against 2.57 in Salem County.
Carpooling is common in Carneys Point: 11% of workers get to work that way, against 7% in Salem County.
Do the math
What would you pay each month for a home in Carneys Point?
A typical home is tight for the typical income
We start with a typical home in Carneys Point, worth $193,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 30% of the typical household income in Carneys Point, which is $77,273 a year. For that payment to be 28% of income, a household would need to earn about $82,171 a year.
The calculator's FHA and conventional loan limits are those of all of Salem County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Carneys Point. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $6,766 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$1,917
at 7.18% · 30 years
Loan amount
$189,798
Total interest
$273,075
Paid off in
November 2056
Includes $3,264 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,803 a month
Tight
$1,803 to $2,318 a month
Your payment · 30%
Hard
more than $2,318 a month
Compared with the typical household income in Carneys Point ($77,273 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,286
Property tax
$466
Home insurance
$81
FHA mortgage insurance (MIP)
$85
You need at least $6,766 for the down payment, plus closing costs.
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.
Total monthly payment $1,917; principal and interest $1,286.
The city and its county
Carneys Point and Salem County
Carneys Point is in Salem 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).
Carneys Point
Map of Salem County, New Jersey, with Carneys Point marked. Around it, the neighboring counties.
Carneys Point
Salem County
Other cities with a page
Carneys Point's own numbers
Typical home value
$193,300
Typical monthly rent
$1,434
Typical yearly household income
$77,273
Households that own their home
59%
Effective property tax rate
2.89%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Salem 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)
+69%
Homes in a high flood-risk zone
17%
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 Salem County.
A typical home in Carneys Point is worth $193,300: 19% below the county and 57% below New Jersey. With the typical household income in Carneys Point ($77,273 a year), a typical home costs 2.5 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.
Carneys Point2.5 years
Salem3.0 years
New Jersey4.4 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Salem County
According to FHFA’s house price index, home prices in Salem County rose 79% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Salem County.
Yearly change in FHFA’s price index in Salem County, 2016 to 2025
2016: −1.1% −1.1% 2016
2017: +0.7% +0.7% 2017
2018: −1.9% −1.9% 2018
2019: +4.2% +4.2% 2019
2020: +3.8% +3.8% 2020
2021: +13.7% +13.7% 2021
2022: +17.8% +17.8% 2022
2023: +12.7% +12.7% 2023
2024: +7.1% +7.1% 2024
2025: +4.6% +4.6% 2025
Change in FHFA’s price index in Salem County, New Jersey and the United States
Period
County
New Jersey
U.S.
Last year (2025)
+4.6%
+6.2%
+2.9%
5 years (2020–2025)
+69%
+63%
+47%
10 years (2015–2025)
+79%
+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
Carneys Point next to Salem 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
Carneys Point$193,300
Salem$239,500
New Jersey$454,400
United States$332,700
Typical monthly rent
Carneys Point$1,434
Salem$1,253
New Jersey$1,720
United States$1,413
Typical yearly household income
Carneys Point$77,273
Salem$79,960
New Jersey$103,556
United States$80,734
See the full table
Carneys Point next to Salem County and New Jersey
Measure
Carneys Point
Salem County
New Jersey
U.S.
Typical home value
$193,300 ▼19% below the county
$239,500
$454,400
$332,700
Typical monthly rent
$1,434 ▲14% above the county
$1,253
$1,720
$1,413
Typical yearly household income
$77,273 ▼3% below the county
$79,960
$103,556
$80,734
Households that own their home
59% ▼12 points below the county
71%
64%
65%
Typical yearly property tax
$5,579 ▼21% below the county
$7,018
$9,590
$3,119
Effective property tax rate
2.89% ▼0.04 points below the county
2.93%
2.11%
0.94%
Renters with high rent for their income
49% ▼6 points below the county
55%
52%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Salem 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 Carneys Point
For a typical $193,300 home in Carneys Point, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Carneys Point's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,917a month
Least cash to close
Down payment
$6,766
Cash to close
$12,565
Rate
7.18%
Mortgage insurance
FHA MIP · $85
Conventional, 5% down$1,882a month
Down payment
$9,665
Cash to close
$15,464
Rate
7.18%
Mortgage insurance
PMI · $92
Conventional, 20% down, no PMI$1,594a month
Down payment
$38,660
Cash to close
$44,459
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,772a month
Down payment
$28,995
Cash to close
$34,794
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Carneys Point
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,917
$6,766
$189,799
7.18%
FHA MIP · $85
$12,565
580
Conventional, 5% down
$1,882
$9,665
$183,635
7.18%
PMI · $92
$15,464
620*
Conventional, 20% down, no PMI
$1,594
$38,660
$154,640
7.18%
None
$44,459
620*
ITIN, 15% down (example)
$1,772
$28,995
$164,305
8.18%
None
$34,794
Set by the lender
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.
Typical rent in Carneys Point is $1,434 a month: 14% above the county. In Carneys Point, 49% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Salem 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.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Salem County (Fiscal year 2027)
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 Carneys Point
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Carneys Point is in ZIP code 08069.
For 2 bedrooms it is $1,720: $140 less than the fair market rent for Salem County ($1,860).
Fair market rent by ZIP code and size in Carneys Point, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
08069
$1,330
$1,440
$1,720
$2,050
$2,260
ZIP code2 bd3 bd
08069 $1,720$2,050
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Carneys Point 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 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
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.
We found no HUD-approved agencies with an office in Salem County. The nearest ones are below; many serve by phone or online.
No down payment, repair or rent-help program on our list is for Carneys Point or Salem County. The ones below are statewide in New Jersey: they work in Carneys Point the same as in the rest of the state.
NJHMFA second loan with no interest, forgiven after five years, for first-time buyers in New Jersey.Offered by New Jersey Housing and Mortgage Finance Agency (NJHMFA).
Extra NJHMFA assistance for first-time buyers whose parents have never owned a home (or who were in foster care in New Jersey).Offered by New Jersey Housing and Mortgage Finance Agency (NJHMFA).
The HUD-approved agencies closest to the center of Carneys Point, in a straight line, nearest first. If one says it serves in Spanish, its card says so.
No legal help resource on our list is for Carneys Point or Salem County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Carneys Point and all of Salem 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 Carneys Point?
The typical home value in Carneys Point is $193,300, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Salem County it is $239,500.
How much does it cost to rent in Carneys Point?
Typical rent in Carneys Point is $1,434 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Salem County is $1,860.
What is the FHA loan limit in Carneys Point?
Carneys Point uses the FHA limit for all of Salem 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 Carneys Point?
The typical homeowner in Carneys Point pays $5,579 a year, according to the U.S. Census Bureau. That is 2.89% of the home’s value; in Salem County, the rate is 2.93%.
Where can I find free help to buy or rent in Carneys Point?
We found no HUD-approved counseling agencies with an office in Salem County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
