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City · 5,410 residents · Camden County, New Jersey

Clementon , New Jersey

In Clementon, a typical home is worth $223,500 and typical rent is $1,169 a month. Compared with all of Camden County, typical household income is 29% lower and the typical home value is 22% lower.

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  • Typical home value

    $223,500

    22% below the county

    51% below New Jersey

    • Clementon
    • Camden
    • New Jersey

  • Typical rent

    $1,169a month

    17% below the county

    32% below New Jersey

    • Clementon
    • Camden
    • New Jersey

  • Typical household income

    $62,979a year

    29% below the county

    39% below New Jersey

    • Clementon
    • Camden
    • New Jersey

  • Households that own their home

    60%

    5 points below the county

    4 points below New Jersey

    • Clementon
    • Camden
    • New Jersey

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

Market now, with Zillow data

Zillow data
Typical home value
$312,769
3% more than 12 months ago
Typical rent
$1,853 a month

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

Clementon 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 Clementon apart

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

  1. Clementon has the 13th lowest typical rent of the 283 cities in New Jersey with more than 5,000 people ($1,169).

  2. The typical household income in Clementon is $62,979, 29% less than in Camden County as a whole ($88,755).

  3. Nearby, in Lindenwold, the typical home value is $173,600: 22% less than in Clementon ($223,500).

  4. The typical home in Clementon is worth $223,500, 22% less than in Camden County as a whole ($287,100).

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

The homes here

Housing in Clementon

What homes there are in Clementon, 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

The detached house rules in Clementon: 59% of homes, more than in Camden County (55%).

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

$1,850 a month

Camden County: $2,225 a month

Without a mortgage

$927 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 Clementon is $1,850 a month, less than in Camden County ($2,225); without one, $927.

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

The typical home value in Clementon rose 66% since 2015–2019, more than in Camden County (45%).

Since 2015–2019, the typical rent in Clementon 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

MeasureClementonCamden 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 2.442.572.622.53
Drive alone 77%68%62%69%
Carpool Unreliable estimate9%8%9%
Public transit Unreliable estimate5%8%3%
Walk or bike Unreliable estimate2%3%3%
Work from home Unreliable estimate16%17%15%
Other means Unreliable estimate2%2%2%
Typical commute 10 to 19 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

On average, a household in Clementon has 2.44 people, fewer than in Camden County (2.57).

The car rules in Clementon: 77% of workers drive to work alone, and the typical trip takes 10 to 19 minutes.

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 Clementon?

A typical home costs more than the typical income allows

We start with a typical home in Clementon, worth $223,500, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 41% of the typical household income in Clementon, which is $62,979 a year. For that payment to be 28% of income, a household would need to earn about $92,535 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 Clementon. 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 $7,823 (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

$2,159

at 7.18% · 30 years

Loan amount
$219,451
Total interest
$315,739
Paid off in
November 2056

Includes $3,774 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,470 a month

  • Tight

    $1,470 to $1,889 a month

  • Hard

    more than $1,889 a month

    Your payment · 41%

Compared with the typical household income in Clementon ($62,979 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,159
Principal & interest$1,487
Property tax$481
Home insurance$93
FHA mortgage insurance (MIP)$99

You need at least $7,823 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

Clementon and Camden County

Clementon 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).

Clementon's own numbers

Typical home value
$223,500
Typical monthly rent
$1,169
Typical yearly household income
$62,979
Households that own their home
60%
Effective property tax rate
2.58%

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 Clementon

A typical home in Clementon is worth $223,500: 22% below the county and 51% below New Jersey. With the typical household income in Clementon ($62,979 a year), a typical home costs 3.5 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.

  • Clementon 3.5 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

Clementon 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
  • Clementon $223,500
  • Camden $287,100
  • New Jersey $454,400
  • United States $332,700
Typical monthly rent
  • Clementon $1,169
  • Camden $1,402
  • New Jersey $1,720
  • United States $1,413
Typical yearly household income
  • Clementon $62,979
  • Camden $88,755
  • New Jersey $103,556
  • United States $80,734
See the full table
Clementon next to Camden County and New Jersey
Measure Clementon Camden County New Jersey U.S.
Typical home value $223,500 $287,100 $454,400 $332,700
Typical monthly rent $1,169 $1,402 $1,720 $1,413
Typical yearly household income $62,979 $88,755 $103,556 $80,734
Households that own their home 60% 65% 64% 65%
Typical yearly property tax $5,759 $8,134 $9,590 $3,119
Effective property tax rate 2.58% 2.83% 2.11% 0.94%

“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 Clementon

For a typical $223,500 home in Clementon, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Clementon's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,159a month

    Least cash to close
    Down payment
    $7,823
    Cash to close
    $14,528
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $99

  • Conventional, 5% down $2,118a month

    Down payment
    $11,175
    Cash to close
    $17,880
    Rate
    7.18%
    Mortgage insurance
    PMI · $106

  • Conventional, 20% down, no PMI $1,785a month

    Down payment
    $44,700
    Cash to close
    $51,405
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,992a month

    Down payment
    $33,525
    Cash to close
    $40,230
    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 Clementon and for Camden County.

Property tax

Effective rate in Clementon

2.58%of the home’s value each year

$5,759 a year for the typical owner in Clementon.

  • Clementon 2.58%
  • 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 Clementon

Typical rent in Clementon is $1,169 a month: 17% below the county.

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 Clementon

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Clementon is in ZIP code 08021.

For 2 bedrooms it is $1,930: $70 more than the fair market rent for Camden County ($1,860).

  • 08021 $1,930$2,300

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

HUD lists one building with rents for lower incomes in Clementon.

  • Wooster Towers 22 Gibbsboro Rd, Clementon 08021 70 low-income homes · Run by Borough of Clementon Housing Authority · Average payment: $469 a month · Average wait: 6 months (856) 784-1134

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

Free help

Help to buy or rent in Clementon

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.

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

HUD counseling is free or low-cost

Assistance programs in Clementon

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

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

Housing counselors near Clementon

The HUD-approved agencies closest to the center of Clementon, 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 · 8 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 · 9 miles away

    (267) 539-8535

  • Financial Wellness Institute Inc

    3 S Broad St, Woodbury · 10 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 Clementon

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 Clementon

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

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

Questions

Housing questions about Clementon

Short answers with the numbers for Clementon 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 Clementon?

The typical home value in Clementon is $223,500, 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 Clementon?

Typical rent in Clementon is $1,169 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 Clementon?

Clementon 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 Clementon?

The typical homeowner in Clementon pays $5,759 a year, according to the U.S. Census Bureau. That is 2.58% of the home’s value; in Camden County, the rate is 2.83%.

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

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).