Español

Este sitio también está en español. Leer en español

City · 11,509 residents · Camden County, New Jersey

Gloucester City , New Jersey

In Gloucester City, a typical home is worth $190,700 and typical rent is $1,484 a month. Compared with all of Camden County, the typical home value is 34% lower, typical household income is 27% lower, and the share of households that own their home is 7 points lower.

WhatsApp

  • Typical home value

    $190,700

    34% below the county

    58% below New Jersey

    • Gloucester City
    • Camden
    • New Jersey

  • Typical rent

    $1,484a month

    6% above the county

    14% below New Jersey

    • Gloucester City
    • Camden
    • New Jersey

  • Typical household income

    $64,938a year

    27% below the county

    37% below New Jersey

    • Gloucester City
    • Camden
    • New Jersey

  • Households that own their home

    57%

    7 points below the county

    7 points below New Jersey

    • Gloucester City
    • Camden
    • New Jersey

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

Market now, with Zillow data

Zillow data
Typical home value
$239,183
1.9% less than 12 months ago
Typical rent
$1,740 a month

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

Gloucester City 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 Gloucester City apart

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

  1. Gloucester City has the 8th lowest typical home value of the 293 cities in New Jersey with more than 5,000 people ($190,700).

  2. Nearby, in Camden, the typical home value is $112,000: 41% less than in Gloucester City ($190,700).

  3. According to Zillow, in the 12 months to September 2026 the typical home value in Gloucester City fell 1.9%; in New Jersey, it rose 4%.

  4. The typical household income in Gloucester City is $64,938, 27% less than in Camden County as a whole ($88,755).

  5. Nearby, in Haddon Heights, the typical rent is $1,166: 21% less than in Gloucester City ($1,484).

  6. 57% of households in Gloucester City own their home, against 65% in Camden County.

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

The homes here

Housing in Gloucester City

What homes there are in Gloucester City, 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 Gloucester City there is a bit of everything: no kind of home reaches half. The most common are detached houses (43%); 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

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

Monthly rent with utilities

With a mortgage

$1,841 a month

Camden County: $2,225 a month

Without a mortgage

$880 a month

Camden County: $1,115 a month

Owners with a mortgage

64%

Camden County: 65%

The typical cost for an owner with a mortgage in Gloucester City is $1,841 a month, less than in Camden County ($2,225); without one, $880.

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 Gloucester City rose 52%; in Camden County, it rose 45%.

Much as in Camden County, the typical rent in Gloucester City rose 28% since 2015–2019.

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

MeasureGloucester CityCamden 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 2.832.572.622.53
Drive alone 73%68%62%69%
Carpool 11%9%8%9%
Public transit Unreliable estimate5%8%3%
Walk or bike Unreliable estimate2%3%3%
Work from home 8%16%17%15%
Other means Unreliable estimate2%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

On average, a household in Gloucester City has 2.83 people, more than in Camden County (2.57).

In Gloucester City, 73% 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 Gloucester City?

A typical home is tight for the typical income

We start with a typical home in Gloucester City, worth $190,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 36% of the typical household income in Gloucester City, which is $64,938 a year. For that payment to be 28% of income, a household would need to earn about $83,450 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 Gloucester City. 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 $6,675 (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

$1,947

at 7.18% · 30 years

Loan amount
$187,245
Total interest
$269,402
Paid off in
November 2056

Includes $3,220 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,515 a month

  • Tight

    $1,515 to $1,948 a month

    Your payment · 36%

  • Hard

    more than $1,948 a month

Compared with the typical household income in Gloucester City ($64,938 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,947
Principal & interest$1,268
Property tax$515
Home insurance$80
FHA mortgage insurance (MIP)$84

You need at least $6,675 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

Gloucester City and Camden County

Gloucester City 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).

Gloucester City's own numbers

Typical home value
$190,700
Typical monthly rent
$1,484
Typical yearly household income
$64,938
Households that own their home
57%
Effective property tax rate
3.24%

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 Gloucester City

A typical home in Gloucester City is worth $190,700: 34% below the county and 58% below New Jersey. With the typical household income in Gloucester City ($64,938 a year), a typical home costs 2.9 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.

  • Gloucester City 2.9 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

Gloucester City 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
  • Gloucester City $190,700
  • Camden $287,100
  • New Jersey $454,400
  • United States $332,700
Typical monthly rent
  • Gloucester City $1,484
  • Camden $1,402
  • New Jersey $1,720
  • United States $1,413
Typical yearly household income
  • Gloucester City $64,938
  • Camden $88,755
  • New Jersey $103,556
  • United States $80,734
See the full table
Gloucester City next to Camden County and New Jersey
Measure Gloucester City Camden County New Jersey U.S.
Typical home value $190,700 $287,100 $454,400 $332,700
Typical monthly rent $1,484 $1,402 $1,720 $1,413
Typical yearly household income $64,938 $88,755 $103,556 $80,734
Households that own their home 57% 65% 64% 65%
Typical yearly property tax $6,175 $8,134 $9,590 $3,119
Effective property tax rate 3.24% 2.83% 2.11% 0.94%
Renters with high rent for their income 51% 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 Gloucester City

For a typical $190,700 home in Gloucester City, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Gloucester City's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,947a month

    Least cash to close
    Down payment
    $6,675
    Cash to close
    $12,396
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $84

  • Conventional, 5% down $1,912a month

    Down payment
    $9,535
    Cash to close
    $15,256
    Rate
    7.18%
    Mortgage insurance
    PMI · $91

  • Conventional, 20% down, no PMI $1,628a month

    Down payment
    $38,140
    Cash to close
    $43,861
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,804a month

    Down payment
    $28,605
    Cash to close
    $34,326
    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 Gloucester City and for Camden County.

Property tax

Effective rate in Gloucester City

3.24%of the home’s value each year

$6,175 a year for the typical owner in Gloucester City.

  • Gloucester City 3.24%
  • 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 Gloucester City

Typical rent in Gloucester City is $1,484 a month: 6% above the county. In Gloucester City, 51% 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 Gloucester City

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Gloucester City is in ZIP code 08030.

For 2 bedrooms it is $1,970: $110 more than the fair market rent for Camden County ($1,860).

  • 08030 $1,970$2,350

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

HUD lists 2 buildings with rents for lower incomes in Gloucester City. These are the largest.

  • Gloucester Towne 101 Market St, Gloucester City 08030 105 low-income homes · For older adults
  • Carpenter's Square 430 S Broadway, Gloucester City 101 homes, 100 low-income · In service since 2005

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

Free help

Help to buy or rent in Gloucester City

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 grandmother smiles, seated at home.

HUD counseling is free or low-cost

Assistance programs in Gloucester City

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

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

Housing counselors near Gloucester City

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

  • Parkside Business and Community in Partnership, Inc.

    1487 Kenwood Avenue, Camden · 3 miles away

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

  • Neighborhood Housing Services of Camden, Inc

    601-603 Clinton Street, Camden · 3 miles away · Spanish

    Also serves in Vietnamese.

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

  • Financial Wellness Institute Inc

    3 S Broad St, Woodbury · 4 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 Gloucester City

1 of the 3 agencies on this list says it serves 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 Gloucester City

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

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 Gloucester City, 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 Gloucester City.

All guides
Two girls write and draw together at the living-room table.

Questions

Housing questions about Gloucester City

Short answers with the numbers for Gloucester City 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 Gloucester City?

The typical home value in Gloucester City is $190,700, 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 Gloucester City?

Typical rent in Gloucester City is $1,484 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 Gloucester City?

Gloucester City 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 Gloucester City?

The typical homeowner in Gloucester City pays $6,175 a year, according to the U.S. Census Bureau. That is 3.24% of the home’s value; in Camden County, the rate is 2.83%.

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

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).