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City · 14,565 residents · Sussex County, New Jersey

Hopatcong , New Jersey

In Hopatcong, a typical home is worth $340,700 and typical rent is $1,777 a month. Compared with all of Sussex County, typical rent is 12% higher and the typical home value is 8% lower.

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  • Typical home value

    $340,700

    8% below the county

    25% below New Jersey

    • Hopatcong
    • Sussex
    • New Jersey

  • Typical rent

    $1,777a month

    12% above the county

    3% above New Jersey

    • Hopatcong
    • Sussex
    • New Jersey

  • Typical household income

    $115,758a year

    About the same as the county

    12% above New Jersey

    • Hopatcong
    • Sussex
    • New Jersey

  • Households that own their home

    87%

    3 points above the county

    23 points above New Jersey

    • Hopatcong
    • Sussex
    • New Jersey

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

Market now, with Zillow data

Zillow data
Typical home value
$453,060
3.3% more than 12 months ago

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

Hopatcong is in Sussex County. The FHA loan limit ($1,249,125 for a one-unit home), the fair market rents and the help on this page are those of all of Sussex County. See the county

Data updated: October 1, 2026 11 official sources

The homes here

Housing in Hopatcong

What homes there are in Hopatcong, 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 Hopatcong: 94% of homes, more than in Sussex County (78%).

Year built

Homes in Hopatcong are older: the typical year built is 1964; in Sussex County, 1973.

There are fewer big homes in Hopatcong than in Sussex County: 63% have 3 bedrooms or more, against 67%.

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

$2,349 a month

Sussex County: $2,473 a month

Without a mortgage

$1,094 a month

Sussex County: $1,110 a month

Owners with a mortgage

67%

Sussex County: 68%

The typical cost for an owner with a mortgage in Hopatcong is $2,349 a month, less than in Sussex County ($2,473); without one, $1,094.

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 Hopatcong rose 44% since 2015–2019, more than in Sussex County (38%).

Rents in Hopatcong rose at about the same pace as in Sussex County: 22% since 2015–2019, against 21%.

The typical household income in Hopatcong rose 30% over that time; home values changed +44% and rent +22%.

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

MeasureHopatcongSussex CountyNew JerseyUnited States
Rental vacancy Unreliable estimate4.4%3.5%5.5%
Homeowner vacancy Unreliable estimate0.9%0.7%0.9%
More than one person per room Unreliable estimate1.3%4.0%3.4%
People per household 2.442.502.622.53
Drive alone 75%76%62%69%
Carpool 8%6%8%9%
Public transit Unreliable estimate1%8%3%
Walk or bike Unreliable estimate1%3%3%
Work from home 16%15%17%15%
Other means Unreliable estimate1%2%2%
Typical commute 30 to 39 minutes30 to 39 minutes20 to 29 minutes20 to 29 minutes

A household in Hopatcong has 2.44 people on average, about the same as in Sussex County (2.50).

In Hopatcong, 75% of workers drive alone to work; in Sussex County, 76%.

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 Hopatcong?

A typical home is tight for the typical income

We start with a typical home in Hopatcong, worth $340,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 33% of the typical household income in Hopatcong, which is $115,758 a year. For that payment to be 28% of income, a household would need to earn about $136,678 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Hopatcong. 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 $11,925 (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

$3,189

at 7.18% · 30 years

Loan amount
$334,529
Total interest
$481,308
Paid off in
November 2056

Includes $5,754 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,701 a month

  • Tight

    $2,701 to $3,473 a month

    Your payment · 33%

  • Hard

    more than $3,473 a month

Compared with the typical household income in Hopatcong ($115,758 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,189
Principal & interest$2,266
Property tax$630
Home insurance$142
FHA mortgage insurance (MIP)$151

You need at least $11,925 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

Hopatcong and Sussex County

Hopatcong is in Sussex 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).

Hopatcong's own numbers

Typical home value
$340,700
Typical monthly rent
$1,777
Typical yearly household income
$115,758
Households that own their home
87%
Effective property tax rate
2.22%

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

Numbers for all of Sussex County

FHA limit, one-unit home
$1,249,125
Conventional limit, one unit
$1,209,750
HUD fair market rent, 2 bedrooms
$2,233
Price change over 5 years (FHFA)
+66%
Homes in a high flood-risk zone
0.3%

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 Sussex County.

Everything about Sussex County

Buying

Buying a home in Hopatcong

A typical home in Hopatcong is worth $340,700: 8% below the county and 25% below New Jersey. With the typical household income in Hopatcong ($115,758 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.

  • Hopatcong 2.9 years
  • Sussex 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 Sussex County

According to FHFA’s house price index, home prices in Sussex County rose 92% in the 10 years through 2025.

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

Period County New Jersey U.S.
Last year (2025) +6.6% +6.2% +2.9%
5 years (2020–2025) +66% +63% +47%
10 years (2015–2025) +92% +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

Hopatcong next to Sussex 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
  • Hopatcong $340,700
  • Sussex $369,400
  • New Jersey $454,400
  • United States $332,700
Typical monthly rent
  • Hopatcong $1,777
  • Sussex $1,585
  • New Jersey $1,720
  • United States $1,413
Typical yearly household income
  • Hopatcong $115,758
  • Sussex $116,186
  • New Jersey $103,556
  • United States $80,734
See the full table
Hopatcong next to Sussex County and New Jersey
Measure Hopatcong Sussex County New Jersey U.S.
Typical home value $340,700 $369,400 $454,400 $332,700
Typical monthly rent $1,777 $1,585 $1,720 $1,413
Typical yearly household income $115,758 $116,186 $103,556 $80,734
Households that own their home 87% 84% 64% 65%
Typical yearly property tax $7,548 $8,568 $9,590 $3,119
Effective property tax rate 2.22% 2.32% 2.11% 0.94%
Renters with high rent for their income 49% 55% 52% 51%

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

For a typical $340,700 home in Hopatcong, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Hopatcong's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,189a month

    Least cash to close
    Down payment
    $11,925
    Cash to close
    $22,146
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $151

  • Conventional, 5% down $3,127a month

    Down payment
    $17,035
    Cash to close
    $27,256
    Rate
    7.18%
    Mortgage insurance
    PMI · $162

  • Conventional, 20% down, no PMI $2,619a month

    Down payment
    $68,140
    Cash to close
    $78,361
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,934a month

    Down payment
    $51,105
    Cash to close
    $61,326
    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 Hopatcong and for Sussex County.

Property tax

Effective rate in Hopatcong

2.22%of the home’s value each year

$7,548 a year for the typical owner in Hopatcong.

  • Hopatcong 2.22%
  • Sussex 2.32%
  • 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 Sussex County

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

Homes in the high-risk zone
0.3%
148
Of those, with NFIP insurance
36%
County New Jersey U.S.
Homes in the high-risk zone 0.3% 6.7% 3.5%
Of those, with NFIP insurance 36% 63% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Hopatcong

Typical rent in Hopatcong is $1,777 a month: 12% above the county. In Hopatcong, 49% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Sussex County, by unit size. To pay the 2-bedroom one ($2,233 a month) without spending more than 30% of your income, you would need to earn $42.94 an hour working full time.

HUD fair market rent for all of Sussex 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 $1,637 $31.48 $65,480
1 bedroom $1,850 $35.58 $74,000
2 bedrooms $2,233 $42.94 $89,320
3 bedrooms $2,785 $53.56 $111,400
4 bedrooms $3,188 $61.31 $127,520

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 Hopatcong

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Hopatcong has 2 ZIP codes with their own.

For 2 bedrooms it runs from $2,200 in 07821 to $2,350 in 07843.

1 of the 2 is above the fair market rent for Sussex County ($2,233).

  • 07821 $2,200$2,740
  • 07843 $2,350$2,930

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

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 Sussex County. The nearest ones are below; many serve by phone or online.

A man shakes hands with the specialist who helped him with his loan, in the kitchen of his new home.

HUD counseling is free or low-cost

Assistance programs in Hopatcong

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

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

Housing counselors near Hopatcong

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

  • Housing Partnership for Morris County

    2 E Blackwell St Ste 12, Dover · 7 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 7 more
    (973) 659-9222

  • Credit.org - New Jersey Branch

    101 Eisenhower Pkwy, Roseland · 20 miles away · Spanish

    Also serves in other languages.

    • Mortgage delinquency and default
    • Budget and credit workshops
    • and 4 more
    (800) 431-8157

  • Consumer Credit and Budget Counseling, DBA National Foundation for Debt Management

    26 Park St Ste 2000, Montclair · 25 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 7 more
    (727) 755-8558

All counseling agencies in New Jersey

Help in Spanish near Hopatcong

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 Hopatcong

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

One other authority has an office in Sussex County: see the list Source: HUD

Cities

Other cities in Sussex County

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

Everything about Sussex County Housing in New Jersey

Nearby cities

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

Neighboring counties

If Sussex 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 Hopatcong.

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

Questions

Housing questions about Hopatcong

Short answers with the numbers for Hopatcong and all of Sussex 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 Hopatcong?

The typical home value in Hopatcong is $340,700, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Sussex County it is $369,400.

How much does it cost to rent in Hopatcong?

Typical rent in Hopatcong is $1,777 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Sussex County is $2,233.

What is the FHA loan limit in Hopatcong?

Hopatcong uses the FHA limit for all of Sussex County (2026): $1,249,125 for a one-unit home and $2,402,625 for a four-unit home.

How much property tax do owners pay in Hopatcong?

The typical homeowner in Hopatcong pays $7,548 a year, according to the U.S. Census Bureau. That is 2.22% of the home’s value; in Sussex County, the rate is 2.32%.

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

We found no HUD-approved counseling agencies with an office in Sussex County; the nearest ones are on this page. 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).