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City · 9,719 residents · Monmouth County, New Jersey

Keansburg , New Jersey

In Keansburg, a typical home is worth $311,800 and typical rent is $1,679 a month. Compared with all of Monmouth County, the typical home value is 49% lower, typical household income is 35% lower, and the share of households that own their home is 27 points lower.

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  • Typical home value

    $311,800

    49% below the county

    31% below New Jersey

    • Keansburg
    • Monmouth
    • New Jersey

  • Typical rent

    $1,679a month

    8% below the county

    2% below New Jersey

    • Keansburg
    • Monmouth
    • New Jersey

  • Typical household income

    $81,428a year

    35% below the county

    21% below New Jersey

    • Keansburg
    • Monmouth
    • New Jersey

  • Households that own their home

    49%

    27 points below the county

    15 points below New Jersey

    • Keansburg
    • Monmouth
    • New Jersey

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

Market now, with Zillow data

Zillow data
Typical home value
$391,822
5.2% more than 12 months ago
Typical rent
$2,385 a month

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

Keansburg is in Monmouth 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 Monmouth County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Keansburg apart

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

  1. 49% of households in Keansburg own their home, against 76% in Monmouth County.

  2. The typical home in Keansburg is worth $311,800, 49% less than in Monmouth County as a whole ($606,100).

  3. The typical household income in Keansburg is $81,428, 35% less than in Monmouth County as a whole ($124,845).

  4. 12% of households in Keansburg have no internet at home (4% in Monmouth County).

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

The homes here

Housing in Keansburg

What homes there are in Keansburg, 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 is still the most common home in Keansburg, but it weighs less than in Monmouth County: 56% against 66%.

Year built

In Keansburg, half of the homes were built before 1960; in Monmouth County, before 1975.

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

$2,085 a month

Monmouth County: $3,070 a month

Without a mortgage

$976 a month

Monmouth County: $1,342 a month

Owners with a mortgage

70%

Monmouth County: 64%

The typical cost for an owner with a mortgage in Keansburg is $2,085 a month, less than in Monmouth County ($3,070); without one, $976.

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 Keansburg rose 61%; in Monmouth County, it rose 44%.

Rents in Keansburg rose more slowly than in Monmouth County: 27% since 2015–2019, against 31%.

The typical household income in Keansburg rose 56% over that time; home values changed +61% and rent +27%.

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

MeasureKeansburgMonmouth CountyNew JerseyUnited States
Rental vacancy Unreliable estimate4.2%3.5%5.5%
Homeowner vacancy Unreliable estimate0.7%0.7%0.9%
More than one person per room Unreliable estimate1.9%4.0%3.4%
People per household 2.572.542.622.53
Drive alone 65%65%62%69%
Carpool 12%8%8%9%
Public transit Unreliable estimate5%8%3%
Walk or bike Unreliable estimate2%3%3%
Work from home Unreliable estimate19%17%15%
Other means Unreliable estimate2%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

A household in Keansburg has 2.57 people on average, about the same as in Monmouth County (2.54).

Carpooling is common in Keansburg: 12% of workers get to work that way, against 8% in Monmouth County.

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 Keansburg?

A typical home costs more than the typical income allows

We start with a typical home in Keansburg, worth $311,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 42% of the typical household income in Keansburg, which is $81,428 a year. For that payment to be 28% of income, a household would need to earn about $122,969 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Keansburg. 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 $10,913 (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

$2,869

at 7.18% · 30 years

Loan amount
$306,153
Total interest
$440,482
Paid off in
November 2056

Includes $5,266 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,900 a month

  • Tight

    $1,900 to $2,443 a month

  • Hard

    more than $2,443 a month

    Your payment · 42%

Compared with the typical household income in Keansburg ($81,428 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,869
Principal & interest$2,074
Property tax$528
Home insurance$130
FHA mortgage insurance (MIP)$138

You need at least $10,913 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

Keansburg and Monmouth County

Keansburg is in Monmouth 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).

Keansburg's own numbers

Typical home value
$311,800
Typical monthly rent
$1,679
Typical yearly household income
$81,428
Households that own their home
49%
Effective property tax rate
2.03%

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

Numbers for all of Monmouth County

FHA limit, one-unit home
$1,249,125
Conventional limit, one unit
$1,209,750
HUD fair market rent, 2 bedrooms
$2,283
Price change over 5 years (FHFA)
+64%
Homes in a high flood-risk zone
7.4%

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 Monmouth County.

Everything about Monmouth County

Buying

Buying a home in Keansburg

A typical home in Keansburg is worth $311,800: 49% below the county and 31% below New Jersey. With the typical household income in Keansburg ($81,428 a year), a typical home costs 3.8 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.

  • Keansburg 3.8 years
  • Monmouth 4.9 years
  • New Jersey 4.4 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Monmouth County

According to FHFA’s house price index, home prices in Monmouth County rose 94% in the 10 years through 2025.

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

Period County New Jersey U.S.
Last year (2025) +6.2% +6.2% +2.9%
5 years (2020–2025) +64% +63% +47%
10 years (2015–2025) +94% +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

Keansburg next to Monmouth 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
  • Keansburg $311,800
  • Monmouth $606,100
  • New Jersey $454,400
  • United States $332,700
Typical monthly rent
  • Keansburg $1,679
  • Monmouth $1,827
  • New Jersey $1,720
  • United States $1,413
Typical yearly household income
  • Keansburg $81,428
  • Monmouth $124,845
  • New Jersey $103,556
  • United States $80,734
See the full table
Keansburg next to Monmouth County and New Jersey
Measure Keansburg Monmouth County New Jersey U.S.
Typical home value $311,800 $606,100 $454,400 $332,700
Typical monthly rent $1,679 $1,827 $1,720 $1,413
Typical yearly household income $81,428 $124,845 $103,556 $80,734
Households that own their home 49% 76% 64% 65%
Typical yearly property tax $6,325 $10,001 $9,590 $3,119
Effective property tax rate 2.03% 1.65% 2.11% 0.94%
Renters with high rent for their income 50% 53% 52% 51%

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

For a typical $311,800 home in Keansburg, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Keansburg's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,869a month

    Least cash to close
    Down payment
    $10,913
    Cash to close
    $20,267
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $138

  • Conventional, 5% down $2,812a month

    Down payment
    $15,590
    Cash to close
    $24,944
    Rate
    7.18%
    Mortgage insurance
    PMI · $148

  • Conventional, 20% down, no PMI $2,347a month

    Down payment
    $62,360
    Cash to close
    $71,714
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,635a month

    Down payment
    $46,770
    Cash to close
    $56,124
    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 Keansburg and for Monmouth County.

Property tax

Effective rate in Keansburg

2.03%of the home’s value each year

$6,325 a year for the typical owner in Keansburg.

  • Keansburg 2.03%
  • Monmouth 1.65%
  • 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 Monmouth County

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

Homes in the high-risk zone
7.4%
14,605
Of those, with NFIP insurance
70%
County New Jersey U.S.
Homes in the high-risk zone 7.4% 6.7% 3.5%
Of those, with NFIP insurance 70% 63% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Keansburg

Typical rent in Keansburg is $1,679 a month: 8% below the county. In Keansburg, 50% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Monmouth County, by unit size. To pay the 2-bedroom one ($2,283 a month) without spending more than 30% of your income, you would need to earn $43.90 an hour working full time.

HUD fair market rent for all of Monmouth 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 $1,671 $32.13 $66,840
1 bedroom $1,847 $35.52 $73,880
2 bedrooms $2,283 $43.90 $91,320
3 bedrooms $2,927 $56.29 $117,080
4 bedrooms $3,241 $62.33 $129,640

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 Keansburg

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Keansburg is in ZIP code 07734.

For 2 bedrooms it is $2,130: $153 less than the fair market rent for Monmouth County ($2,283).

  • 07734 $2,130$2,730

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

HUD lists 5 buildings with rents for lower incomes in Keansburg. These are the largest.

  • McGrath Towers 25 Hancock St, Keansburg 07734 109 low-income homes · For older adults (732) 787-6161
  • Keansburg 250 Beachway Ave, Keansburg 186 homes, 100 low-income
  • Granville Tower 1 Church St, Keansburg 80 homes, 79 low-income
  • Church Street Senior Housing 43 Church St, Keansburg 33 low-income homes · In service since 2005 · For older adults
  • Keansburg Mixed Income 250 Beachway Ave, Keansburg In service since 2020

See all 169 buildings in Monmouth County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Keansburg

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 3 HUD-approved agencies with an office in Monmouth County; 3 say they serve in Spanish.

Two women and a girl laugh together at the bus stop.

HUD counseling is free or low-cost

Assistance programs in Keansburg

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

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

Housing counselors near Keansburg

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

  • Puerto Rican Association for Human Development, Inc.

    100 1st St, Perth Amboy · 7 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 6 more
    (732) 638-2824

  • The Housing Authority of the City of Perth Amboy

    881 Amboy Avenue, Perth Amboy · 8 miles away · Spanish

    Also serves in other languages.

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    732-826-3110-631

  • Affordable Housing Alliance, Inc.

    11 White St, Eatontown · 11 miles away · Spanish

    Also serves in Czech, Polish, and Russian.

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 5 more
    (732) 389-2958

Every agency in Monmouth County All counseling agencies in New Jersey

Help in Spanish near Keansburg

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 Keansburg

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

10 other authorities have an office in Monmouth County: see the list Source: HUD

Cities

Other cities in Monmouth County

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

Everything about Monmouth County Housing in New Jersey
See 12 more cities in Monmouth County, with prices and rents

Every city has its own page with prices, rents and help.

Nearby cities

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

Neighboring counties

If Monmouth 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 Keansburg.

All guides
Three generations of a family gather on the porch of their home.

Questions

Housing questions about Keansburg

Short answers with the numbers for Keansburg and all of Monmouth 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 Keansburg?

The typical home value in Keansburg is $311,800, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Monmouth County it is $606,100.

How much does it cost to rent in Keansburg?

Typical rent in Keansburg is $1,679 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Monmouth County is $2,283.

What is the FHA loan limit in Keansburg?

Keansburg uses the FHA limit for all of Monmouth 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 Keansburg?

The typical homeowner in Keansburg pays $6,325 a year, according to the U.S. Census Bureau. That is 2.03% of the home’s value; in Monmouth County, the rate is 1.65%.

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

There are 3 HUD-approved counseling agencies with an office in Monmouth County. 3 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).