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City · 7,171 residents · Monmouth County, New Jersey

Keyport , New Jersey

In Keyport, a typical home is worth $417,100 and typical rent is $1,458 a month. Compared with all of Monmouth County, typical household income is 34% lower, the typical home value is 31% lower, and the share of households that own their home is 25 points lower.

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  • Typical home value

    $417,100

    31% below the county

    8% below New Jersey

    • Keyport
    • Monmouth
    • New Jersey

  • Typical rent

    $1,458a month

    20% below the county

    15% below New Jersey

    • Keyport
    • Monmouth
    • New Jersey

  • Typical household income

    $82,321a year

    34% below the county

    21% below New Jersey

    • Keyport
    • Monmouth
    • New Jersey

  • Households that own their home

    50%

    25 points below the county

    14 points below New Jersey

    • Keyport
    • Monmouth
    • New Jersey

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

Market now, with Zillow data

Zillow data
Typical home value
$506,577
4.4% more than 12 months ago
Typical rent
$2,733 a month

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

Keyport 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 Keyport apart

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

  1. 50% of households in Keyport own their home, against 76% in Monmouth County.

  2. The typical household income in Keyport is $82,321, 34% less than in Monmouth County as a whole ($124,845).

  3. Nearby, in Laurence Harbor, the typical home value is $306,700: 26% less than in Keyport ($417,100).

  4. The typical home in Keyport is worth $417,100, 31% less than in Monmouth County as a whole ($606,100).

  5. The typical rent in Keyport is $1,458 a month, 20% less than in Monmouth County as a whole ($1,827).

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

The homes here

Housing in Keyport

What homes there are in Keyport, 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 Keyport there is a bit of everything: no kind of home reaches half. The most common are detached houses (44%); in Monmouth County, 66%.

Year built

The typical home in Keyport was built in 1961, 14 years before the typical one in Monmouth County.

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

$2,510 a month

Monmouth County: $3,070 a month

Without a mortgage

$1,109 a month

Monmouth County: $1,342 a month

Owners with a mortgage

75%

Monmouth County: 64%

The typical cost for an owner with a mortgage in Keyport is $2,510 a month, less than in Monmouth County ($3,070); without one, $1,109.

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

Since 2015–2019, homes in Keyport gained value faster than in Monmouth County: 58% against 44%.

The typical rent in Keyport rose 26% over the same time; in Monmouth County, it rose 31%.

While home values in Keyport changed +58% and rent +26%, the typical household income rose 35%.

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

MeasureKeyportMonmouth 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 2.182.542.622.53
Drive alone 70%65%62%69%
Carpool Unreliable estimate8%8%9%
Public transit Unreliable estimate5%8%3%
Walk or bike Unreliable estimate2%3%3%
Work from home 15%19%17%15%
Other means Unreliable estimate2%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

Fewer people live in each home here: 2.18 on average, against 2.54 in Monmouth County.

To get to work, 70% of workers in Keyport drive alone; in Monmouth County, 65%.

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 Keyport?

A typical home costs more than the typical income allows

We start with a typical home in Keyport, worth $417,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 57% of the typical household income in Keyport, which is $82,321 a year. For that payment to be 28% of income, a household would need to earn about $166,583 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 Keyport. 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 $14,599 (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

$3,887

at 7.18% · 30 years

Loan amount
$409,545
Total interest
$589,239
Paid off in
November 2056

Includes $7,044 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,921 a month

  • Tight

    $1,921 to $2,470 a month

  • Hard

    more than $2,470 a month

    Your payment · 57%

Compared with the typical household income in Keyport ($82,321 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,887
Principal & interest$2,774
Property tax$754
Home insurance$174
FHA mortgage insurance (MIP)$184

You need at least $14,599 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

Keyport and Monmouth County

Keyport 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).

Keyport's own numbers

Typical home value
$417,100
Typical monthly rent
$1,458
Typical yearly household income
$82,321
Households that own their home
50%
Effective property tax rate
2.17%

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 Keyport

A typical home in Keyport is worth $417,100: 31% below the county and 8% below New Jersey. With the typical household income in Keyport ($82,321 a year), a typical home costs 5.1 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.

  • Keyport 5.1 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

Keyport 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
  • Keyport $417,100
  • Monmouth $606,100
  • New Jersey $454,400
  • United States $332,700
Typical monthly rent
  • Keyport $1,458
  • Monmouth $1,827
  • New Jersey $1,720
  • United States $1,413
Typical yearly household income
  • Keyport $82,321
  • Monmouth $124,845
  • New Jersey $103,556
  • United States $80,734
See the full table
Keyport next to Monmouth County and New Jersey
Measure Keyport Monmouth County New Jersey U.S.
Typical home value $417,100 $606,100 $454,400 $332,700
Typical monthly rent $1,458 $1,827 $1,720 $1,413
Typical yearly household income $82,321 $124,845 $103,556 $80,734
Households that own their home 50% 76% 64% 65%
Typical yearly property tax $9,057 $10,001 $9,590 $3,119
Effective property tax rate 2.17% 1.65% 2.11% 0.94%
Renters with high rent for their income 40% 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 Keyport

For a typical $417,100 home in Keyport, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Keyport's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,887a month

    Least cash to close
    Down payment
    $14,599
    Cash to close
    $27,112
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $184

  • Conventional, 5% down $3,810a month

    Down payment
    $20,855
    Cash to close
    $33,368
    Rate
    7.18%
    Mortgage insurance
    PMI · $198

  • Conventional, 20% down, no PMI $3,189a month

    Down payment
    $83,420
    Cash to close
    $95,933
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,574a month

    Down payment
    $62,565
    Cash to close
    $75,078
    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 Keyport and for Monmouth County.

Property tax

Effective rate in Keyport

2.17%of the home’s value each year

$9,057 a year for the typical owner in Keyport.

  • Keyport 2.17%
  • 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 Keyport

Typical rent in Keyport is $1,458 a month: 20% below the county. In Keyport, 40% 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 Keyport

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Keyport is in ZIP code 07735.

For 2 bedrooms it is $2,150: $133 less than the fair market rent for Monmouth County ($2,283).

  • 07735 $2,150$2,720

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

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

  • Oyster Bay Apartments 50 Beers St, Keyport 07735 208 homes, 206 low-income · For older adults (732) 264-2711
  • Bethany Manor I & II 500 Broad St, Keyport 07735 331 homes, 146 low-income · For older adults

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

Free help

Help to buy or rent in Keyport

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.

A grandmother pushes her grandson on a playground swing.

HUD counseling is free or low-cost

Assistance programs in Keyport

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

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

Housing counselors near Keyport

The HUD-approved agencies closest to the center of Keyport, 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 · 6 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

  • Puerto Rican Action Board, Inc.

    754 Route 18, East Brunswick · 10 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 7 more
    (732) 832-7535

Every agency in Monmouth County All counseling agencies in New Jersey

Help in Spanish near Keyport

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 Keyport

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

11 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 Keyport, 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 Keyport.

All guides
A father holds his baby and his young son by a white picket fence.

Questions

Housing questions about Keyport

Short answers with the numbers for Keyport 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 Keyport?

The typical home value in Keyport is $417,100, 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 Keyport?

Typical rent in Keyport is $1,458 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 Keyport?

Keyport 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 Keyport?

The typical homeowner in Keyport pays $9,057 a year, according to the U.S. Census Bureau. That is 2.17% of the home’s value; in Monmouth County, the rate is 1.65%.

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

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).