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City · 6,191 residents · Middlesex County, New Jersey

Laurence Harbor , New Jersey

In Laurence Harbor, a typical home is worth $306,700 and typical rent is $1,903 a month. Compared with all of Middlesex County, the typical home value is 34% lower, typical household income is 24% lower, and the share of households that own their home is 22 points higher.

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  • Typical home value

    $306,700

    34% below the county

    33% below New Jersey

    • Laurence Harbor
    • Middlesex
    • New Jersey

  • Typical rent

    $1,903a month

    About the same as the county

    11% above New Jersey

    • Laurence Harbor
    • Middlesex
    • New Jersey

  • Typical household income

    $84,291a year

    24% below the county

    19% below New Jersey

    • Laurence Harbor
    • Middlesex
    • New Jersey

  • Households that own their home

    86%

    22 points above the county

    22 points above New Jersey

    • Laurence Harbor
    • Middlesex
    • New Jersey

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

Laurence Harbor is in Middlesex 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 Middlesex County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Laurence Harbor apart

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

  1. 86% of households in Laurence Harbor own their home, against 64% in Middlesex County.

  2. The typical home in Laurence Harbor is worth $306,700, 34% less than in Middlesex County as a whole ($462,900).

  3. Nearby, in Keyport, the typical rent is $1,458: 23% less than in Laurence Harbor ($1,903).

  4. The typical household income in Laurence Harbor is $84,291, 24% less than in Middlesex County as a whole ($111,549).

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

The homes here

Housing in Laurence Harbor

What homes there are in Laurence Harbor, 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

Detached houses, standing on their own, make up 77% of homes here, against 52% in Middlesex County.

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

$2,286 a month

Middlesex County: $2,877 a month

Without a mortgage

$928 a month

Middlesex County: $1,242 a month

Owners with a mortgage

77%

Middlesex County: 63%

The typical cost for an owner with a mortgage in Laurence Harbor is $2,286 a month, less than in Middlesex County ($2,877); without one, $928.

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, home values in Laurence Harbor moved so little that the Census cannot say whether they rose or fell.

The typical rent in Laurence Harbor rose 37% over the same time; in Middlesex County, it rose 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

MeasureLaurence HarborMiddlesex CountyNew JerseyUnited States
Rental vacancy Unreliable estimate2.4%3.5%5.5%
Homeowner vacancy Unreliable estimate0.4%0.7%0.9%
More than one person per room Unreliable estimate5.5%4.0%3.4%
People per household 2.232.752.622.53
Drive alone 65%61%62%69%
Carpool Unreliable estimate8%8%9%
Public transit Unreliable estimate6%8%3%
Walk or bike Unreliable estimate3%3%3%
Work from home 18%18%17%15%
Other means Unreliable estimate4%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

On average, a household in Laurence Harbor has 2.23 people, fewer than in Middlesex County (2.75).

In Laurence Harbor, 65% of workers drive alone to work; in Middlesex County, 61%.

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 Laurence Harbor?

A typical home costs more than the typical income allows

We start with a typical home in Laurence Harbor, worth $306,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 40% of the typical household income in Laurence Harbor, which is $84,291 a year. For that payment to be 28% of income, a household would need to earn about $121,834 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Laurence Harbor. 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 $10,735 (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

$2,843

at 7.18% · 30 years

Loan amount
$301,144
Total interest
$433,276
Paid off in
November 2056

Includes $5,179 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,967 a month

  • Tight

    $1,967 to $2,529 a month

  • Hard

    more than $2,529 a month

    Your payment · 40%

Compared with the typical household income in Laurence Harbor ($84,291 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,843
Principal & interest$2,040
Property tax$539
Home insurance$128
FHA mortgage insurance (MIP)$136

You need at least $10,735 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

Laurence Harbor and Middlesex County

Laurence Harbor is in Middlesex 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).

Laurence Harbor's own numbers

Typical home value
$306,700
Typical monthly rent
$1,903
Typical yearly household income
$84,291
Households that own their home
86%
Effective property tax rate
2.11%

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

Numbers for all of Middlesex County

FHA limit, one-unit home
$1,249,125
Conventional limit, one unit
$1,209,750
HUD fair market rent, 2 bedrooms
$2,623
Price change over 5 years (FHFA)
+62%
Homes in a high flood-risk zone
1.1%

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 Middlesex County.

Everything about Middlesex County

Buying

Buying a home in Laurence Harbor

A typical home in Laurence Harbor is worth $306,700: 34% below the county and 33% below New Jersey. With the typical household income in Laurence Harbor ($84,291 a year), a typical home costs 3.6 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.

  • Laurence Harbor 3.6 years
  • Middlesex 4.1 years
  • New Jersey 4.4 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Middlesex County

According to FHFA’s house price index, home prices in Middlesex County rose 89% in the 10 years through 2025.

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

Period County New Jersey U.S.
Last year (2025) +6.1% +6.2% +2.9%
5 years (2020–2025) +62% +63% +47%
10 years (2015–2025) +89% +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

Laurence Harbor next to Middlesex 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
  • Laurence Harbor $306,700
  • Middlesex $462,900
  • New Jersey $454,400
  • United States $332,700
Typical monthly rent
  • Laurence Harbor $1,903
  • Middlesex $1,871
  • New Jersey $1,720
  • United States $1,413
Typical yearly household income
  • Laurence Harbor $84,291
  • Middlesex $111,549
  • New Jersey $103,556
  • United States $80,734
See the full table
Laurence Harbor next to Middlesex County and New Jersey
Measure Laurence Harbor Middlesex County New Jersey U.S.
Typical home value $306,700 $462,900 $454,400 $332,700
Typical monthly rent $1,903 $1,871 $1,720 $1,413
Typical yearly household income $84,291 $111,549 $103,556 $80,734
Households that own their home 86% 64% 64% 65%
Typical yearly property tax $6,485 $9,712 $9,590 $3,119
Effective property tax rate 2.11% 2.1% 2.11% 0.94%
Renters with high rent for their income 50% 48% 52% 51%

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

For a typical $306,700 home in Laurence Harbor, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Laurence Harbor's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,843a month

    Least cash to close
    Down payment
    $10,735
    Cash to close
    $19,936
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $136

  • Conventional, 5% down $2,787a month

    Down payment
    $15,335
    Cash to close
    $24,536
    Rate
    7.18%
    Mortgage insurance
    PMI · $146

  • Conventional, 20% down, no PMI $2,329a month

    Down payment
    $61,340
    Cash to close
    $70,541
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,613a month

    Down payment
    $46,005
    Cash to close
    $55,206
    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 Laurence Harbor and for Middlesex County.

Property tax

Effective rate in Laurence Harbor

2.11%of the home’s value each year

$6,485 a year for the typical owner in Laurence Harbor.

  • Laurence Harbor 2.11%
  • Middlesex 2.1%
  • 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 Middlesex County

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

Homes in the high-risk zone
1.1%
2,391
Of those, with NFIP insurance
54%
County New Jersey U.S.
Homes in the high-risk zone 1.1% 6.7% 3.5%
Of those, with NFIP insurance 54% 63% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Laurence Harbor

Typical rent in Laurence Harbor is $1,903 a month: about the same as the county. In Laurence Harbor, 50% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Middlesex County, by unit size. To pay the 2-bedroom one ($2,623 a month) without spending more than 30% of your income, you would need to earn $50.44 an hour working full time.

HUD fair market rent for all of Middlesex 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 $1,953 $37.56 $78,120
1 bedroom $2,103 $40.44 $84,120
2 bedrooms $2,623 $50.44 $104,920
3 bedrooms $3,125 $60.10 $125,000
4 bedrooms $3,508 $67.46 $140,320

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 Laurence Harbor

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

For 2 bedrooms it runs from $2,150 in 07735 to $2,420 in 08879.

None is above the fair market rent for Middlesex County ($2,623).

  • 07735 $2,150$2,720
  • 08879 $2,420$2,880

2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Laurence Harbor 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 Laurence Harbor

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 Middlesex County; 2 say they serve in Spanish.

A man leans over the armchair to help a teenage girl with her book.

HUD counseling is free or low-cost

Assistance programs in Laurence Harbor

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

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

Housing counselors near Laurence Harbor

The HUD-approved agencies closest to the center of Laurence Harbor, 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 · 4 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 · 6 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 · 7 miles away · Spanish

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

Every agency in Middlesex County All counseling agencies in New Jersey

Help in Spanish near Laurence Harbor

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 Laurence Harbor

In HUD’s record, no housing authority with an office in Middlesex County is named for Laurence Harbor or Middlesex County.

9 other authorities have an office in Middlesex County: see the list Source: HUD

Cities

Other cities in Middlesex County

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

Everything about Middlesex County Housing in New Jersey
See 15 more cities in Middlesex County, with prices and rents

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

Nearby cities

The cities closest to Laurence Harbor, with the typical home value.

Neighboring counties

If Middlesex 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 Laurence Harbor.

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

Questions

Housing questions about Laurence Harbor

Short answers with the numbers for Laurence Harbor and all of Middlesex 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 Laurence Harbor?

The typical home value in Laurence Harbor is $306,700, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Middlesex County it is $462,900.

How much does it cost to rent in Laurence Harbor?

Typical rent in Laurence Harbor is $1,903 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Middlesex County is $2,623.

What is the FHA loan limit in Laurence Harbor?

Laurence Harbor uses the FHA limit for all of Middlesex 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 Laurence Harbor?

The typical homeowner in Laurence Harbor pays $6,485 a year, according to the U.S. Census Bureau. That is 2.11% of the home’s value; in Middlesex County, the rate is 2.1%.

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

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