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City · 6,939 residents · Monmouth County, New Jersey

Lincroft , New Jersey

In Lincroft, a typical home is worth $807,300. Compared with all of Monmouth County, typical household income is 51% higher, the typical home value is 33% higher, and the share of households that own their home is 13 points higher.

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  • Typical home value

    $807,300

    33% above the county

    78% above New Jersey

    • Lincroft
    • Monmouth
    • New Jersey

  • Typical household income

    $189,000a year

    51% above the county

    83% above New Jersey

    • Lincroft
    • Monmouth
    • New Jersey

  • Households that own their home

    89%

    13 points above the county

    25 points above New Jersey

    • Lincroft
    • Monmouth
    • New Jersey

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

Market now, with Zillow data

Zillow data
Typical home value
$1,069,487
9.3% more than 12 months ago

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

Lincroft 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 Lincroft apart

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

  1. The typical household income in Lincroft is $189,000, 51% more than in Monmouth County as a whole ($124,845).

  2. Nearby, in Tinton Falls, the typical home value is $478,000: 41% less than in Lincroft ($807,300).

  3. The typical home in Lincroft is worth $807,300, 33% more than in Monmouth County as a whole ($606,100).

  4. According to Zillow, in the 12 months to September 2026 the typical home value in Lincroft rose 9.3%; in New Jersey, it rose 4%.

  5. 89% of households in Lincroft own their home, against 76% in Monmouth County.

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

The homes here

Housing in Lincroft

What homes there are in Lincroft, 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 84% of homes here, against 66% in Monmouth County.

Year built

In Lincroft, 87% of homes have 3 bedrooms or more, more than in Monmouth County (65%).

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

$3,874 a month

Monmouth County: $3,070 a month

Owners with a mortgage

69%

Monmouth County: 64%

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 Lincroft rose 40% since 2015–2019, less than in Monmouth County (44%).

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

MeasureLincroftMonmouth 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 2.742.542.622.53
Drive alone 62%65%62%69%
Carpool Unreliable estimate8%8%9%
Public transit Unreliable estimate5%8%3%
Walk or bike Unreliable estimate2%3%3%
Work from home 23%19%17%15%
Other means Unreliable estimate2%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

More people live in each home here: 2.74 on average, against 2.54 in Monmouth County.

In Lincroft, 23% of workers work from home, more than in Monmouth County (19%).

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 Lincroft?

A typical home costs more than the typical income allows

We start with a typical home in Lincroft, worth $807,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 44% of the typical household income in Lincroft, which is $189,000 a year. For that payment to be 28% of income, a household would need to earn about $295,608 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 Lincroft. 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 $28,256 (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

$6,898

at 7.18% · 30 years

Loan amount
$792,677
Total interest
$1,140,477
Paid off in
November 2056

Includes $13,633 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $4,410 a month

  • Tight

    $4,410 to $5,670 a month

  • Hard

    more than $5,670 a month

    Your payment · 44%

Compared with the typical household income in Lincroft ($189,000 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$6,898
Principal & interest$5,370
Property tax$834
Home insurance$336
FHA mortgage insurance (MIP)$357

You need at least $28,256 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

Lincroft and Monmouth County

Lincroft 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).

Lincroft's own numbers

Typical home value
$807,300
Typical yearly household income
$189,000
Households that own their home
89%
Effective property tax rate
1.24%

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 Lincroft

A typical home in Lincroft is worth $807,300: 33% above the county and 78% above New Jersey. With the typical household income in Lincroft ($189,000 a year), a typical home costs 4.3 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.

  • Lincroft 4.3 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

Lincroft 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
  • Lincroft $807,300
  • Monmouth $606,100
  • New Jersey $454,400
  • United States $332,700
Typical yearly household income
  • Lincroft $189,000
  • Monmouth $124,845
  • New Jersey $103,556
  • United States $80,734
See the full table
Lincroft next to Monmouth County and New Jersey
Measure Lincroft Monmouth County New Jersey U.S.
Typical home value $807,300 $606,100 $454,400 $332,700
Typical yearly household income $189,000 $124,845 $103,556 $80,734
Households that own their home 89% 76% 64% 65%
Typical yearly property tax $10,001 $10,001 $9,590 $3,119
Effective property tax rate 1.24% 1.65% 2.11% 0.94%

“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 Lincroft

For a typical $807,300 home in Lincroft, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Lincroft's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $6,898a month

    Least cash to close
    Down payment
    $28,256
    Cash to close
    $52,475
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $357

  • Conventional, 5% down $6,750a month

    Down payment
    $40,365
    Cash to close
    $64,584
    Rate
    7.18%
    Mortgage insurance
    PMI · $383

  • Conventional, 20% down, no PMI $5,546a month

    Down payment
    $161,460
    Cash to close
    $185,679
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $6,292a month

    Down payment
    $121,095
    Cash to close
    $145,314
    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 Lincroft and for Monmouth County.

Property tax

Effective rate in Lincroft

1.24%of the home’s value each year

$10,001 a year for the typical owner in Lincroft.

  • Lincroft 1.24%
  • 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 Lincroft

The Census Bureau publishes no typical rent for Lincroft. Below are the fair market rents for Monmouth County.

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 Lincroft

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Lincroft is in ZIP code 07738.

For 2 bedrooms it is $1,200: $1,083 less than the fair market rent for Monmouth County ($2,283).

  • 07738 $1,200$1,540

A ZIP code counts for Lincroft 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 Lincroft

HUD lists 3 buildings with rents for lower incomes in Lincroft. These are the largest.

  • Luftman Towers 41 Hurleys Ln, Lincroft 07738 189 low-income homes · For older adults (732) 530-0668
  • Pavillion at Luftman 43 Hurleys Ln, Lincroft 60 low-income homes · In service since 1998
  • Pavillion at Luftman Towers 43 Hurleys Ln, Lincroft 60 low-income homes · 1 bd: 60 · In service since 1998

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

Free help

Help to buy or rent in Lincroft

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 young man and a young woman look something up together on a laptop.

HUD counseling is free or low-cost

Assistance programs in Lincroft

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

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

Housing counselors near Lincroft

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

  • Affordable Housing Alliance, Inc.

    11 White St, Eatontown · 4 miles away · Spanish

    Also serves in Czech, Polish, and Russian.

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

  • Navicore Solutions

    200 US Highway 9, Manalapan · 9 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (732) 409-6281

  • Navicore Solutions - Manalapan, NJ

    200 US Highway 9, Manalapan · 9 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    (732) 409-6281

Every agency in Monmouth County All counseling agencies in New Jersey

Help in Spanish near Lincroft

3 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 Lincroft

HUD’s record names them for Lincroft 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 Lincroft, 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 Lincroft.

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

Questions

Housing questions about Lincroft

Short answers with the numbers for Lincroft 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 Lincroft?

The typical home value in Lincroft is $807,300, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Monmouth County it is $606,100.

What is the FHA loan limit in Lincroft?

Lincroft 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 Lincroft?

The typical homeowner in Lincroft pays $10,001 a year, according to the U.S. Census Bureau. That is 1.24% of the home’s value; in Monmouth County, the rate is 1.65%.

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

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).