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City · 6,992 residents · Atlantic County, New Jersey

Linwood , New Jersey

In Linwood, a typical home is worth $394,700 and typical rent is $2,188 a month. Compared with all of Atlantic County, typical household income is 100% higher, typical rent is 59% higher, and the share of households that own their home is 25 points higher.

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  • Typical home value

    $394,700

    34% above the county

    13% below New Jersey

    • Linwood
    • Atlantic
    • New Jersey

  • Typical rent

    $2,188a month

    59% above the county

    27% above New Jersey

    • Linwood
    • Atlantic
    • New Jersey

  • Typical household income

    $156,354a year

    100% above the county

    51% above New Jersey

    • Linwood
    • Atlantic
    • New Jersey

  • Households that own their home

    94%

    25 points above the county

    30 points above New Jersey

    • Linwood
    • Atlantic
    • New Jersey

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

Market now, with Zillow data

Zillow data
Typical home value
$499,032
5.8% more than 12 months ago

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

Linwood is in Atlantic County. The FHA loan limit ($730,250 for a one-unit home), the fair market rents and the help on this page are those of all of Atlantic County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Linwood apart

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

  1. The typical household income in Linwood is $156,354, 100% more than in Atlantic County as a whole ($78,050).

  2. 94% of households in Linwood own their home, against 69% in Atlantic County.

  3. The typical rent in Linwood is $2,188 a month, 59% more than in Atlantic County as a whole ($1,376).

  4. Nearby, in Pleasantville, the typical home value is $194,100: 51% less than in Linwood ($394,700).

  5. Nearby, in Margate City, the typical rent is $1,347: 38% less than in Linwood ($2,188).

  6. The typical home in Linwood is worth $394,700, 34% more than in Atlantic County as a whole ($295,000).

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

The homes here

Housing in Linwood

What homes there are in Linwood, 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 89% of homes here, against 58% in Atlantic County.

Year built

The typical home in Linwood was built in 1969, 9 years before the typical one in Atlantic County.

Homes in Linwood are bigger: 85% have 3 bedrooms or more; in Atlantic County, 59%.

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

$2,764 a month

Atlantic County: $2,185 a month

Without a mortgage

$1,332 a month

Atlantic County: $1,017 a month

Owners with a mortgage

62%

Atlantic County: 60%

In Linwood, 62% of owners have a mortgage, and their typical cost is $2,764 a month, against $2,185 in Atlantic County. Without one it drops to $1,332.

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 Linwood rose 36% since 2015–2019, about the same as in Atlantic County (35%).

Rents in Linwood rose faster than in Atlantic County: 38% since 2015–2019, against 23%.

The typical household income in Linwood rose 43%: more than home values (+36%) and rent (+38%).

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

MeasureLinwoodAtlantic CountyNew JerseyUnited States
Rental vacancy Unreliable estimate4.3%3.5%5.5%
Homeowner vacancy Unreliable estimate0.8%0.7%0.9%
More than one person per room Unreliable estimate2.9%4.0%3.4%
People per household 2.652.472.622.53
Drive alone 69%73%62%69%
Carpool Unreliable estimate9%8%9%
Public transit Unreliable estimate4%8%3%
Walk or bike Unreliable estimate3%3%3%
Work from home 19%9%17%15%
Other means Unreliable estimate2%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

On average, a household in Linwood has 2.65 people, more than in Atlantic County (2.47).

In Linwood, 19% of workers work from home, more than in Atlantic County (9%).

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 Linwood?

A typical home is tight for the typical income

We start with a typical home in Linwood, worth $394,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 29% of the typical household income in Linwood, which is $156,354 a year. For that payment to be 28% of income, a household would need to earn about $162,711 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Linwood. 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 $13,815 (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

$3,797

at 7.18% · 30 years

Loan amount
$387,550
Total interest
$557,594
Paid off in
November 2056

Includes $6,665 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $3,648 a month

  • Tight

    $3,648 to $4,691 a month

    Your payment · 29%

  • Hard

    more than $4,691 a month

Compared with the typical household income in Linwood ($156,354 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,797
Principal & interest$2,625
Property tax$832
Home insurance$165
FHA mortgage insurance (MIP)$175

You need at least $13,815 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

Linwood and Atlantic County

Linwood is in Atlantic 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).

Linwood's own numbers

Typical home value
$394,700
Typical monthly rent
$2,188
Typical yearly household income
$156,354
Households that own their home
94%
Effective property tax rate
2.53%

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

Numbers for all of Atlantic County

FHA limit, one-unit home
$730,250
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,899
Price change over 5 years (FHFA)
+81%
Homes in a high flood-risk zone
14%

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 Atlantic County.

Everything about Atlantic County

Buying

Buying a home in Linwood

A typical home in Linwood is worth $394,700: 34% above the county and 13% below New Jersey. With the typical household income in Linwood ($156,354 a year), a typical home costs 2.5 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.

  • Linwood 2.5 years
  • Atlantic 3.8 years
  • New Jersey 4.4 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Atlantic County

According to FHFA’s house price index, home prices in Atlantic County rose 105% in the 10 years through 2025.

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

Period County New Jersey U.S.
Last year (2025) +7.8% +6.2% +2.9%
5 years (2020–2025) +81% +63% +47%
10 years (2015–2025) +105% +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

Linwood next to Atlantic 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
  • Linwood $394,700
  • Atlantic $295,000
  • New Jersey $454,400
  • United States $332,700
Typical monthly rent
  • Linwood $2,188
  • Atlantic $1,376
  • New Jersey $1,720
  • United States $1,413
Typical yearly household income
  • Linwood $156,354
  • Atlantic $78,050
  • New Jersey $103,556
  • United States $80,734
See the full table
Linwood next to Atlantic County and New Jersey
Measure Linwood Atlantic County New Jersey U.S.
Typical home value $394,700 $295,000 $454,400 $332,700
Typical monthly rent $2,188 $1,376 $1,720 $1,413
Typical yearly household income $156,354 $78,050 $103,556 $80,734
Households that own their home 94% 69% 64% 65%
Typical yearly property tax $10,001 $6,776 $9,590 $3,119
Effective property tax rate 2.53% 2.3% 2.11% 0.94%
Renters with high rent for their income 53% 57% 52% 51%

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

For a typical $394,700 home in Linwood, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Linwood's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,797a month

    Least cash to close
    Down payment
    $13,815
    Cash to close
    $25,656
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $175

  • Conventional, 5% down $3,724a month

    Down payment
    $19,735
    Cash to close
    $31,576
    Rate
    7.18%
    Mortgage insurance
    PMI · $187

  • Conventional, 20% down, no PMI $3,136a month

    Down payment
    $78,940
    Cash to close
    $90,781
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,501a month

    Down payment
    $59,205
    Cash to close
    $71,046
    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 Linwood and for Atlantic County.

Property tax

Effective rate in Linwood

2.53%of the home’s value each year

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

  • Linwood 2.53%
  • Atlantic 2.3%
  • 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 Atlantic County

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

Homes in the high-risk zone
14%
12,139
Of those, with NFIP insurance
95%
County New Jersey U.S.
Homes in the high-risk zone 14% 6.7% 3.5%
Of those, with NFIP insurance 95% 63% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Linwood

Typical rent in Linwood is $2,188 a month: 59% above the county. In Linwood, 53% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Atlantic County, by unit size. To pay the 2-bedroom one ($1,899 a month) without spending more than 30% of your income, you would need to earn $36.52 an hour working full time.

HUD fair market rent for all of Atlantic 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 $1,378 $26.50 $55,120
1 bedroom $1,567 $30.13 $62,680
2 bedrooms $1,899 $36.52 $75,960
3 bedrooms $2,578 $49.58 $103,120
4 bedrooms $2,849 $54.79 $113,960

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 Linwood

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Linwood is in ZIP code 08221.

For 2 bedrooms it is $2,830: $931 more than the fair market rent for Atlantic County ($1,899).

  • 08221 $2,830$3,840

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

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 is 1 HUD-approved agency with an office in Atlantic County; 1 says it serves in Spanish.

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 Linwood

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

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

Housing counselors near Linwood

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

  • Navicore Solutions- Hammonton, NJ

    212 Bellevue Ave, Hammonton · 24 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 9 more
    (866) 472-4557

  • Operation Hope- Camden NJ Branch

    533 Fellowship Rd, Mount Laurel · 46 miles away

    (267) 539-8535

  • CCCS of Delaware Valley, Inc. DBA Clarifi

    1060 Kings Highway North, Cherry Hill · 46 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 2 more
    (800) 989-2227

Every agency in Atlantic County All counseling agencies in New Jersey

Help in Spanish near Linwood

1 of the 3 agencies on this list says it serves 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 Linwood

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

3 other authorities have an office in Atlantic County: see the list Source: HUD

Cities

Other cities in Atlantic County

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

Everything about Atlantic County Housing in New Jersey
See 2 more cities in Atlantic County, with prices and rents

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

Nearby cities

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

Neighboring counties

If Atlantic 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 Linwood.

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

Questions

Housing questions about Linwood

Short answers with the numbers for Linwood and all of Atlantic 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 Linwood?

The typical home value in Linwood is $394,700, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Atlantic County it is $295,000.

How much does it cost to rent in Linwood?

Typical rent in Linwood is $2,188 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Atlantic County is $1,899.

What is the FHA loan limit in Linwood?

Linwood uses the FHA limit for all of Atlantic County (2026): $730,250 for a one-unit home and $1,404,350 for a four-unit home.

How much property tax do owners pay in Linwood?

The typical homeowner in Linwood pays $10,001 a year, according to the U.S. Census Bureau. That is 2.53% of the home’s value; in Atlantic County, the rate is 2.3%.

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

There is 1 HUD-approved counseling agency with an office in Atlantic County. 1 says it serves 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).