City · 32,530 residents · Monmouth County, New Jersey
Long Branch, New Jersey
In Long Branch, a typical home is worth $574,000 and typical rent is $1,876 a month. Compared with all of Monmouth County, typical household income is 36% lower, the typical home value is 5% lower, and the share of households that own their home is 33 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $591,323 to $825,074.
Typical rent
$2,678a month
▲ 4.1% more than 12 months ago
Typical rent from Zillow, December 2021 to September 2026: from $2,141 to $2,678.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Long Branch 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
What this place has that others do not, from public data, most unusual first.
1
42% of households in Long Branch own their home, against 76% in Monmouth County.
2
The typical household income in Long Branch is $79,653,36% less than in Monmouth County as a whole ($124,845).
3
According to Zillow, in the 12 months to September 2026 the typical home value in Long Branch rose 8.7%; in New Jersey, it rose 4%.
Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data
The homes here
Housing in Long Branch
What homes there are in Long Branch, 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 houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Long Branch
Monmouth County
New Jersey
United States
Kind of home: Long Branch and its comparisons
Measure
Long Branch
Monmouth County
New Jersey
United States
Detached house
33%
66%
53%
61%
Attached house
13%
10%
10%
6%
Building of 2 to 4
17%
7%
15%
8%
Apartments (5 or more)
37%
17%
22%
19%
Mobile home
Unreliable estimate
1%
1%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
There are more apartments in Long Branch than in Monmouth County: 37% of homes, against 17%.
Year built
Before 19601960–19791980–19992000–20092010 or later
Long Branch
Monmouth County
New Jersey
United States
Year built: Long Branch and its comparisons
Measure
Long Branch
Monmouth County
New Jersey
United States
Before 1960
38%
30%
38%
26%
1960–1979
23%
27%
25%
24%
1980–1999
21%
27%
21%
25%
2000–2009
11%
9%
9%
14%
2010 or later
7%
7%
7%
11%
In Long Branch, half of the homes were built before 1970; in Monmouth County, before 1975.
There are fewer big homes in Long Branch than in Monmouth County: 40% have 3 bedrooms or more, against 65%.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200KUnreliable
$200K–$300K9%
$300K–$500K29%
$500K–$750K32%
$750K–$1M11%
$1M or more17%
Value of owner-occupied homes: Long Branch and its comparisons
Measure
Long Branch
Under $100K
Unreliable estimate
$100K–$200K
Unreliable estimate
$200K–$300K
9%
$300K–$500K
29%
$500K–$750K
32%
$750K–$1M
11%
$1M or more
17%
Monthly rent with utilities
Unreliable estimate
Under $5008%
$500–$999Unreliable
$1,000–$1,49916%
$1,500–$1,99928%
$2,000–$2,49920%
$2,500–$2,99914%
$3,000 or more9%
Monthly rent with utilities: Long Branch and its comparisons
Measure
Long Branch
Under $500
8%
$500–$999
Unreliable estimate
$1,000–$1,499
16%
$1,500–$1,999
28%
$2,000–$2,499
20%
$2,500–$2,999
14%
$3,000 or more
9%
With a mortgage
$2,803 a month
Monmouth County: $3,070 a month
Without a mortgage
$1,183 a month
Monmouth County: $1,342 a month
Owners with a mortgage
57%
Monmouth County: 64%
The typical cost for an owner with a mortgage in Long Branch is $2,803 a month, less than in Monmouth County ($3,070); without one, $1,183.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Long Branch+58%
Monmouth County+44%
New Jersey+35%
United States+53%
Typical rent
Long Branch+43%
Monmouth County+31%
New Jersey+29%
United States+33%
Typical household income
Long Branch+33%
Monmouth County+25%
New Jersey+26%
United States+29%
Change since 2015–2019: Long Branch and its comparisons
Measure
Long Branch
Monmouth County
New Jersey
United States
Typical home value
+58%
+44%
+35%
+53%
Typical rent
+43%
+31%
+29%
+33%
Typical household income
+33%
+25%
+26%
+29%
Since 2015–2019, homes in Long Branch gained value faster than in Monmouth County: 58% against 44%.
Rents in Long Branch rose faster than in Monmouth County: 43% since 2015–2019, against 31%.
The typical household income in Long Branch rose 33%: less than home values (+58%) and rent (+43%).
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Long Branch and its comparisons
Measure
Long Branch
Monmouth County
New Jersey
United States
Rental vacancy
4.9%
4.2%
3.5%
5.5%
Homeowner vacancy
Unreliable estimate
0.7%
0.7%
0.9%
More than one person per room
5.5%
1.9%
4.0%
3.4%
People per household
2.45
2.54
2.62
2.53
Drive alone
55%
65%
62%
69%
Carpool
25%
8%
8%
9%
Public transit
4%
5%
8%
3%
Walk or bike
3%
2%
3%
3%
Work from home
10%
19%
17%
15%
Other means
3%
2%
2%
2%
Typical commute
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
In Long Branch, the rental vacancy rate is 4.9%, about the same as in Monmouth County.
In Long Branch, 5.5% of households live with more than one person per room, against 1.9% in Monmouth County.
Much as in Monmouth County, a household in Long Branch has 2.45 people on average.
In Long Branch, 25% of workers share a car to get to work; in Monmouth County, 8%.
Do the math
What would you pay each month for a home in Long Branch?
A typical home costs more than the typical income allows
We start with a typical home in Long Branch, worth $574,000, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 75% of the typical household income in Long Branch, which is $79,653 a year. For that payment to be 28% of income, a household would need to earn about $214,076 a year.
The calculator's FHA and conventional loan limits are those of all of Monmouth County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Long Branch. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $20,090 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$4,995
at 7.18% · 30 years
Loan amount
$563,603
Total interest
$810,893
Paid off in
November 2056
Includes $9,693 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,859 a month
Tight
$1,859 to $2,390 a month
Hard
more than $2,390 a month
Your payment · 75%
Compared with the typical household income in Long Branch ($79,653 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$3,818
Property tax
$684
Home insurance
$239
FHA mortgage insurance (MIP)
$254
You need at least $20,090 for the down payment, plus closing costs.
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.
Total monthly payment $4,995; principal and interest $3,818.
The city and its county
Long Branch and Monmouth County
Long Branch 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).
Long Branch
Map of Monmouth County, New Jersey, with Long Branch marked. Around it, the neighboring counties.
Long Branch
Monmouth County
Other cities with a page
Long Branch's own numbers
Typical home value
$574,000
Typical monthly rent
$1,876
Typical yearly household income
$79,653
Households that own their home
42%
Effective property tax rate
1.43%
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.
A typical home in Long Branch is worth $574,000: 5% below the county and 26% above New Jersey. With the typical household income in Long Branch ($79,653 a year), a typical home costs 7.2 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.
Long Branch7.2 years
Monmouth4.9 years
New Jersey4.4 years
United States4.1 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.
Yearly change in FHFA’s price index in Monmouth County, 2016 to 2025
2016: +2.9% +2.9% 2016
2017: +3.3% +3.3% 2017
2018: +4.4% +4.4% 2018
2019: +3.6% +3.6% 2019
2020: +3.0% +3.0% 2020
2021: +11.7% +11.7% 2021
2022: +14.9% +14.9% 2022
2023: +11.2% +11.2% 2023
2024: +8.3% +8.3% 2024
2025: +6.2% +6.2% 2025
Change in FHFA’s price index in Monmouth County, New Jersey and the United States
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
Long Branch 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
Long Branch$574,000
Monmouth$606,100
New Jersey$454,400
United States$332,700
Typical monthly rent
Long Branch$1,876
Monmouth$1,827
New Jersey$1,720
United States$1,413
Typical yearly household income
Long Branch$79,653
Monmouth$124,845
New Jersey$103,556
United States$80,734
See the full table
Long Branch next to Monmouth County and New Jersey
Measure
Long Branch
Monmouth County
New Jersey
U.S.
Typical home value
$574,000 ▼5% below the county
$606,100
$454,400
$332,700
Typical monthly rent
$1,876 ▲3% above the county
$1,827
$1,720
$1,413
Typical yearly household income
$79,653 ▼36% below the county
$124,845
$103,556
$80,734
Households that own their home
42% ▼33 points below the county
76%
64%
65%
Typical yearly property tax
$8,226 ▼18% below the county
$10,001
$9,590
$3,119
Effective property tax rate
1.43% ▼0.22 points below the county
1.65%
2.11%
0.94%
Renters with high rent for their income
53%
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 Long Branch
For a typical $574,000 home in Long Branch, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Long Branch's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$4,995a month
Least cash to close
Down payment
$20,090
Cash to close
$37,310
Rate
7.18%
Mortgage insurance
FHA MIP · $254
Conventional, 5% down$4,890a month
Down payment
$28,700
Cash to close
$45,920
Rate
7.18%
Mortgage insurance
PMI · $273
Conventional, 20% down, no PMI$4,034a month
Down payment
$114,800
Cash to close
$132,020
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$4,565a month
Down payment
$86,100
Cash to close
$103,320
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Long Branch
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$4,995
$20,090
$563,603
7.18%
FHA MIP · $254
$37,310
580
Conventional, 5% down
$4,890
$28,700
$545,300
7.18%
PMI · $273
$45,920
620*
Conventional, 20% down, no PMI
$4,034
$114,800
$459,200
7.18%
None
$132,020
620*
ITIN, 15% down (example)
$4,565
$86,100
$487,900
8.18%
None
$103,320
Set by the lender
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.
Typical rent in Long Branch is $1,876 a month: 3% above the county. In Long Branch, 53% 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 lists 31 buildings with rents for lower incomes in Long Branch. These are the largest.
Kennedy TWS36 Rockwell Ave, Long Branch 07740160 low-income homes · Run by Long Branch Housing Authority · Average payment: $418 a month · Average wait: 7 months(732) 222-3747
Oceanpointe Towers10 Pavilion Ave, Long Branch 07740151 homes, 150 low-income · For older adults
Washington Manor178 Ocean Ave, Long Branch 07740100 low-income homes · For older adults
Presidential Estates (formerly Grant Court)2 Hope Ln, Long Branch70 low-income homes · In service since 2007
Gregory School Garrett Estates Annex157 7th Ave, Long Branch64 low-income homes · In service since 2013
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.
No down payment, repair or rent-help program on our list is for Long Branch or Monmouth County. The ones below are statewide in New Jersey: they work in Long Branch the same as in the rest of the state.
NJHMFA second loan with no interest, forgiven after five years, for first-time buyers in New Jersey.Offered by New Jersey Housing and Mortgage Finance Agency (NJHMFA).
Extra NJHMFA assistance for first-time buyers whose parents have never owned a home (or who were in foster care in New Jersey).Offered by New Jersey Housing and Mortgage Finance Agency (NJHMFA).
No legal help resource on our list is for Long Branch or Monmouth County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Long Branch 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 Long Branch?
The typical home value in Long Branch is $574,000, 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 Long Branch?
Typical rent in Long Branch is $1,876 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 Long Branch?
Long Branch 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 Long Branch?
The typical homeowner in Long Branch pays $8,226 a year, according to the U.S. Census Bureau. That is 1.43% of the home’s value; in Monmouth County, the rate is 1.65%.
Where can I find free help to buy or rent in Long Branch?
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.
