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City · 27,511 residents · Cumberland County, New Jersey

Millville , New Jersey

In Millville, a typical home is worth $219,000 and typical rent is $1,261 a month. Home values, rent and income are very close to those of all of Cumberland County.

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  • Typical home value

    $219,000

    About the same as the county

    52% below New Jersey

    • Millville
    • Cumberland
    • New Jersey

  • Typical rent

    $1,261a month

    About the same as the county

    27% below New Jersey

    • Millville
    • Cumberland
    • New Jersey

  • Typical household income

    $70,275a year

    4% above the county

    32% below New Jersey

    • Millville
    • Cumberland
    • New Jersey

  • Households that own their home

    64%

    2 points below the county

    About the same as New Jersey

    • Millville
    • Cumberland
    • New Jersey

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

Market now, with Zillow data

Zillow data
Typical home value
$256,420
1.7% more than 12 months ago
Typical rent
$1,614 a month
1.8% more than 12 months ago

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

Millville is in Cumberland County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Cumberland County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Millville apart

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

  1. Nearby, in Bridgeton, the typical home value is $145,500: 34% less than in Millville ($219,000).

  2. Millville has the 17th lowest typical home value of the 293 cities in New Jersey with more than 5,000 people ($219,000).

  3. Millville has the 22nd lowest typical rent of the 283 cities in New Jersey with more than 5,000 people ($1,261).

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

The homes here

Housing in Millville

What homes there are in Millville, 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 are the majority in Millville (63%), but less so than in Cumberland County (68%).

Year built

The typical year built in Millville is 1970, about the same as in Cumberland County (1969).

There are fewer big homes in Millville than in Cumberland County: 58% have 3 bedrooms or more, against 63%.

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

The FHA limit for Cumberland County is high ($541,287): at least 94% of owner-occupied homes in Millville are worth less than $500,000.

Monthly rent with utilities

HUD's 2-bedroom fair market rent (FMR) for Cumberland County is $1,704; about 85% of rents in Millville are below it.

With a mortgage

$1,888 a month

Cumberland County: $1,883 a month

Without a mortgage

$895 a month

Cumberland County: $853 a month

Owners with a mortgage

62%

Cumberland County: 59%

In Millville, 62% of owners have a mortgage; their typical cost is $1,888 a month, about the same as in Cumberland County.

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

Much as in Cumberland County, the typical home value in Millville rose 38% since 2015–2019.

Rents in Millville rose faster than in Cumberland County: 26% since 2015–2019, against 20%.

The typical household income in Millville rose 21%: less than home values (+38%) and rent (+26%).

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

MeasureMillvilleCumberland CountyNew JerseyUnited States
Rental vacancy Unreliable estimate4.3%3.5%5.5%
Homeowner vacancy Unreliable estimate1.1%0.7%0.9%
More than one person per room Unreliable estimate3.8%4.0%3.4%
People per household 2.302.682.622.53
Drive alone 75%77%62%69%
Carpool 13%13%8%9%
Public transit Unreliable estimate2%8%3%
Walk or bike Unreliable estimate2%3%3%
Work from home 5%5%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 Millville has 2.30 people, fewer than in Cumberland County (2.68).

To get to work, 75% of workers in Millville drive alone; in Cumberland County, 77%.

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 Millville?

A typical home is tight for the typical income

We start with a typical home in Millville, worth $219,000, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 36% of the typical household income in Millville, which is $70,275 a year. For that payment to be 28% of income, a household would need to earn about $89,655 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Millville. 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 $7,665 (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

$2,092

at 7.18% · 30 years

Loan amount
$215,033
Total interest
$309,383
Paid off in
November 2056

Includes $3,698 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,640 a month

  • Tight

    $1,640 to $2,108 a month

    Your payment · 36%

  • Hard

    more than $2,108 a month

Compared with the typical household income in Millville ($70,275 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,092
Principal & interest$1,457
Property tax$447
Home insurance$91
FHA mortgage insurance (MIP)$97

You need at least $7,665 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

Millville and Cumberland County

Millville is in Cumberland 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).

Millville's own numbers

Typical home value
$219,000
Typical monthly rent
$1,261
Typical yearly household income
$70,275
Households that own their home
64%
Effective property tax rate
2.45%

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

Numbers for all of Cumberland County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,704
Price change over 5 years (FHFA)
+73%
Homes in a high flood-risk zone
2.4%

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 Cumberland County.

Everything about Cumberland County

Buying

Buying a home in Millville

A typical home in Millville is worth $219,000: about the same as the county and 52% below New Jersey. With the typical household income in Millville ($70,275 a year), a typical home costs 3.1 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.

  • Millville 3.1 years
  • Cumberland 3.3 years
  • New Jersey 4.4 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Cumberland County

According to FHFA’s house price index, home prices in Cumberland County rose 99% in the 10 years through 2025.

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

Period County New Jersey U.S.
Last year (2025) +6.2% +6.2% +2.9%
5 years (2020–2025) +73% +63% +47%
10 years (2015–2025) +99% +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

Millville next to Cumberland 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
  • Millville $219,000
  • Cumberland $221,400
  • New Jersey $454,400
  • United States $332,700
Typical monthly rent
  • Millville $1,261
  • Cumberland $1,282
  • New Jersey $1,720
  • United States $1,413
Typical yearly household income
  • Millville $70,275
  • Cumberland $67,436
  • New Jersey $103,556
  • United States $80,734
See the full table
Millville next to Cumberland County and New Jersey
Measure Millville Cumberland County New Jersey U.S.
Typical home value $219,000 $221,400 $454,400 $332,700
Typical monthly rent $1,261 $1,282 $1,720 $1,413
Typical yearly household income $70,275 $67,436 $103,556 $80,734
Households that own their home 64% 67% 64% 65%
Typical yearly property tax $5,355 $5,052 $9,590 $3,119
Effective property tax rate 2.45% 2.28% 2.11% 0.94%
Renters with high rent for their income 58% 56% 52% 51%

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

For a typical $219,000 home in Millville, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Millville's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,092a month

    Least cash to close
    Down payment
    $7,665
    Cash to close
    $14,235
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $97

  • Conventional, 5% down $2,052a month

    Down payment
    $10,950
    Cash to close
    $17,520
    Rate
    7.18%
    Mortgage insurance
    PMI · $104

  • Conventional, 20% down, no PMI $1,725a month

    Down payment
    $43,800
    Cash to close
    $50,370
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,928a month

    Down payment
    $32,850
    Cash to close
    $39,420
    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 Millville and for Cumberland County.

Property tax

Effective rate in Millville

2.45%of the home’s value each year

$5,355 a year for the typical owner in Millville.

  • Millville 2.45%
  • Cumberland 2.28%
  • 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 Cumberland County

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

Homes in the high-risk zone
2.4%
1,020
Of those, with NFIP insurance
27%
County New Jersey U.S.
Homes in the high-risk zone 2.4% 6.7% 3.5%
Of those, with NFIP insurance 27% 63% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Millville

Typical rent in Millville is $1,261 a month: about the same as the county. In Millville, 58% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Cumberland County, by unit size. To pay the 2-bedroom one ($1,704 a month) without spending more than 30% of your income, you would need to earn $32.77 an hour working full time.

HUD fair market rent for all of Cumberland 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 $1,288 $24.77 $51,520
1 bedroom $1,420 $27.31 $56,800
2 bedrooms $1,704 $32.77 $68,160
3 bedrooms $2,360 $45.38 $94,400
4 bedrooms $2,478 $47.65 $99,120

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 Millville

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Millville is in ZIP code 08332.

For 2 bedrooms it is $1,670: $34 less than the fair market rent for Cumberland County ($1,704).

  • 08332 $1,670$2,310

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

HUD lists 18 buildings with rents for lower incomes in Millville. These are the largest.

  • Village Road Assisted Living 1111 Village Dr, Millville 154 low-income homes
  • Riverview East 130 S 2nd St, Millville 08332 110 low-income homes · Run by Millville Housing Authority · Average payment: $405 a month · Average wait: 12 months (856) 825-8860
  • Delsea Village 2223 S 2nd St, Millville 100 low-income homes · 1 bd: 30 · 2 bd: 20 · 3 bd: 50 · In service since 2004
  • Ferguson/Holly Berry Court 2045 Wheaton Ave, Millville 08332 100 low-income homes · Run by Millville Housing Authority · Average payment: $511 a month · Average wait: 32 months (856) 825-8860
  • Delsea Village #718 2223 S 2nd St, Millville 08332 100 homes, 99 low-income · In service since 2012 · For families

See all 60 buildings in Cumberland County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Millville

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.

We found no HUD-approved agencies with an office in Cumberland County. The nearest ones are below; many serve by phone or online.

A young woman and a young man point to a line in their notes beside a laptop in a library.

HUD counseling is free or low-cost

Assistance programs in Millville

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

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

Housing counselors near Millville

The HUD-approved agencies closest to the center of Millville, 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 · 22 miles away · Spanish

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

  • Financial Wellness Institute Inc

    3 S Broad St, Woodbury · 31 miles away

    • Budget and financial counseling
    • Budget and credit workshops
    • and 6 more
    (856) 251-0311

  • CCCS of Delaware Valley, Inc. DBA Clarifi

    1060 Kings Highway North, Cherry Hill · 37 miles away

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

All counseling agencies in New Jersey

Help in Spanish near Millville

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 Millville

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

  • Millville Housing Authority Public housing and Section 8 vouchers (856) 825-8860

2 other authorities have an office in Cumberland County: see the list Source: HUD

Cities

Other cities in Cumberland County

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

Everything about Cumberland County Housing in New Jersey

Nearby cities

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

Neighboring counties

If Cumberland 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 Millville.

All guides
A couple spread mulch under the avocado trees of their family orchard, he on the tractor and she with a shovel.

Questions

Housing questions about Millville

Short answers with the numbers for Millville and all of Cumberland 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 Millville?

The typical home value in Millville is $219,000, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Cumberland County it is $221,400.

How much does it cost to rent in Millville?

Typical rent in Millville is $1,261 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Cumberland County is $1,704.

What is the FHA loan limit in Millville?

Millville uses the FHA limit for all of Cumberland County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.

How much property tax do owners pay in Millville?

The typical homeowner in Millville pays $5,355 a year, according to the U.S. Census Bureau. That is 2.45% of the home’s value; in Cumberland County, the rate is 2.28%.

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

We found no HUD-approved counseling agencies with an office in Cumberland County; the nearest ones are on this page. 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).