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City · 6,248 residents · Gloucester County, New Jersey

Paulsboro , New Jersey

In Paulsboro, a typical home is worth $202,700 and typical rent is $976 a month. Compared with all of Gloucester County, typical household income is 39% lower, typical rent is 36% lower, and the share of households that own their home is 18 points lower.

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  • Typical home value

    $202,700

    35% below the county

    55% below New Jersey

    • Paulsboro
    • Gloucester
    • New Jersey

  • Typical rent

    $976a month

    36% below the county

    43% below New Jersey

    • Paulsboro
    • Gloucester
    • New Jersey

  • Typical household income

    $64,239a year

    39% below the county

    38% below New Jersey

    • Paulsboro
    • Gloucester
    • New Jersey

  • Households that own their home

    62%

    18 points below the county

    2 points below New Jersey

    • Paulsboro
    • Gloucester
    • New Jersey

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

Market now, with Zillow data

Zillow data
Typical home value
$235,972
5.1% more than 12 months ago
Typical rent
$1,525 a month

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

Paulsboro is in Gloucester County. The FHA loan limit ($630,200 for a one-unit home), the fair market rents and the help on this page are those of all of Gloucester County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Paulsboro apart

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

  1. Paulsboro has the 3rd lowest typical rent of the 283 cities in New Jersey with more than 5,000 people ($976).

  2. Paulsboro has the 12th lowest typical home value of the 293 cities in New Jersey with more than 5,000 people ($202,700).

  3. 62% of households in Paulsboro own their home, against 80% in Gloucester County.

  4. The typical household income in Paulsboro is $64,239, 39% less than in Gloucester County as a whole ($105,115).

  5. Paulsboro has the 12th largest share of rent-burdened renters of the 249 cities in New Jersey with more than 5,000 people (70%).

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

The homes here

Housing in Paulsboro

What homes there are in Paulsboro, 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 Paulsboro (67%), but less so than in Gloucester County (73%).

Year built

Homes in Paulsboro are older: the typical year built is 1955; in Gloucester County, 1980.

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

$1,653 a month

Gloucester County: $2,330 a month

Without a mortgage

$801 a month

Gloucester County: $1,066 a month

Owners with a mortgage

67%

Gloucester County: 68%

Owning costs less in Paulsboro: with a mortgage, the typical cost is $1,653 a month; in Gloucester County, $2,330. Without one, $801.

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, homes in Paulsboro gained value faster than in Gloucester County: 82% against 41%.

The typical rent in Paulsboro stayed about the same over that time: the difference is within the Census margin of error.

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

MeasurePaulsboroGloucester CountyNew JerseyUnited States
Rental vacancy Unreliable estimate3.9%3.5%5.5%
Homeowner vacancy Unreliable estimate0.5%0.7%0.9%
More than one person per room Unreliable estimate1.5%4.0%3.4%
People per household 2.582.672.622.53
Drive alone 82%75%62%69%
Carpool Unreliable estimate6%8%9%
Public transit Unreliable estimate1%8%3%
Walk or bike Unreliable estimate2%3%3%
Work from home Unreliable estimate15%17%15%
Other means Unreliable estimate1%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

Much as in Gloucester County, a household in Paulsboro has 2.58 people on average.

To get to work, 82% of workers in Paulsboro drive alone; in Gloucester County, 75%.

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 Paulsboro?

A typical home costs more than the typical income allows

We start with a typical home in Paulsboro, worth $202,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 37% of the typical household income in Paulsboro, which is $64,239 a year. For that payment to be 28% of income, a household would need to earn about $85,733 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Paulsboro. 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 $7,095 (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

$2,000

at 7.18% · 30 years

Loan amount
$199,028
Total interest
$286,355
Paid off in
November 2056

Includes $3,423 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,499 a month

  • Tight

    $1,499 to $1,927 a month

  • Hard

    more than $1,927 a month

    Your payment · 37%

Compared with the typical household income in Paulsboro ($64,239 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,000
Principal & interest$1,348
Property tax$478
Home insurance$85
FHA mortgage insurance (MIP)$90

You need at least $7,095 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

Paulsboro and Gloucester County

Paulsboro is in Gloucester 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).

Paulsboro's own numbers

Typical home value
$202,700
Typical monthly rent
$976
Typical yearly household income
$64,239
Households that own their home
62%
Effective property tax rate
2.83%

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

Numbers for all of Gloucester County

FHA limit, one-unit home
$630,200
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,860
Price change over 5 years (FHFA)
+73%
Homes in a high flood-risk zone
1.3%

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 Gloucester County.

Everything about Gloucester County

Buying

Buying a home in Paulsboro

A typical home in Paulsboro is worth $202,700: 35% below the county and 55% below New Jersey. With the typical household income in Paulsboro ($64,239 a year), a typical home costs 3.2 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.

  • Paulsboro 3.2 years
  • Gloucester 3.0 years
  • New Jersey 4.4 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Gloucester County

According to FHFA’s house price index, home prices in Gloucester County rose 96% in the 10 years through 2025.

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

Period County New Jersey U.S.
Last year (2025) +5.2% +6.2% +2.9%
5 years (2020–2025) +73% +63% +47%
10 years (2015–2025) +96% +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

Paulsboro next to Gloucester 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
  • Paulsboro $202,700
  • Gloucester $310,400
  • New Jersey $454,400
  • United States $332,700
Typical monthly rent
  • Paulsboro $976
  • Gloucester $1,531
  • New Jersey $1,720
  • United States $1,413
Typical yearly household income
  • Paulsboro $64,239
  • Gloucester $105,115
  • New Jersey $103,556
  • United States $80,734
See the full table
Paulsboro next to Gloucester County and New Jersey
Measure Paulsboro Gloucester County New Jersey U.S.
Typical home value $202,700 $310,400 $454,400 $332,700
Typical monthly rent $976 $1,531 $1,720 $1,413
Typical yearly household income $64,239 $105,115 $103,556 $80,734
Households that own their home 62% 80% 64% 65%
Typical yearly property tax $5,731 $8,055 $9,590 $3,119
Effective property tax rate 2.83% 2.6% 2.11% 0.94%
Renters with high rent for their income 70% 55% 52% 51%

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

For a typical $202,700 home in Paulsboro, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Paulsboro's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,000a month

    Least cash to close
    Down payment
    $7,095
    Cash to close
    $13,176
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $90

  • Conventional, 5% down $1,963a month

    Down payment
    $10,135
    Cash to close
    $16,216
    Rate
    7.18%
    Mortgage insurance
    PMI · $96

  • Conventional, 20% down, no PMI $1,661a month

    Down payment
    $40,540
    Cash to close
    $46,621
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,848a month

    Down payment
    $30,405
    Cash to close
    $36,486
    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 Paulsboro and for Gloucester County.

Property tax

Effective rate in Paulsboro

2.83%of the home’s value each year

$5,731 a year for the typical owner in Paulsboro.

  • Paulsboro 2.83%
  • Gloucester 2.6%
  • 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 Gloucester County

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

Homes in the high-risk zone
1.3%
1,148
Of those, with NFIP insurance
50%
County New Jersey U.S.
Homes in the high-risk zone 1.3% 6.7% 3.5%
Of those, with NFIP insurance 50% 63% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Paulsboro

Typical rent in Paulsboro is $976 a month: 36% below the county. In Paulsboro, 70% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Gloucester County, by unit size. To pay the 2-bedroom one ($1,860 a month) without spending more than 30% of your income, you would need to earn $35.77 an hour working full time.

HUD fair market rent for all of Gloucester 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 $1,438 $27.65 $57,520
1 bedroom $1,558 $29.96 $62,320
2 bedrooms $1,860 $35.77 $74,400
3 bedrooms $2,216 $42.62 $88,640
4 bedrooms $2,445 $47.02 $97,800

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 Paulsboro

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Paulsboro is in ZIP code 08066.

For 2 bedrooms it is $1,550: $310 less than the fair market rent for Gloucester County ($1,860).

  • 08066 $1,550$1,850

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

HUD lists one building with rents for lower incomes in Paulsboro.

  • Paulsboro Gardens 70 Baird Avenue, Paulsboro 08066 150 low-income homes · For families

See all 55 buildings in Gloucester County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Paulsboro

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 Gloucester County; none says it serves in Spanish.

Two women and a girl laugh together at the bus stop.

HUD counseling is free or low-cost

Assistance programs in Paulsboro

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

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

Housing counselors near Paulsboro

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

  • Financial Wellness Institute Inc

    3 S Broad St, Woodbury · 5 miles away

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

  • Neighborhood Housing Services of Camden, Inc

    601-603 Clinton Street, Camden · 9 miles away · Spanish

    Also serves in Vietnamese.

    • Budget and financial counseling
    • Fair housing pre-purchase workshops
    • and 5 more
    (856) 541-0720

  • Parkside Business and Community in Partnership, Inc.

    1487 Kenwood Avenue, Camden · 10 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 3 more
    856-964-0440-15

Every agency in Gloucester County All counseling agencies in New Jersey

Help in Spanish near Paulsboro

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 Paulsboro

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

  • Gloucester County Housing Authority Public housing and Section 8 vouchers (856) 845-4959

One other authority has an office in Gloucester County: see the list Source: HUD

Cities

Other cities in Gloucester County

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

Everything about Gloucester County Housing in New Jersey

Nearby cities

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

Neighboring counties

If Gloucester 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 Paulsboro.

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

Questions

Housing questions about Paulsboro

Short answers with the numbers for Paulsboro and all of Gloucester 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 Paulsboro?

The typical home value in Paulsboro is $202,700, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Gloucester County it is $310,400.

How much does it cost to rent in Paulsboro?

Typical rent in Paulsboro is $976 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Gloucester County is $1,860.

What is the FHA loan limit in Paulsboro?

Paulsboro uses the FHA limit for all of Gloucester County (2026): $630,200 for a one-unit home and $1,211,950 for a four-unit home.

How much property tax do owners pay in Paulsboro?

The typical homeowner in Paulsboro pays $5,731 a year, according to the U.S. Census Bureau. That is 2.83% of the home’s value; in Gloucester County, the rate is 2.6%.

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

There is 1 HUD-approved counseling agency with an office in Gloucester County. 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).