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City · 10,802 residents · Camden County, New Jersey

Pine Hill , New Jersey

In Pine Hill, a typical home is worth $204,600 and typical rent is $1,411 a month. Compared with all of Camden County, the typical home value is 29% lower, typical household income is 18% lower, and the share of households that own their home is 5 points lower.

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  • Typical home value

    $204,600

    29% below the county

    55% below New Jersey

    • Pine Hill
    • Camden
    • New Jersey

  • Typical rent

    $1,411a month

    About the same as the county

    18% below New Jersey

    • Pine Hill
    • Camden
    • New Jersey

  • Typical household income

    $72,588a year

    18% below the county

    30% below New Jersey

    • Pine Hill
    • Camden
    • New Jersey

  • Households that own their home

    59%

    5 points below the county

    5 points below New Jersey

    • Pine Hill
    • Camden
    • New Jersey

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

Market now, with Zillow data

Zillow data
Typical home value
$283,444
4.2% more than 12 months ago
Typical rent
$2,675 a month

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

Pine Hill is in Camden 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 Camden County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Pine Hill apart

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

  1. Pine Hill has the 13th lowest typical home value of the 293 cities in New Jersey with more than 5,000 people ($204,600).

  2. Nearby, in Clementon, the typical rent is $1,169: 17% less than in Pine Hill ($1,411).

  3. Nearby, in Lindenwold, the typical home value is $173,600: 15% less than in Pine Hill ($204,600).

  4. The typical household income in Pine Hill is $72,588, 18% less than in Camden County as a whole ($88,755).

  5. 59% of households in Pine Hill own their home, against 65% in Camden County.

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

The homes here

Housing in Pine Hill

What homes there are in Pine Hill, 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

No kind of home is the majority in Pine Hill; the largest group, detached houses, adds up to 45%, less than in Camden County (55%).

Year built

Here half of the homes date from 1977 or later; in Camden County, from 1967 or later.

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

$1,857 a month

Camden County: $2,225 a month

Without a mortgage

$1,017 a month

Camden County: $1,115 a month

Owners with a mortgage

80%

Camden County: 65%

In Pine Hill, 80% of owners have a mortgage, and their typical cost is $1,857 a month, against $2,225 in Camden County. Without one it drops to $1,017.

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

From 2015–2019 to 2020–2024, the typical home value in Pine Hill rose 50%; in Camden County, it rose 45%.

Rents in Pine Hill rose faster than in Camden County: 38% since 2015–2019, against 30%.

The typical household income in Pine Hill rose 30%: less than home values (+50%) 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

MeasurePine HillCamden CountyNew JerseyUnited States
Rental vacancy Unreliable estimate3.7%3.5%5.5%
Homeowner vacancy Unreliable estimate0.6%0.7%0.9%
More than one person per room Unreliable estimate2.7%4.0%3.4%
People per household 2.402.572.622.53
Drive alone 77%68%62%69%
Carpool 6%9%8%9%
Public transit Unreliable estimate5%8%3%
Walk or bike Unreliable estimate2%3%3%
Work from home 10%16%17%15%
Other means Unreliable estimate2%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

Fewer people live in each home here: 2.40 on average, against 2.57 in Camden County.

In Pine Hill, 77% of workers drive alone to work; in Camden County, 68%.

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 Pine Hill?

A typical home is tight for the typical income

We start with a typical home in Pine Hill, worth $204,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 35% of the typical household income in Pine Hill, which is $72,588 a year. For that payment to be 28% of income, a household would need to earn about $89,825 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Pine Hill. 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 $7,161 (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

$2,096

at 7.18% · 30 years

Loan amount
$200,894
Total interest
$289,040
Paid off in
November 2056

Includes $3,455 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,694 a month

  • Tight

    $1,694 to $2,178 a month

    Your payment · 35%

  • Hard

    more than $2,178 a month

Compared with the typical household income in Pine Hill ($72,588 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,096
Principal & interest$1,361
Property tax$559
Home insurance$85
FHA mortgage insurance (MIP)$90

You need at least $7,161 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

Pine Hill and Camden County

Pine Hill is in Camden 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).

Pine Hill's own numbers

Typical home value
$204,600
Typical monthly rent
$1,411
Typical yearly household income
$72,588
Households that own their home
59%
Effective property tax rate
3.28%

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

Numbers for all of Camden 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)
+74%
Homes in a high flood-risk zone
1.8%

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 Camden County.

Everything about Camden County

Buying

Buying a home in Pine Hill

A typical home in Pine Hill is worth $204,600: 29% below the county and 55% below New Jersey. With the typical household income in Pine Hill ($72,588 a year), a typical home costs 2.8 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.

  • Pine Hill 2.8 years
  • Camden 3.2 years
  • New Jersey 4.4 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Camden County

According to FHFA’s house price index, home prices in Camden County rose 106% in the 10 years through 2025.

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

Period County New Jersey U.S.
Last year (2025) +5.8% +6.2% +2.9%
5 years (2020–2025) +74% +63% +47%
10 years (2015–2025) +106% +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

Pine Hill next to Camden 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
  • Pine Hill $204,600
  • Camden $287,100
  • New Jersey $454,400
  • United States $332,700
Typical monthly rent
  • Pine Hill $1,411
  • Camden $1,402
  • New Jersey $1,720
  • United States $1,413
Typical yearly household income
  • Pine Hill $72,588
  • Camden $88,755
  • New Jersey $103,556
  • United States $80,734
See the full table
Pine Hill next to Camden County and New Jersey
Measure Pine Hill Camden County New Jersey U.S.
Typical home value $204,600 $287,100 $454,400 $332,700
Typical monthly rent $1,411 $1,402 $1,720 $1,413
Typical yearly household income $72,588 $88,755 $103,556 $80,734
Households that own their home 59% 65% 64% 65%
Typical yearly property tax $6,713 $8,134 $9,590 $3,119
Effective property tax rate 3.28% 2.83% 2.11% 0.94%
Renters with high rent for their income 57% 55% 52% 51%

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

For a typical $204,600 home in Pine Hill, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Pine Hill's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,096a month

    Least cash to close
    Down payment
    $7,161
    Cash to close
    $13,299
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $90

  • Conventional, 5% down $2,058a month

    Down payment
    $10,230
    Cash to close
    $16,368
    Rate
    7.18%
    Mortgage insurance
    PMI · $97

  • Conventional, 20% down, no PMI $1,753a month

    Down payment
    $40,920
    Cash to close
    $47,058
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,942a month

    Down payment
    $30,690
    Cash to close
    $36,828
    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 Pine Hill and for Camden County.

Property tax

Effective rate in Pine Hill

3.28%of the home’s value each year

$6,713 a year for the typical owner in Pine Hill.

  • Pine Hill 3.28%
  • Camden 2.83%
  • 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 Camden County

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

Homes in the high-risk zone
1.8%
2,774
Of those, with NFIP insurance
34%
County New Jersey U.S.
Homes in the high-risk zone 1.8% 6.7% 3.5%
Of those, with NFIP insurance 34% 63% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Pine Hill

Typical rent in Pine Hill is $1,411 a month: about the same as the county. In Pine Hill, 57% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Camden 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 Camden 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 Pine Hill

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Pine Hill has 2 ZIP codes with their own.

For 2 bedrooms it runs from $1,840 in 08009 to $1,930 in 08021.

1 of the 2 is above the fair market rent for Camden County ($1,860).

  • 08009 $1,840$2,190
  • 08021 $1,930$2,300

2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Pine Hill 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 Pine Hill

HUD lists one building with rents for lower incomes in Pine Hill.

  • Mansions 220 W Branch Ave, Pine Hill 08021 360 low-income homes · For families (856) 627-3300

See all 188 buildings in Camden County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Pine Hill

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 4 HUD-approved agencies with an office in Camden County; 2 say they serve in Spanish.

A man listens closely, seated at a meeting table.

HUD counseling is free or low-cost

Assistance programs in Pine Hill

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

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

Housing counselors near Pine Hill

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

  • CCCS of Delaware Valley, Inc. DBA Clarifi

    1060 Kings Highway North, Cherry Hill · 10 miles away

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

  • Financial Wellness Institute Inc

    3 S Broad St, Woodbury · 10 miles away

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

  • Operation Hope- Camden NJ Branch

    533 Fellowship Rd, Mount Laurel · 10 miles away

    (267) 539-8535

Every agency in Camden County All counseling agencies in New Jersey

Help in Spanish near Pine Hill

None 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 Pine Hill

In HUD’s record, no housing authority with an office in Camden County is named for Pine Hill or Camden County.

5 other authorities have an office in Camden County: see the list Source: HUD

Cities

Other cities in Camden County

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

Everything about Camden County Housing in New Jersey
See 13 more cities in Camden County, with prices and rents

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

Nearby cities

The cities closest to Pine Hill, with the typical home value.

Neighboring counties

If Camden 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 Pine Hill.

All guides
A smiling girl holds up a small mushroom she found on a forest outing.

Questions

Housing questions about Pine Hill

Short answers with the numbers for Pine Hill and all of Camden 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 Pine Hill?

The typical home value in Pine Hill is $204,600, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Camden County it is $287,100.

How much does it cost to rent in Pine Hill?

Typical rent in Pine Hill is $1,411 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Camden County is $1,860.

What is the FHA loan limit in Pine Hill?

Pine Hill uses the FHA limit for all of Camden 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 Pine Hill?

The typical homeowner in Pine Hill pays $6,713 a year, according to the U.S. Census Bureau. That is 3.28% of the home’s value; in Camden County, the rate is 2.83%.

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

There are 4 HUD-approved counseling agencies with an office in Camden County. 2 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).