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City · 7,995 residents · Atlantic County, New Jersey

Pomona , New Jersey

In Pomona, a typical home is worth $279,000. Compared with all of Atlantic County, typical household income is 27% higher, the typical home value is 5% lower, and the share of households that own their home is 12 points higher.

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  • Typical home value

    $279,000

    5% below the county

    39% below New Jersey

    • Pomona
    • Atlantic
    • New Jersey

  • Typical household income

    $99,118a year

    27% above the county

    4% below New Jersey

    • Pomona
    • Atlantic
    • New Jersey

  • Households that own their home

    80%

    12 points above the county

    17 points above New Jersey

    • Pomona
    • Atlantic
    • New Jersey

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

Pomona 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 Pomona apart

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

  1. Nearby, in Pleasantville, the typical home value is $194,100: 30% less than in Pomona ($279,000).

  2. The typical household income in Pomona is $99,118, 27% more than in Atlantic County as a whole ($78,050).

  3. 80% of households in Pomona own their home, against 69% in Atlantic County.

  4. Pomona has the 22nd largest share of rent-burdened renters of the 249 cities in New Jersey with more than 5,000 people (65%).

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

The homes here

Housing in Pomona

What homes there are in Pomona, 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

In Pomona, 8 in 10 homes are single-family detached houses; in Atlantic County, 6.

Year built

The typical home in Pomona was built in 1996, 18 years after the typical one in Atlantic County.

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

$2,091 a month

Atlantic County: $2,185 a month

Without a mortgage

$941 a month

Atlantic County: $1,017 a month

Owners with a mortgage

64%

Atlantic County: 60%

The typical cost for an owner with a mortgage in Pomona is $2,091 a month, near the figure in Atlantic County ($2,185).

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 Pomona rose 38% since 2015–2019, about the same as in Atlantic County (35%).

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

MeasurePomonaAtlantic 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 3.072.472.622.53
Drive alone 74%73%62%69%
Carpool 17%9%8%9%
Public transit Unreliable estimate4%8%3%
Walk or bike Unreliable estimate3%3%3%
Work from home 7%9%17%15%
Other means Unreliable estimate2%2%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

On average, a household in Pomona has 3.07 people, more than in Atlantic County (2.47).

Carpooling is common in Pomona: 17% of workers get to work that way, against 9% in Atlantic County.

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 Pomona?

A typical home is tight for the typical income

We start with a typical home in Pomona, worth $279,000, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 32% of the typical household income in Pomona, which is $99,118 a year. For that payment to be 28% of income, a household would need to earn about $112,125 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 Pomona. 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 $9,765 (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

$2,616

at 7.18% · 30 years

Loan amount
$273,947
Total interest
$394,145
Paid off in
November 2056

Includes $4,712 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,313 a month

  • Tight

    $2,313 to $2,974 a month

    Your payment · 32%

  • Hard

    more than $2,974 a month

Compared with the typical household income in Pomona ($99,118 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,616
Principal & interest$1,856
Property tax$521
Home insurance$116
FHA mortgage insurance (MIP)$123

You need at least $9,765 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

Pomona and Atlantic County

Pomona 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).

Pomona's own numbers

Typical home value
$279,000
Typical yearly household income
$99,118
Households that own their home
80%
Effective property tax rate
2.24%

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 Pomona

A typical home in Pomona is worth $279,000: 5% below the county and 39% below New Jersey. With the typical household income in Pomona ($99,118 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.

  • Pomona 2.8 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

Pomona 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
  • Pomona $279,000
  • Atlantic $295,000
  • New Jersey $454,400
  • United States $332,700
Typical yearly household income
  • Pomona $99,118
  • Atlantic $78,050
  • New Jersey $103,556
  • United States $80,734
See the full table
Pomona next to Atlantic County and New Jersey
Measure Pomona Atlantic County New Jersey U.S.
Typical home value $279,000 $295,000 $454,400 $332,700
Typical yearly household income $99,118 $78,050 $103,556 $80,734
Households that own their home 80% 69% 64% 65%
Typical yearly property tax $6,243 $6,776 $9,590 $3,119
Effective property tax rate 2.24% 2.3% 2.11% 0.94%
Renters with high rent for their income 65% 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 Pomona

For a typical $279,000 home in Pomona, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Pomona's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,616a month

    Least cash to close
    Down payment
    $9,765
    Cash to close
    $18,135
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $123

  • Conventional, 5% down $2,565a month

    Down payment
    $13,950
    Cash to close
    $22,320
    Rate
    7.18%
    Mortgage insurance
    PMI · $133

  • Conventional, 20% down, no PMI $2,149a month

    Down payment
    $55,800
    Cash to close
    $64,170
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,407a month

    Down payment
    $41,850
    Cash to close
    $50,220
    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 Pomona and for Atlantic County.

Property tax

Effective rate in Pomona

2.24%of the home’s value each year

$6,243 a year for the typical owner in Pomona.

  • Pomona 2.24%
  • 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 Pomona

The Census Bureau publishes no typical rent for Pomona. Below are the fair market rents for Atlantic County. In Pomona, 65% 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 Pomona

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

For 2 bedrooms it runs from $2,120 in 08205 to $2,240 in 08215.

2 of the 2 are above the fair market rent for Atlantic County ($1,899).

  • 08205 $2,120$2,880
  • 08215 $2,240$3,020

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

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.

An older man and his daughter go over papers with a professional.

HUD counseling is free or low-cost

Assistance programs in Pomona

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

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

Housing counselors near Pomona

The HUD-approved agencies closest to the center of Pomona, 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 · 18 miles away · Spanish

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

  • Ocean, Inc. (ocean Community Economic Action Now, Inc.)

    40 Main St, Toms River · 38 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 6 more
    732-244-5333-1108

  • Operation Hope- Camden NJ Branch

    533 Fellowship Rd, Mount Laurel · 39 miles away

    (267) 539-8535

Every agency in Atlantic County All counseling agencies in New Jersey

Help in Spanish near Pomona

2 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 Pomona

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

All guides
A mother and her daughters smile together on a mountain trail with a snowy peak behind them.

Questions

Housing questions about Pomona

Short answers with the numbers for Pomona 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 Pomona?

The typical home value in Pomona is $279,000, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Atlantic County it is $295,000.

What is the FHA loan limit in Pomona?

Pomona 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 Pomona?

The typical homeowner in Pomona pays $6,243 a year, according to the U.S. Census Bureau. That is 2.24% of the home’s value; in Atlantic County, the rate is 2.3%.

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

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).