Español

Este sitio también está en español. Leer en español

City · 9,545 residents · Atlantic County, New Jersey

Smithville , New Jersey

In Smithville, a typical home is worth $279,200 and typical rent is $1,507 a month. Compared with all of Atlantic County, typical rent is 10% higher, the typical home value is 5% lower, and the share of households that own their home is 9 points higher.

WhatsApp

  • Typical home value

    $279,200

    5% below the county

    39% below New Jersey

    • Smithville
    • Atlantic
    • New Jersey

  • Typical rent

    $1,507a month

    10% above the county

    12% below New Jersey

    • Smithville
    • Atlantic
    • New Jersey

  • Typical household income

    $77,579a year

    About the same as the county

    25% below New Jersey

    • Smithville
    • Atlantic
    • New Jersey

  • Households that own their home

    78%

    9 points above the county

    14 points above New Jersey

    • Smithville
    • Atlantic
    • New Jersey

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

Smithville 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 Smithville 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 Smithville ($279,200).

  2. 78% of households in Smithville own their home, against 69% in Atlantic County.

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

The homes here

Housing in Smithville

What homes there are in Smithville, 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 Smithville (51%), but less so than in Atlantic County (58%).

Year built

Here half of the homes date from 1989 or later; in Atlantic County, from 1978 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

$1,888 a month

Atlantic County: $2,185 a month

Without a mortgage

$996 a month

Atlantic County: $1,017 a month

Owners with a mortgage

61%

Atlantic County: 60%

Owning costs less in Smithville: with a mortgage, the typical cost is $1,888 a month; in Atlantic County, $2,185. Without one, $996.

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 Census does not compare Smithville with 2015–2019 because its boundaries changed. In Atlantic County, over that time, the typical home value rose 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

MeasureSmithvilleAtlantic 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 1.962.472.622.53
Drive alone 82%73%62%69%
Carpool Unreliable estimate9%8%9%
Public transit Unreliable estimate4%8%3%
Walk or bike Unreliable estimate3%3%3%
Work from home Unreliable estimate9%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 Smithville has 1.96 people, fewer than in Atlantic County (2.47).

To get to work, 82% of workers in Smithville drive alone; in Atlantic County, 73%.

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 Smithville?

A typical home costs more than the typical income allows

We start with a typical home in Smithville, worth $279,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 40% of the typical household income in Smithville, which is $77,579 a year. For that payment to be 28% of income, a household would need to earn about $111,209 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 Smithville. 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 $9,772 (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

$2,595

at 7.18% · 30 years

Loan amount
$274,143
Total interest
$394,427
Paid off in
November 2056

Includes $4,715 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,810 a month

  • Tight

    $1,810 to $2,327 a month

  • Hard

    more than $2,327 a month

    Your payment · 40%

Compared with the typical household income in Smithville ($77,579 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,595
Principal & interest$1,857
Property tax$498
Home insurance$116
FHA mortgage insurance (MIP)$123

You need at least $9,772 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

Smithville and Atlantic County

Smithville 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).

Smithville's own numbers

Typical home value
$279,200
Typical monthly rent
$1,507
Typical yearly household income
$77,579
Households that own their home
78%
Effective property tax rate
2.14%

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 Smithville

A typical home in Smithville is worth $279,200: 5% below the county and 39% below New Jersey. With the typical household income in Smithville ($77,579 a year), a typical home costs 3.6 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.

  • Smithville 3.6 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

Smithville 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
  • Smithville $279,200
  • Atlantic $295,000
  • New Jersey $454,400
  • United States $332,700
Typical monthly rent
  • Smithville $1,507
  • Atlantic $1,376
  • New Jersey $1,720
  • United States $1,413
Typical yearly household income
  • Smithville $77,579
  • Atlantic $78,050
  • New Jersey $103,556
  • United States $80,734
See the full table
Smithville next to Atlantic County and New Jersey
Measure Smithville Atlantic County New Jersey U.S.
Typical home value $279,200 $295,000 $454,400 $332,700
Typical monthly rent $1,507 $1,376 $1,720 $1,413
Typical yearly household income $77,579 $78,050 $103,556 $80,734
Households that own their home 78% 69% 64% 65%
Typical yearly property tax $5,983 $6,776 $9,590 $3,119
Effective property tax rate 2.14% 2.3% 2.11% 0.94%
Renters with high rent for their income 57% 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 Smithville

For a typical $279,200 home in Smithville, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Smithville's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,595a month

    Least cash to close
    Down payment
    $9,772
    Cash to close
    $18,148
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $123

  • Conventional, 5% down $2,544a month

    Down payment
    $13,960
    Cash to close
    $22,336
    Rate
    7.18%
    Mortgage insurance
    PMI · $133

  • Conventional, 20% down, no PMI $2,127a month

    Down payment
    $55,840
    Cash to close
    $64,216
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,385a month

    Down payment
    $41,880
    Cash to close
    $50,256
    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 Smithville and for Atlantic County.

Property tax

Effective rate in Smithville

2.14%of the home’s value each year

$5,983 a year for the typical owner in Smithville.

  • Smithville 2.14%
  • 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 Smithville

Typical rent in Smithville is $1,507 a month: 10% above the county. In Smithville, 57% 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 Smithville

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Smithville is in ZIP code 08205.

For 2 bedrooms it is $2,120: $221 more than the fair market rent for Atlantic County ($1,899).

  • 08205 $2,120$2,880

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

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.

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

HUD counseling is free or low-cost

Assistance programs in Smithville

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

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

Housing counselors near Smithville

The HUD-approved agencies closest to the center of Smithville, 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 · 20 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 · 35 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 · 40 miles away

    (267) 539-8535

Every agency in Atlantic County All counseling agencies in New Jersey

Help in Spanish near Smithville

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 Smithville

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

All guides
Two parents walk hand in hand with their little daughter.

Questions

Housing questions about Smithville

Short answers with the numbers for Smithville 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 Smithville?

The typical home value in Smithville is $279,200, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Atlantic County it is $295,000.

How much does it cost to rent in Smithville?

Typical rent in Smithville is $1,507 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Atlantic County is $1,899.

What is the FHA loan limit in Smithville?

Smithville 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 Smithville?

The typical homeowner in Smithville pays $5,983 a year, according to the U.S. Census Bureau. That is 2.14% of the home’s value; in Atlantic County, the rate is 2.3%.

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

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).