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City · 24,473 residents · Middlesex County, New Jersey

South Plainfield , New Jersey

In South Plainfield, a typical home is worth $470,900 and typical rent is $2,107 a month. Compared with all of Middlesex County, typical household income is 17% higher, typical rent is 13% higher, and the share of households that own their home is 22 points higher.

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  • Typical home value

    $470,900

    About the same as the county

    4% above New Jersey

    • South Plainfield
    • Middlesex
    • New Jersey

  • Typical rent

    $2,107a month

    13% above the county

    23% above New Jersey

    • South Plainfield
    • Middlesex
    • New Jersey

  • Typical household income

    $130,239a year

    17% above the county

    26% above New Jersey

    • South Plainfield
    • Middlesex
    • New Jersey

  • Households that own their home

    86%

    22 points above the county

    22 points above New Jersey

    • South Plainfield
    • Middlesex
    • New Jersey

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

Market now, with Zillow data

Zillow data
Typical home value
$580,955
4.6% more than 12 months ago
Typical rent
$2,651 a month

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

South Plainfield is in Middlesex County. The FHA loan limit ($1,249,125 for a one-unit home), the fair market rents and the help on this page are those of all of Middlesex County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets South Plainfield apart

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

  1. 86% of households in South Plainfield own their home, against 64% in Middlesex County.

  2. Nearby, in Middlesex, the typical rent is $1,416: 33% less than in South Plainfield ($2,107).

  3. Nearby, in North Plainfield, the typical home value is $374,700: 20% less than in South Plainfield ($470,900).

  4. The typical household income in South Plainfield is $130,239, 17% more than in Middlesex County as a whole ($111,549).

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

The homes here

Housing in South Plainfield

What homes there are in South Plainfield, 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, standing on their own, make up 79% of homes here, against 52% in Middlesex County.

Year built

In South Plainfield, half of the homes were built before 1964; in Middlesex County, before 1974.

There is more room for a big family here: 79% of homes have 3 bedrooms or more, against 56% in Middlesex 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

$2,794 a month

Middlesex County: $2,877 a month

Without a mortgage

$1,124 a month

Middlesex County: $1,242 a month

Owners with a mortgage

68%

Middlesex County: 63%

Owning costs about the same in South Plainfield as in Middlesex County: with a mortgage, $2,794 a month; without one, $1,124.

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 South Plainfield rose 38% since 2015–2019, more than in Middlesex County (35%).

Since 2015–2019, the typical rent in South Plainfield rose 24%, less than in Middlesex County (27%).

To compare: typical income in South Plainfield rose 28%; the home, +38%; the rent, +24%.

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

MeasureSouth PlainfieldMiddlesex CountyNew JerseyUnited States
Rental vacancy Unreliable estimate2.4%3.5%5.5%
Homeowner vacancy Unreliable estimate0.4%0.7%0.9%
More than one person per room Unreliable estimate5.5%4.0%3.4%
People per household 2.902.752.622.53
Drive alone 72%61%62%69%
Carpool 8%8%8%9%
Public transit 2%6%8%3%
Walk or bike Unreliable estimate3%3%3%
Work from home 16%18%17%15%
Other means Unreliable estimate4%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

On average, a household in South Plainfield has 2.90 people, more than in Middlesex County (2.75).

In South Plainfield, 72% of workers drive alone to work; in Middlesex County, 61%.

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 South Plainfield?

A typical home costs more than the typical income allows

We start with a typical home in South Plainfield, worth $470,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 39% of the typical household income in South Plainfield, which is $130,239 a year. For that payment to be 28% of income, a household would need to earn about $182,351 a year.

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

Your numbers

Local data
$

Starts at the typical home value in South Plainfield. 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 $16,482 (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

$4,255

at 7.18% · 30 years

Loan amount
$462,370
Total interest
$665,242
Paid off in
November 2056

Includes $7,952 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $3,039 a month

  • Tight

    $3,039 to $3,907 a month

  • Hard

    more than $3,907 a month

    Your payment · 39%

Compared with the typical household income in South Plainfield ($130,239 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$4,255
Principal & interest$3,132
Property tax$718
Home insurance$196
FHA mortgage insurance (MIP)$208

You need at least $16,482 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

South Plainfield and Middlesex County

South Plainfield is in Middlesex 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).

South Plainfield's own numbers

Typical home value
$470,900
Typical monthly rent
$2,107
Typical yearly household income
$130,239
Households that own their home
86%
Effective property tax rate
1.83%

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

Numbers for all of Middlesex County

FHA limit, one-unit home
$1,249,125
Conventional limit, one unit
$1,209,750
HUD fair market rent, 2 bedrooms
$2,623
Price change over 5 years (FHFA)
+62%
Homes in a high flood-risk zone
1.1%

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 Middlesex County.

Everything about Middlesex County

Buying

Buying a home in South Plainfield

A typical home in South Plainfield is worth $470,900: about the same as the county and 4% above New Jersey. With the typical household income in South Plainfield ($130,239 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.

  • South Plainfield 3.6 years
  • Middlesex 4.1 years
  • New Jersey 4.4 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Middlesex County

According to FHFA’s house price index, home prices in Middlesex County rose 89% in the 10 years through 2025.

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

Period County New Jersey U.S.
Last year (2025) +6.1% +6.2% +2.9%
5 years (2020–2025) +62% +63% +47%
10 years (2015–2025) +89% +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

South Plainfield next to Middlesex 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
  • South Plainfield $470,900
  • Middlesex $462,900
  • New Jersey $454,400
  • United States $332,700
Typical monthly rent
  • South Plainfield $2,107
  • Middlesex $1,871
  • New Jersey $1,720
  • United States $1,413
Typical yearly household income
  • South Plainfield $130,239
  • Middlesex $111,549
  • New Jersey $103,556
  • United States $80,734
See the full table
South Plainfield next to Middlesex County and New Jersey
Measure South Plainfield Middlesex County New Jersey U.S.
Typical home value $470,900 $462,900 $454,400 $332,700
Typical monthly rent $2,107 $1,871 $1,720 $1,413
Typical yearly household income $130,239 $111,549 $103,556 $80,734
Households that own their home 86% 64% 64% 65%
Typical yearly property tax $8,596 $9,712 $9,590 $3,119
Effective property tax rate 1.83% 2.1% 2.11% 0.94%
Renters with high rent for their income 50% 48% 52% 51%

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

For a typical $470,900 home in South Plainfield, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, South Plainfield's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $4,255a month

    Least cash to close
    Down payment
    $16,482
    Cash to close
    $30,609
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $208

  • Conventional, 5% down $4,169a month

    Down payment
    $23,545
    Cash to close
    $37,672
    Rate
    7.18%
    Mortgage insurance
    PMI · $224

  • Conventional, 20% down, no PMI $3,466a month

    Down payment
    $94,180
    Cash to close
    $108,307
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,902a month

    Down payment
    $70,635
    Cash to close
    $84,762
    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 South Plainfield and for Middlesex County.

Property tax

Effective rate in South Plainfield

1.83%of the home’s value each year

$8,596 a year for the typical owner in South Plainfield.

  • South Plainfield 1.83%
  • Middlesex 2.1%
  • 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 Middlesex County

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

Homes in the high-risk zone
1.1%
2,391
Of those, with NFIP insurance
54%
County New Jersey U.S.
Homes in the high-risk zone 1.1% 6.7% 3.5%
Of those, with NFIP insurance 54% 63% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in South Plainfield

Typical rent in South Plainfield is $2,107 a month: 13% above the county. In South Plainfield, 50% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Middlesex County, by unit size. To pay the 2-bedroom one ($2,623 a month) without spending more than 30% of your income, you would need to earn $50.44 an hour working full time.

HUD fair market rent for all of Middlesex 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 $1,953 $37.56 $78,120
1 bedroom $2,103 $40.44 $84,120
2 bedrooms $2,623 $50.44 $104,920
3 bedrooms $3,125 $60.10 $125,000
4 bedrooms $3,508 $67.46 $140,320

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 South Plainfield

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). South Plainfield is in ZIP code 07080.

For 2 bedrooms it is $2,760: $137 more than the fair market rent for Middlesex County ($2,623).

  • 07080 $2,760$3,290

A ZIP code counts for South Plainfield 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 South Plainfield

HUD lists 3 buildings with rents for lower incomes in South Plainfield. These are the largest.

  • South Plainfield Senior Housing 151 Morris Ave, South Plainfield 100 low-income homes · 1 bd: 72 · 2 bd: 28 · In service since 2002 · For older adults
  • South Plainfield Consumer Home 1137 Foster Ave, South Plainfield 07080 4 homes, 3 low-income · For people with disabilities
  • South Plainfield Senior Housing #554 151 Morris Ave, South Plainfield 07080 100 homes · In service since 2012

See all 123 buildings in Middlesex County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in South Plainfield

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

A man shakes hands with the specialist who helped him with his loan, in the kitchen of his new home.

HUD counseling is free or low-cost

Assistance programs in South Plainfield

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

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

Housing counselors near South Plainfield

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

  • The Housing Authority of the City of Perth Amboy

    881 Amboy Avenue, Perth Amboy · 8 miles away · Spanish

    Also serves in other languages.

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    732-826-3110-631

  • Puerto Rican Association for Human Development, Inc.

    100 1st St, Perth Amboy · 9 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 6 more
    (732) 638-2824

  • NEIGHBORHOODS FOR A SUSTAINABLE FUTURE fka NHS of Staten Island

    1120 E Saint Georges Ave, Linden · 10 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 3 more
    (908) 808-4035

Every agency in Middlesex County All counseling agencies in New Jersey

Help in Spanish near South Plainfield

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 South Plainfield

In HUD’s record, no housing authority with an office in Middlesex County is named for South Plainfield or Middlesex County.

9 other authorities have an office in Middlesex County: see the list Source: HUD

Cities

Other cities in Middlesex County

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

Everything about Middlesex County Housing in New Jersey
See 15 more cities in Middlesex County, with prices and rents

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

Nearby cities

The cities closest to South Plainfield, with the typical home value.

Neighboring counties

If Middlesex 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 South Plainfield.

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

Questions

Housing questions about South Plainfield

Short answers with the numbers for South Plainfield and all of Middlesex 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 South Plainfield?

The typical home value in South Plainfield is $470,900, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Middlesex County it is $462,900.

How much does it cost to rent in South Plainfield?

Typical rent in South Plainfield is $2,107 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Middlesex County is $2,623.

What is the FHA loan limit in South Plainfield?

South Plainfield uses the FHA limit for all of Middlesex County (2026): $1,249,125 for a one-unit home and $2,402,625 for a four-unit home.

How much property tax do owners pay in South Plainfield?

The typical homeowner in South Plainfield pays $8,596 a year, according to the U.S. Census Bureau. That is 1.83% of the home’s value; in Middlesex County, the rate is 2.1%.

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

There are 3 HUD-approved counseling agencies with an office in Middlesex 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).