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City · 5,707 residents · Monmouth County, New Jersey

Union Beach , New Jersey

In Union Beach, a typical home is worth $460,900 and typical rent is $2,567 a month. Compared with all of Monmouth County, typical rent is 41% higher, the typical home value is 24% lower, and the share of households that own their home is 6 points higher.

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  • Typical home value

    $460,900

    24% below the county

    About the same as New Jersey

    • Union Beach
    • Monmouth
    • New Jersey

  • Typical rent

    $2,567a month

    41% above the county

    49% above New Jersey

    • Union Beach
    • Monmouth
    • New Jersey

  • Typical household income

    $119,250a year

    4% below the county

    15% above New Jersey

    • Union Beach
    • Monmouth
    • New Jersey

  • Households that own their home

    82%

    6 points above the county

    18 points above New Jersey

    • Union Beach
    • Monmouth
    • New Jersey

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

Market now, with Zillow data

Zillow data
Typical home value
$545,601
5.6% more than 12 months ago

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

Union Beach is in Monmouth 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 Monmouth County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Union Beach apart

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

  1. Union Beach has the 2nd largest share of rent-burdened renters of the 249 cities in New Jersey with more than 5,000 people (80%).

  2. Nearby, in Keyport, the typical rent is $1,458: 43% less than in Union Beach ($2,567).

  3. The typical rent in Union Beach is $2,567 a month, 41% more than in Monmouth County as a whole ($1,827).

  4. Nearby, in Laurence Harbor, the typical home value is $306,700: 33% less than in Union Beach ($460,900).

  5. The typical home in Union Beach is worth $460,900, 24% less than in Monmouth County as a whole ($606,100).

  6. 82% of households in Union Beach own their home, against 76% in Monmouth County.

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

The homes here

Housing in Union Beach

What homes there are in Union Beach, 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 Union Beach, 10 in 10 homes are single-family detached houses; in Monmouth County, 7.

Year built

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

$2,363 a month

Monmouth County: $3,070 a month

Without a mortgage

$1,206 a month

Monmouth County: $1,342 a month

Owners with a mortgage

76%

Monmouth County: 64%

Owning costs less in Union Beach: with a mortgage, the typical cost is $2,363 a month; in Monmouth County, $3,070. Without one, $1,206.

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 Union Beach rose 72%; in Monmouth County, it rose 44%.

The typical rent in Union Beach rose 51% over the same time; in Monmouth County, it rose 31%.

Housing prices ran ahead of income in Union Beach: typical income rose 36%, against +72% for home values and +51% for rent.

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

MeasureUnion BeachMonmouth CountyNew JerseyUnited States
Rental vacancy Unreliable estimate4.2%3.5%5.5%
Homeowner vacancy Unreliable estimate0.7%0.7%0.9%
More than one person per room Unreliable estimate1.9%4.0%3.4%
People per household 2.592.542.622.53
Drive alone 75%65%62%69%
Carpool Unreliable estimate8%8%9%
Public transit Unreliable estimate5%8%3%
Walk or bike Unreliable estimate2%3%3%
Work from home Unreliable estimate19%17%15%
Other means Unreliable estimate2%2%2%
Typical commute 30 to 39 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

A household in Union Beach has 2.59 people on average, about the same as in Monmouth County (2.54).

In Union Beach, 75% of workers drive alone to work; in Monmouth County, 65%.

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 Union Beach?

A typical home costs more than the typical income allows

We start with a typical home in Union Beach, worth $460,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 43% of the typical household income in Union Beach, which is $119,250 a year. For that payment to be 28% of income, a household would need to earn about $182,594 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Union Beach. 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 $16,132 (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

$4,261

at 7.18% · 30 years

Loan amount
$452,551
Total interest
$651,115
Paid off in
November 2056

Includes $7,783 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,783 a month

  • Tight

    $2,783 to $3,578 a month

  • Hard

    more than $3,578 a month

    Your payment · 43%

Compared with the typical household income in Union Beach ($119,250 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$4,261
Principal & interest$3,066
Property tax$799
Home insurance$192
FHA mortgage insurance (MIP)$204

You need at least $16,132 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

Union Beach and Monmouth County

Union Beach is in Monmouth 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).

Union Beach's own numbers

Typical home value
$460,900
Typical monthly rent
$2,567
Typical yearly household income
$119,250
Households that own their home
82%
Effective property tax rate
2.08%

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

Numbers for all of Monmouth County

FHA limit, one-unit home
$1,249,125
Conventional limit, one unit
$1,209,750
HUD fair market rent, 2 bedrooms
$2,283
Price change over 5 years (FHFA)
+64%
Homes in a high flood-risk zone
7.4%

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 Monmouth County.

Everything about Monmouth County

Buying

Buying a home in Union Beach

A typical home in Union Beach is worth $460,900: 24% below the county and about the same as New Jersey. With the typical household income in Union Beach ($119,250 a year), a typical home costs 3.9 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.

  • Union Beach 3.9 years
  • Monmouth 4.9 years
  • New Jersey 4.4 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Monmouth County

According to FHFA’s house price index, home prices in Monmouth County rose 94% in the 10 years through 2025.

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

Period County New Jersey U.S.
Last year (2025) +6.2% +6.2% +2.9%
5 years (2020–2025) +64% +63% +47%
10 years (2015–2025) +94% +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

Union Beach next to Monmouth 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
  • Union Beach $460,900
  • Monmouth $606,100
  • New Jersey $454,400
  • United States $332,700
Typical monthly rent
  • Union Beach $2,567
  • Monmouth $1,827
  • New Jersey $1,720
  • United States $1,413
Typical yearly household income
  • Union Beach $119,250
  • Monmouth $124,845
  • New Jersey $103,556
  • United States $80,734
See the full table
Union Beach next to Monmouth County and New Jersey
Measure Union Beach Monmouth County New Jersey U.S.
Typical home value $460,900 $606,100 $454,400 $332,700
Typical monthly rent $2,567 $1,827 $1,720 $1,413
Typical yearly household income $119,250 $124,845 $103,556 $80,734
Households that own their home 82% 76% 64% 65%
Typical yearly property tax $9,573 $10,001 $9,590 $3,119
Effective property tax rate 2.08% 1.65% 2.11% 0.94%
Renters with high rent for their income 80% 53% 52% 51%

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

For a typical $460,900 home in Union Beach, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Union Beach's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $4,261a month

    Least cash to close
    Down payment
    $16,132
    Cash to close
    $29,959
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $204

  • Conventional, 5% down $4,176a month

    Down payment
    $23,045
    Cash to close
    $36,872
    Rate
    7.18%
    Mortgage insurance
    PMI · $219

  • Conventional, 20% down, no PMI $3,489a month

    Down payment
    $92,180
    Cash to close
    $106,007
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,915a month

    Down payment
    $69,135
    Cash to close
    $82,962
    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 Union Beach and for Monmouth County.

Property tax

Effective rate in Union Beach

2.08%of the home’s value each year

$9,573 a year for the typical owner in Union Beach.

  • Union Beach 2.08%
  • Monmouth 1.65%
  • 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 Monmouth County

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

Homes in the high-risk zone
7.4%
14,605
Of those, with NFIP insurance
70%
County New Jersey U.S.
Homes in the high-risk zone 7.4% 6.7% 3.5%
Of those, with NFIP insurance 70% 63% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Union Beach

Typical rent in Union Beach is $2,567 a month: 41% above the county. In Union Beach, 80% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Monmouth County, by unit size. To pay the 2-bedroom one ($2,283 a month) without spending more than 30% of your income, you would need to earn $43.90 an hour working full time.

HUD fair market rent for all of Monmouth 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 $1,671 $32.13 $66,840
1 bedroom $1,847 $35.52 $73,880
2 bedrooms $2,283 $43.90 $91,320
3 bedrooms $2,927 $56.29 $117,080
4 bedrooms $3,241 $62.33 $129,640

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 Union Beach

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Union Beach is in ZIP code 07735.

For 2 bedrooms it is $2,150: $133 less than the fair market rent for Monmouth County ($2,283).

  • 07735 $2,150$2,720

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

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 Monmouth County; 3 say they serve in Spanish.

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

HUD counseling is free or low-cost

Assistance programs in Union Beach

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

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

Housing counselors near Union Beach

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

  • Puerto Rican Association for Human Development, Inc.

    100 1st St, Perth Amboy · 7 miles away

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

  • 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 Action Board, Inc.

    754 Route 18, East Brunswick · 11 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 7 more
    (732) 832-7535

Every agency in Monmouth County All counseling agencies in New Jersey

Help in Spanish near Union Beach

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 Union Beach

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

11 other authorities have an office in Monmouth County: see the list Source: HUD

Cities

Other cities in Monmouth County

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

Everything about Monmouth County Housing in New Jersey
See 12 more cities in Monmouth County, with prices and rents

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

Nearby cities

The cities closest to Union Beach, with the typical home value.

Neighboring counties

If Monmouth 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 Union Beach.

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

Questions

Housing questions about Union Beach

Short answers with the numbers for Union Beach and all of Monmouth 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 Union Beach?

The typical home value in Union Beach is $460,900, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Monmouth County it is $606,100.

How much does it cost to rent in Union Beach?

Typical rent in Union Beach is $2,567 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Monmouth County is $2,283.

What is the FHA loan limit in Union Beach?

Union Beach uses the FHA limit for all of Monmouth 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 Union Beach?

The typical homeowner in Union Beach pays $9,573 a year, according to the U.S. Census Bureau. That is 2.08% of the home’s value; in Monmouth County, the rate is 1.65%.

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

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