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City · 61,006 residents · Cumberland County, New Jersey

Vineland , New Jersey

In Vineland, a typical home is worth $240,700 and typical rent is $1,233 a month. Compared with all of Cumberland County, the typical home value is 9% higher.

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  • Typical home value

    $240,700

    9% above the county

    47% below New Jersey

    • Vineland
    • Cumberland
    • New Jersey

  • Typical rent

    $1,233a month

    4% below the county

    28% below New Jersey

    • Vineland
    • Cumberland
    • New Jersey

  • Typical household income

    $67,860a year

    About the same as the county

    34% below New Jersey

    • Vineland
    • Cumberland
    • New Jersey

  • Households that own their home

    70%

    3 points above the county

    6 points above New Jersey

    • Vineland
    • Cumberland
    • New Jersey

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

Market now, with Zillow data

Zillow data
Typical home value
$308,068
1.9% more than 12 months ago
Typical rent
$1,764 a month

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

Vineland is in Cumberland County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Cumberland County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Vineland apart

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

  1. Nearby, in Bridgeton, the typical home value is $145,500: 40% less than in Vineland ($240,700).

  2. Vineland has the 18th lowest typical rent of the 283 cities in New Jersey with more than 5,000 people ($1,233).

  3. Vineland has the 25th lowest typical home value of the 293 cities in New Jersey with more than 5,000 people ($240,700).

  4. Vineland has the 26th lowest typical household income of the 294 cities in New Jersey with more than 5,000 people ($67,860).

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

The homes here

Housing in Vineland

What homes there are in Vineland, 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

The detached house is the most common home in Vineland: 68% of homes, near the figure in Cumberland County (68%).

Year built

By age, homes in Vineland look like those in Cumberland County: the typical year built is 1971.

By size, homes in Vineland look like those in Cumberland County: 62% have 3 bedrooms or more.

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

The FHA limit for Cumberland County is high ($541,287): at least 96% of owner-occupied homes in Vineland are worth less than $500,000.

Monthly rent with utilities

About 79% of rented homes in Vineland cost less than HUD's 2-bedroom fair market rent for Cumberland County ($1,704).

With a mortgage

$1,923 a month

Cumberland County: $1,883 a month

Without a mortgage

$906 a month

Cumberland County: $853 a month

Owners with a mortgage

61%

Cumberland County: 59%

Owning costs about the same in Vineland as in Cumberland County: with a mortgage, $1,923 a month; without one, $906.

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 Vineland rose 44%; in Cumberland County, it rose 36%.

Since 2015–2019, the typical rent in Vineland rose 17%, less than in Cumberland County (20%).

To compare: typical income in Vineland rose 25%; the home, +44%; the rent, +17%.

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

MeasureVinelandCumberland CountyNew JerseyUnited States
Rental vacancy Unreliable estimate4.3%3.5%5.5%
Homeowner vacancy Unreliable estimate1.1%0.7%0.9%
More than one person per room 3.5%3.8%4.0%3.4%
People per household 2.762.682.622.53
Drive alone 77%77%62%69%
Carpool 11%13%8%9%
Public transit 2%2%8%3%
Walk or bike Unreliable estimate2%3%3%
Work from home 5%5%17%15%
Other means 3%2%2%2%
Typical commute 10 to 19 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

More than one person per room: that is how 3.5% of households in Vineland live, near the figure in Cumberland County (3.8%).

A household in Vineland has 2.76 people on average, about the same as in Cumberland County (2.68).

To get to work, 77% of workers in Vineland drive alone; in Cumberland County, 77%.

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 Vineland?

A typical home costs more than the typical income allows

We start with a typical home in Vineland, worth $240,700, 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 Vineland, which is $67,860 a year. For that payment to be 28% of income, a household would need to earn about $95,100 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Vineland. 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 $8,425 (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

$2,219

at 7.18% · 30 years

Loan amount
$236,340
Total interest
$340,038
Paid off in
November 2056

Includes $4,065 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,583 a month

  • Tight

    $1,583 to $2,036 a month

  • Hard

    more than $2,036 a month

    Your payment · 39%

Compared with the typical household income in Vineland ($67,860 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,219
Principal & interest$1,601
Property tax$411
Home insurance$100
FHA mortgage insurance (MIP)$106

You need at least $8,425 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

Vineland and Cumberland County

Vineland is in Cumberland 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).

Vineland's own numbers

Typical home value
$240,700
Typical monthly rent
$1,233
Typical yearly household income
$67,860
Households that own their home
70%
Effective property tax rate
2.05%

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

Numbers for all of Cumberland County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,704
Price change over 5 years (FHFA)
+73%
Homes in a high flood-risk zone
2.4%

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 Cumberland County.

Everything about Cumberland County

Buying

Buying a home in Vineland

A typical home in Vineland is worth $240,700: 9% above the county and 47% below New Jersey. With the typical household income in Vineland ($67,860 a year), a typical home costs 3.5 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.

  • Vineland 3.5 years
  • Cumberland 3.3 years
  • New Jersey 4.4 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Cumberland County

According to FHFA’s house price index, home prices in Cumberland County rose 99% in the 10 years through 2025.

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

Period County New Jersey U.S.
Last year (2025) +6.2% +6.2% +2.9%
5 years (2020–2025) +73% +63% +47%
10 years (2015–2025) +99% +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

Vineland next to Cumberland 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
  • Vineland $240,700
  • Cumberland $221,400
  • New Jersey $454,400
  • United States $332,700
Typical monthly rent
  • Vineland $1,233
  • Cumberland $1,282
  • New Jersey $1,720
  • United States $1,413
Typical yearly household income
  • Vineland $67,860
  • Cumberland $67,436
  • New Jersey $103,556
  • United States $80,734
See the full table
Vineland next to Cumberland County and New Jersey
Measure Vineland Cumberland County New Jersey U.S.
Typical home value $240,700 $221,400 $454,400 $332,700
Typical monthly rent $1,233 $1,282 $1,720 $1,413
Typical yearly household income $67,860 $67,436 $103,556 $80,734
Households that own their home 70% 67% 64% 65%
Typical yearly property tax $4,941 $5,052 $9,590 $3,119
Effective property tax rate 2.05% 2.28% 2.11% 0.94%
Renters with high rent for their income 57% 56% 52% 51%

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

For a typical $240,700 home in Vineland, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Vineland's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,219a month

    Least cash to close
    Down payment
    $8,425
    Cash to close
    $15,646
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $106

  • Conventional, 5% down $2,175a month

    Down payment
    $12,035
    Cash to close
    $19,256
    Rate
    7.18%
    Mortgage insurance
    PMI · $114

  • Conventional, 20% down, no PMI $1,816a month

    Down payment
    $48,140
    Cash to close
    $55,361
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,038a month

    Down payment
    $36,105
    Cash to close
    $43,326
    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 Vineland and for Cumberland County.

Property tax

Effective rate in Vineland

2.05%of the home’s value each year

$4,941 a year for the typical owner in Vineland.

  • Vineland 2.05%
  • Cumberland 2.28%
  • 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 Cumberland County

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

Homes in the high-risk zone
2.4%
1,020
Of those, with NFIP insurance
27%
County New Jersey U.S.
Homes in the high-risk zone 2.4% 6.7% 3.5%
Of those, with NFIP insurance 27% 63% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Vineland

Typical rent in Vineland is $1,233 a month: 4% below the county. In Vineland, 57% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Cumberland County, by unit size. To pay the 2-bedroom one ($1,704 a month) without spending more than 30% of your income, you would need to earn $32.77 an hour working full time.

HUD fair market rent for all of Cumberland 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 $1,288 $24.77 $51,520
1 bedroom $1,420 $27.31 $56,800
2 bedrooms $1,704 $32.77 $68,160
3 bedrooms $2,360 $45.38 $94,400
4 bedrooms $2,478 $47.65 $99,120

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 Vineland

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

For 2 bedrooms it runs from $1,610 in 08360 to $1,870 in 08361.

1 of the 2 is above the fair market rent for Cumberland County ($1,704).

  • 08360 $1,610$2,220
  • 08361 $1,870$2,590

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

HUD lists 14 buildings with rents for lower incomes in Vineland. These are the largest.

  • Spring Garden Senior Housing 1781 S Spring Rd, Vineland 08361 125 homes, 124 low-income · For older adults
  • Parkview & Dorazio Terrace 84 S West Ave, Vineland 08360 100 low-income homes · Run by Vineland Housing Authority · Average payment: $362 a month · Average wait: 40 months (856) 691-4099
  • Walnut Manor 794 E Walnut Rd, Vineland 100 low-income homes · In service since 2006
  • Walnut Manor 794 E Walnut Rd, Vineland 08360 100 low-income homes · For families
  • Luther Acres 560 Sarah Pl, Vineland 08360 100 homes, 99 low-income · For older adults

See all 60 buildings in Cumberland County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Vineland

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.

We found no HUD-approved agencies with an office in Cumberland County. The nearest ones are below; many serve by phone or online.

A man leans over the armchair where a girl is reading a book.

HUD counseling is free or low-cost

Assistance programs in Vineland

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

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

Housing counselors near Vineland

The HUD-approved agencies closest to the center of Vineland, 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 · 16 miles away · Spanish

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

  • Financial Wellness Institute Inc

    3 S Broad St, Woodbury · 27 miles away

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

  • CCCS of Delaware Valley, Inc. DBA Clarifi

    1060 Kings Highway North, Cherry Hill · 32 miles away

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

All counseling agencies in New Jersey

Help in Spanish near Vineland

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 Vineland

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

  • Vineland Housing Authority Public housing and Section 8 vouchers (856) 691-4099

2 other authorities have an office in Cumberland County: see the list Source: HUD

Cities

Other cities in Cumberland County

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

Everything about Cumberland County Housing in New Jersey

Nearby cities

The cities closest to Vineland, with the typical home value.

Neighboring counties

If Cumberland 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 Vineland.

All guides
Three generations of a family gather on the porch of their home.

Questions

Housing questions about Vineland

Short answers with the numbers for Vineland and all of Cumberland 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 Vineland?

The typical home value in Vineland is $240,700, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Cumberland County it is $221,400.

How much does it cost to rent in Vineland?

Typical rent in Vineland is $1,233 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Cumberland County is $1,704.

What is the FHA loan limit in Vineland?

Vineland uses the FHA limit for all of Cumberland County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.

How much property tax do owners pay in Vineland?

The typical homeowner in Vineland pays $4,941 a year, according to the U.S. Census Bureau. That is 2.05% of the home’s value; in Cumberland County, the rate is 2.28%.

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

We found no HUD-approved counseling agencies with an office in Cumberland County; the nearest ones are on this page. 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).