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City · 14,883 residents · Monmouth County, New Jersey

West Freehold , New Jersey

In West Freehold, a typical home is worth $529,000 and typical rent is $2,144 a month. Compared with all of Monmouth County, typical rent is 17% higher, the typical home value is 13% lower, and the share of households that own their home is 12 points higher.

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  • Typical home value

    $529,000

    13% below the county

    16% above New Jersey

    • West Freehold
    • Monmouth
    • New Jersey

  • Typical rent

    $2,144a month

    17% above the county

    25% above New Jersey

    • West Freehold
    • Monmouth
    • New Jersey

  • Typical household income

    $130,800a year

    5% above the county

    26% above New Jersey

    • West Freehold
    • Monmouth
    • New Jersey

  • Households that own their home

    87%

    12 points above the county

    24 points above New Jersey

    • West Freehold
    • Monmouth
    • New Jersey

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

West Freehold 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 West Freehold apart

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

  1. Nearby, in Freehold, the typical home value is $416,800: 21% less than in West Freehold ($529,000).

  2. Nearby, in Lakewood, the typical rent is $1,718: 20% less than in West Freehold ($2,144).

  3. 87% of households in West Freehold own their home, against 76% in Monmouth County.

  4. The typical rent in West Freehold is $2,144 a month, 17% more than in Monmouth County as a whole ($1,827).

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

The homes here

Housing in West Freehold

What homes there are in West Freehold, 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 West Freehold, 6 in 10 homes are single-family detached houses; in Monmouth County, 7.

Year built

By age, homes in West Freehold look like those in Monmouth County: the typical year built is 1977.

There are fewer big homes in West Freehold than in Monmouth County: 54% have 3 bedrooms or more, against 65%.

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

$2,959 a month

Monmouth County: $3,070 a month

Without a mortgage

$1,240 a month

Monmouth County: $1,342 a month

Owners with a mortgage

66%

Monmouth County: 64%

In West Freehold, 66% of owners have a mortgage; their typical cost is $2,959 a month, about the same as in Monmouth County.

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 West Freehold rose 28%; in Monmouth County, it rose 44%.

The typical rent in West Freehold rose 23% over the same time; in Monmouth County, it rose 31%.

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

MeasureWest FreeholdMonmouth 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 2.642.542.622.53
Drive alone 66%65%62%69%
Carpool 4%8%8%9%
Public transit Unreliable estimate5%8%3%
Walk or bike Unreliable estimate2%3%3%
Work from home 25%19%17%15%
Other means Unreliable estimate2%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

By size, households in West Freehold look like those in Monmouth County: 2.64 people on average.

In West Freehold, 25% of workers work from home, more than in Monmouth County (19%).

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 West Freehold?

A typical home costs more than the typical income allows

We start with a typical home in West Freehold, worth $529,000, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 44% of the typical household income in West Freehold, which is $130,800 a year. For that payment to be 28% of income, a household would need to earn about $205,795 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 West Freehold. 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 $18,515 (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

$4,802

at 7.18% · 30 years

Loan amount
$519,418
Total interest
$747,321
Paid off in
November 2056

Includes $8,933 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $3,052 a month

  • Tight

    $3,052 to $3,924 a month

  • Hard

    more than $3,924 a month

    Your payment · 44%

Compared with the typical household income in West Freehold ($130,800 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$4,802
Principal & interest$3,519
Property tax$829
Home insurance$220
FHA mortgage insurance (MIP)$234

You need at least $18,515 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

West Freehold and Monmouth County

West Freehold 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).

West Freehold's own numbers

Typical home value
$529,000
Typical monthly rent
$2,144
Typical yearly household income
$130,800
Households that own their home
87%
Effective property tax rate
1.88%

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 West Freehold

A typical home in West Freehold is worth $529,000: 13% below the county and 16% above New Jersey. With the typical household income in West Freehold ($130,800 a year), a typical home costs 4.0 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.

  • West Freehold 4.0 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

West Freehold 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
  • West Freehold $529,000
  • Monmouth $606,100
  • New Jersey $454,400
  • United States $332,700
Typical monthly rent
  • West Freehold $2,144
  • Monmouth $1,827
  • New Jersey $1,720
  • United States $1,413
Typical yearly household income
  • West Freehold $130,800
  • Monmouth $124,845
  • New Jersey $103,556
  • United States $80,734
See the full table
West Freehold next to Monmouth County and New Jersey
Measure West Freehold Monmouth County New Jersey U.S.
Typical home value $529,000 $606,100 $454,400 $332,700
Typical monthly rent $2,144 $1,827 $1,720 $1,413
Typical yearly household income $130,800 $124,845 $103,556 $80,734
Households that own their home 87% 76% 64% 65%
Typical yearly property tax $9,949 $10,001 $9,590 $3,119
Effective property tax rate 1.88% 1.65% 2.11% 0.94%
Renters with high rent for their income 52% 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 West Freehold

For a typical $529,000 home in West Freehold, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, West Freehold's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $4,802a month

    Least cash to close
    Down payment
    $18,515
    Cash to close
    $34,385
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $234

  • Conventional, 5% down $4,705a month

    Down payment
    $26,450
    Cash to close
    $42,320
    Rate
    7.18%
    Mortgage insurance
    PMI · $251

  • Conventional, 20% down, no PMI $3,916a month

    Down payment
    $105,800
    Cash to close
    $121,670
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $4,405a month

    Down payment
    $79,350
    Cash to close
    $95,220
    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 West Freehold and for Monmouth County.

Property tax

Effective rate in West Freehold

1.88%of the home’s value each year

$9,949 a year for the typical owner in West Freehold.

  • West Freehold 1.88%
  • 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 West Freehold

Typical rent in West Freehold is $2,144 a month: 17% above the county. In West Freehold, 52% 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 West Freehold

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). West Freehold is in ZIP code 07728.

For 2 bedrooms it is $2,430: $147 more than the fair market rent for Monmouth County ($2,283).

  • 07728 $2,430$3,120

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

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 woman smiles in front of her apartment building.

HUD counseling is free or low-cost

Assistance programs in West Freehold

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

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

Housing counselors near West Freehold

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

  • Navicore Solutions

    200 US Highway 9, Manalapan · 5 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (732) 409-6281

  • Navicore Solutions - Manalapan, NJ

    200 US Highway 9, Manalapan · 5 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    (732) 409-6281

  • Affordable Housing Alliance, Inc.

    11 White St, Eatontown · 13 miles away · Spanish

    Also serves in Czech, Polish, and Russian.

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 5 more
    (732) 389-2958

Every agency in Monmouth County All counseling agencies in New Jersey

Help in Spanish near West Freehold

3 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 West Freehold

HUD’s record names them for West Freehold 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 West Freehold, 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 West Freehold.

All guides
A mother holds hands with her two daughters on the beach at sunset.

Questions

Housing questions about West Freehold

Short answers with the numbers for West Freehold 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 West Freehold?

The typical home value in West Freehold is $529,000, 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 West Freehold?

Typical rent in West Freehold is $2,144 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 West Freehold?

West Freehold 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 West Freehold?

The typical homeowner in West Freehold pays $9,949 a year, according to the U.S. Census Bureau. That is 1.88% of the home’s value; in Monmouth County, the rate is 1.65%.

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

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).