Median home value in zip code 07438 (Oak Ridge, NJ) is $515K, up 3.6% year over year. Part of the New York-Newark-Jersey City, NY-NJ-PA metropolitan area.

Full stress scores, AI analysis, and 12-month forecast: New York-Newark-Jersey City, NY-NJ-PA metro →

Home Value$514,927

YoY Change

+3.6%

AFFORDABILITY

Enter your income for 07438 (Oak Ridge).

Income (annual)

Down Payment

$102,985 on $514,927

Out of reach — 49.6% of income

Need $132,771/yr to afford.

PITI$3,098

P/I49.6%

Afford$291K

Gap-$224K

P&I $2,604Tax $378Ins $117

6.50% 30yr, 20% down, county tax + NJ ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Metro Analysis

07438 is part of the New York-Newark-Jersey City, NY-NJ-PA metropolitan area. See full stress scores, crash risk, early warning signals, and 12-month price forecast for the metro.

View New York-Newark-Jersey City, NY-NJ-PA analysis

Want deeper metro-level analysis?Stress scores, crash risk, 12-month forecasts, and early warning signals for 195 US metros.

Try Free