Stone Harbor, NJ—08247
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Stone Harbor, NJ
As of Oct '25, the median home price in Stone Harbor, NJ is $2,355,000, with a year-over-year change of -1.2%. This indicates that home prices in Stone Harbor, NJ are decreasing. According to Zillow, the 1-year price projection is 4.2%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $2,355,000 | -1.2% |
| Single Family | $3,170,000 | -0.8% |
| Condos | $1,206,000 | -0.5% |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $987,000 | -2.6% |
3 Bed | $1,531,000 | 0.4% |
4 Bed | $2,875,000 | 0.6% |
| 5 Bed | $4,520,000 | 0.7% |
% of Housing Stock
Rental Trends — Stone Harbor, NJ
Stone Harbor, NJ lacks sufficient rental market data for analysis.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | N/A | N/A |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | N/A | N/A |
| 2 Bed Rent | N/A | N/A |
| 3 Bed Rent | N/A | N/A |
| 4 Bed Rent | N/A | N/A |
% of Rental Stock
Property Listings — Stone Harbor, NJ
As of Oct '25, Realtor.com reports that the median days on market for a home in Stone Harbor, NJ is 59. This is a decrease of -35.0% from last year, suggesting that homes are sitting on the market shorter than last year. The percentage of listed homes with a reduced price is 8.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $4,720,000 | 8.0% |
Listing Count | 48 | -16.0% |
| Listings as % of Homes | 0.8% | -16.0% |
Days on Market | 59 | -35.0% |
Demographics — Stone Harbor, NJ
As of the latest ACS Survey released in 2023, Stone Harbor, NJ has a population of 936, which has decreased by -4.9% over the past 5 years. Stone Harbor, NJ is a less popular place for families, as children make up 8.0% of the population. The area has a highly educated workforce, with 69.7% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 22.6% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 936 | -4.9% |
% Under 18 | 8.0% | 0.0% |
% Seniors | 52.8% | 21.4% |
% WFH | 22.6% | 96.5% |
% w/ College Degree | 69.7% | 5.3% |
As of the latest ACS Survey released in 2023, Stone Harbor, NJ is a predominantly white area, with 97.6% of the population identifying as white. The white population has shrunk by 1.1% in the last 5 years. The second most common race or ethnicity in Stone Harbor, NJ is asian, making up 0.6% of the population. Foreign-born residents account for 3.5% of the population in Stone Harbor, NJ, and this percentage has increased by 40.0% as of the ACS Survey 5 years prior, suggesting more immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 97.6% | -1.1% |
% Black | 0.1% | 0.0% |
% Hispanic | 0.6% | 0.0% |
% Asian | 0.6% | 0.0% |
% Foreign Born | 3.5% | 40.0% |
Mortgage and Risk — Stone Harbor, NJ
According to HUD data as of 2023, there were 55 mortgage originations in Stone Harbor, NJ, of which 100.0% of loans were conventional mortgages. The average loan-to-value was 44.0%, with 2.0% above 90% LTV (normal). This implies small mortgage risk in Stone Harbor, NJ. Investor activity is low, as 4.0% of loans were by investors. 4.0% of loans were cash-out refinances, suggesting few homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 55 |
% Conventional Loans | 100.0% |
% Government Loans | 0.0% |
% Investor Loans | 4.0% |
% Second Loans | 82.0% |
% Cash Out Refinance | 4.0% |
Loan Activity
Rentals and Section 8 — Stone Harbor, NJ
Stone Harbor, NJ lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | N/A |
Total Units Section 8 | N/A |
% Rentals under Section 8 | N/A |
% Occupied Section 8 | N/A |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | N/A | N/A | $1,350 |
| 2 Bedroom | N/A | N/A | $1,770 |
| 3 Bedroom | N/A | N/A | $2,370 |
| 4 Bedroom | N/A | N/A | $2,370 |
Affordability — Stone Harbor, NJ
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 17.2 |
| Median Home Price | $2,355,000 |
| Median Household Income | $134,000 |