Spotswood, NJ 08884 - Home Prices, Rental Trends, Listings & Demographics | Prop:Metrics

Spotswood, NJ—08884

Real Estate Data & Market Trends

Key Metrics at a Glance

Median Home Value

$545,000

2.6% YoY Growth

Household Income

$101,000

33.0% YoY Growth

Days on Market

8.0% Longer YoY

Home Price Forecast

2.1%

Median Rent

$2,250

9.4% YoY Growth

1-Bed Rent

$1,900

12.4% YoY Growth

2-Bed Rent

$2,100

6.5% YoY Growth

3-Bed Rent

$2,900

16.0% YoY Growth

Home Price Trends — Spotswood, NJ

As of Dec '25, the median home price in Spotswood, NJ is $545,000, with a year-over-year change of 2.6%. This indicates that home prices in Spotswood, NJ are increasing. According to Zillow, the 1-year price projection is 2.1%, suggesting an increase housing market in the next year.

Cost per Home Type

Home Type	Median Home Value	YoY % Change
All Homes	$545,000	2.6%
Single Family	$556,000	2.4%
Condos	N/A	N/A

Cost per Home Size

Home Size	Median Home Value	YoY % Change
1 Bed

Rental Trends — Spotswood, NJ

As of July '25, Rentcast reports the average rent in Spotswood, NJ is $2,520, with a year-over-year rent change of -9.4%. Per bedroom, the median rent as of July '25 in Spotswood, NJ is 1-bedrooms: $1,900, 2-bedrooms: $2,170, 3-bedrooms: $3,150, 4-bedrooms: $3,950. The most common rental property sizes in Spotswood, NJ are 1-bedroom and 2-bedroom, accounting for 72.2% and 22.0% of the rental stock.

Type	Median Rent	Average Rent
Average Rent	$2,250	$2,520
Studio Rent	N/A	N/A
1 Bed Rent	$1,900	$1,900
2 Bed Rent	$2,100	$2,170
3 Bed Rent	$2,900	$3,150
4 Bed Rent	$3,950	$3,950

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% of Rental Stock

1 Bedroom

72.2%

2 Bedrooms

22.0%

3 Bedrooms

1.6%

4 Bedrooms

1.8%

5+ Bedrooms

2.5%

Property Listings — Spotswood, NJ

As of Dec '25, Realtor.com reports that the median days on market for a home in Spotswood, NJ is 53. This is a increase of 2.0% from last year, suggesting that homes are sitting on the market longer than last year. The percentage of listed homes with a reduced price is 28.0%, representing a large inventory and a lot of supply pressure on home prices.

Metric	Zip Code Average	Year over Year % Change
Median Listing Price	$475,000	14.0%
Listing Count	28	71.0%
Listings as % of Homes	0.5%	71.0%
Days on Market	44	8.0%

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Demographics — Spotswood, NJ

As of the latest ACS Survey released in 2023, Spotswood, NJ has a population of 8,130, which has decreased by -1.9% over the past 5 years. Spotswood, NJ is a moderately popular place for families, as children make up 19.1% of the population. The area has a moderately educated workforce, with 34.3% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 13.0% reporting working from home.

Metric	Latest Census	YoY % Change
Population	8,130	-1.9%
% Under 18	19.1%	-5.0%
% Seniors	22.8%	16.3%
% WFH	13.0%	66.7%
% w/ College Degree	34.3%	35.6%

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As of the latest ACS Survey released in 2023, Spotswood, NJ is a predominantly white area, with 75.9% of the population identifying as white. The white population has shrunk by 7.1% in the last 5 years. The second most common race or ethnicity in Spotswood, NJ is hispanic, making up 12.3% of the population. Foreign-born residents account for 13.9% of the population in Spotswood, NJ, and this percentage has increased by 16.8% 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	75.9%	-7.1%
% Black	1.4%	-65.0%
% Hispanic	12.3%	32.3%
% Asian	7.6%	58.3%
% Foreign Born	13.9%	16.8%

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Mortgage and Risk — Spotswood, NJ

According to HUD data as of 2023, there were 112 mortgage originations in Spotswood, NJ, of which 86.0% of loans were conventional mortgages. The average loan-to-value was 74.0%, with 26.0% above 90% LTV (very high). This implies large mortgage risk in Spotswood, NJ. Investor activity is low, as 2.0% of loans were by investors. 11.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.

Mortgages

Metric	Zip Code Average
Total Loan Originations	112
% Conventional Loans	86.0%
% Government Loans	14.0%
% Investor Loans	2.0%
% Second Loans	0.0%
% Cash Out Refinance	11.0%

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Rentals and Section 8 — Spotswood, NJ

As of 2024, the percent of homes in Spotswood, NJ under the Section 8 program is 29.8%. This is considered high, suggesting that the neighborhood is heavily composed of Section 8 homes. Section 8 opportunity is good when HUD pays more than market rent. In Spotswood, NJ, none of the tracked home sizes currently have HUD payment amounts above market rent, suggesting limited Section 8 opportunity.

Section 8 Market Size

Total Units under HUD	224
Total Units Section 8	151
% Rentals under Section 8	29.8%
% Occupied Section 8	97.7%

Section 8 Opportunity

Home Size	HUD Premium	Market Rent	Max HUD Rent
1 Bedroom	-$270	$1,900	$1,630
2 Bedroom	-$50	$2,100	$2,050
3 Bedroom	-$410	$2,900	$2,490
4 Bedroom	-$1,220	$3,950	$2,730

Spotswood, NJ—08884

Key Metrics at a Glance

Home Price Trends — Spotswood, NJ

Cost per Home Type

Cost per Home Size

% of Housing Stock

Rental Trends — Spotswood, NJ

% of Rental Stock

Property Listings — Spotswood, NJ

Demographics — Spotswood, NJ

Race and Ethnicity

Mortgage and Risk — Spotswood, NJ

Mortgages

Rentals and Section 8 — Spotswood, NJ

Section 8 Market Size

Section 8 Opportunity

Affordability — Spotswood, NJ

Home Price to Income Ratio

Spotswood, NJ — ZIP Code Boundary Map

Nearby ZIP Codes

Helmetta, NJ

East Brunswick, NJ

South River, NJ

Old Bridge, NJ

Milltown, NJ

Frequently Asked Questions

Metric	Zip Code Average
Home Price to Income Ratio	4.4
Median Home Price	$545,000
Median Household Income	$101,000

Spotswood, NJ—08884

Key Metrics at a Glance

Home Price Trends — Spotswood, NJ

Cost per Home Type

Cost per Home Size

% of Housing Stock

Rental Trends — Spotswood, NJ

% of Rental Stock

Property Listings — Spotswood, NJ

Demographics — Spotswood, NJ

Race and Ethnicity

Mortgage and Risk — Spotswood, NJ

Mortgages

Rentals and Section 8 — Spotswood, NJ

Section 8 Market Size

Section 8 Opportunity

Affordability — Spotswood, NJ

Home Price to Income Ratio

Spotswood, NJ — ZIP Code Boundary Map

Nearby ZIP Codes

Helmetta, NJ

East Brunswick, NJ

South River, NJ

Old Bridge, NJ

Milltown, NJ

Frequently Asked Questions

What is the average home price in Spotswood, NJ 08884?

How have home prices in Spotswood, NJ 08884 changed over the past year?

What is the home price projection for Spotswood, NJ 08884?

What are the demographics of Spotswood, NJ 08884?

How long does it take homes to sell in Spotswood, NJ 08884?

What is the average rent price in Spotswood, NJ 08884?