Middlesex, NJ—08846
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Middlesex, NJ
As of Oct '25, the median home price in Middlesex, NJ is $533,000, with a year-over-year change of 6.2%. This indicates that home prices in Middlesex, NJ are increasing. According to Zillow, the 1-year price projection is 1.6%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $533,000 | 6.2% |
| Single Family | $540,000 | 5.3% |
| Condos | $336,000 | 9.4% |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $388,000 | 4.9% |
3 Bed | $526,000 | 4.8% |
4 Bed | $611,000 | 4.8% |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Middlesex, NJ
As of July '25, Rentcast reports the average rent in Middlesex, NJ is $2,590, with a year-over-year rent change of 6.1%. Per bedroom, the median rent as of July '25 in Middlesex, NJ is 1-bedrooms: $1,940, 2-bedrooms: $2,550, 3-bedrooms: $3,460, 4-bedrooms: $3,800. The most common rental property sizes in Middlesex, NJ are 1-bedroom and 2-bedroom, accounting for 52.5% and 32.1% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $2,460 | $2,590 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | $1,950 | $1,940 |
| 2 Bed Rent | $2,500 | $2,550 |
| 3 Bed Rent | $3,500 | $3,460 |
| 4 Bed Rent | $3,800 | $3,800 |
% of Rental Stock
Property Listings — Middlesex, NJ
As of Oct '25, Realtor.com reports that the median days on market for a home in Middlesex, NJ is 36. This is a increase of 12.0% 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 5.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $493,000 | -5.0% |
Listing Count | 44 | 6.0% |
| Listings as % of Homes | 0.6% | 6.0% |
Days on Market | 36 | 12.0% |
Demographics — Middlesex, NJ
As of the latest ACS Survey released in 2023, Middlesex, NJ has a population of 14,500, which has increased by 6.3% over the past 5 years. Middlesex, NJ is a moderately popular place for families, as children make up 20.7% of the population. The area has a moderately educated workforce, with 34.5% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 9.1% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 14,500 | 6.3% |
% Under 18 | 20.7% | -9.6% |
% Seniors | 17.7% | 12.7% |
% WFH | 9.1% | 111.6% |
% w/ College Degree | 34.5% | 28.7% |
As of the latest ACS Survey released in 2023, Middlesex, NJ is a predominantly white area, with 54.2% of the population identifying as white. The white population has shrunk by 11.7% in the last 5 years. The second most common race or ethnicity in Middlesex, NJ is hispanic, making up 26.3% of the population. Foreign-born residents account for 23.7% of the population in Middlesex, NJ, and this percentage has increased by 10.7% 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 | 54.2% | -11.7% |
% Black | 7.1% | -2.7% |
% Hispanic | 26.3% | 11.0% |
% Asian | 11.7% | 95.0% |
% Foreign Born | 23.7% | 10.7% |
Mortgage and Risk — Middlesex, NJ
According to HUD data as of 2023, there were 241 mortgage originations in Middlesex, NJ, of which 80.0% of loans were conventional mortgages. The average loan-to-value was 68.0%, with 32.0% above 90% LTV (very high). This implies large mortgage risk in Middlesex, NJ. Investor activity is low, as 1.0% of loans were by investors. 8.0% of loans were cash-out refinances, suggesting few homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 241 |
% Conventional Loans | 80.0% |
% Government Loans | 20.0% |
% Investor Loans | 1.0% |
% Second Loans | 0.0% |
% Cash Out Refinance | 8.0% |
Loan Activity
Rentals and Section 8 — Middlesex, NJ
As of 2024, the percent of homes in Middlesex, NJ under the Section 8 program is 1.5%. This is considered low, suggesting that the neighborhood is sparsely composed of Section 8 homes. Section 8 opportunity is good when HUD pays more than market rent. In Middlesex, 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 | 104 |
Total Units Section 8 | 18 |
% Rentals under Section 8 | 1.5% |
% Occupied Section 8 | 93.0% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | -$320 | $1,950 | $1,630 |
| 2 Bedroom | -$450 | $2,500 | $2,050 |
| 3 Bedroom | -$1,010 | $3,500 | $2,490 |
| 4 Bedroom | -$1,070 | $3,800 | $2,730 |
Affordability — Middlesex, NJ
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 4 |
| Median Home Price | $533,000 |
| Median Household Income | $107,000 |