Real Estate Investing in Lincroft, New Jersey (07738)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 07738 (Lincroft, NJ)? Our answer, based on the numbers below.
Mixed — home prices are stretched relative to local incomes. Run the math on your specific situation.
A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.
- Tenant-protective state: Landlord rating 1.0/5 — slower evictions, more regulations.
- High price-to-rent: Price-to-rent ratio 79.5 — hard to cash-flow at these prices.
• Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.
What’s happening in Lincroft, NJ (07738)?
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Market Analysis: 07738 Lincroft
ZIP 07738 inside Monmouth County looks affordable on the surface — median value of $1.1M — but the discount exists for reasons that a careful buyer should understand before committing.
The 07738 ZIP can work — but only with a tight operating hand. Remote landlords and passive investors tend to struggle here more than the underwriting suggests.
Regionally, 07738 sits on the difficult end of the NJ spectrum. The a strong candidate for read — for disciplined operators — is that pricing reflects the difficulty.
The 07738 ZIP's population of 6,901 has faced economic pressure over the last decade. That pressure shows up in rent delinquency patterns that reports the need for careful underwriting.
tilts toward the ZIP is not uninvestable, but it is unforgiving. Section 8 landlords, local operators, and specialized value-add funds are the investor types that tend to succeed.
Here's what matters if you're considering buying a home in Lincroft:
Property Strategy for 07738
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 3BR | $832,063 | $1,610 | 1.4% | — | $277,354 |
| 4BR | $1,006,962 | $1,780 | 1.3% | +9.0% | $251,741 |
| 5BR | $1,214,489 | — | — | +10.2% | $242,898 |
Market Trends
Home Value History (with trend line)
📊 How Does 07738 Compare?
| Metric | 07738 | Lincroft | New Jersey |
|---|---|---|---|
| Home Value | $1,055,659 | $1,055,659 | $559,826 |
| 5-Year CAGR | 7.3% | 7.3% | 8.4% |
| Avg Rent | $1,107 | $1,107 | - |
| Cap Rate | 0.8% | 0.8% | - |
Similar ZIPs Within 25 Miles
Compare other nearby markets to see if a neighbor offers a better fit.
Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 07738 (Lincroft, NJ). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $1,055,659 |
| Monthly Rent | $1,107 |
| Price-to-Rent | 79.5:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 1.3% |
| Cap Rate | 0.8% |
| 5-Year IRR | 8.2% |
📈 Home Appreciation
| 1-Year | +8.9% ▲ |
| 3-Year CAGR | +7.0% ▲ |
| 5-Year CAGR | +7.3% ▲ |
| 10-Year CAGR | +7.5% ▲ |
🏠 Rent Trends
| 1-Year | N/A |
| 3-Year CAGR | N/A |
| 5-Year CAGR | N/A |
The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (0.8%). Financing reduces your cash-on-cash return below the cap rate. Markets like this may still make sense as IRR plays — factoring in appreciation, depreciation, and a future refinance when rates drop.
Run an IRR Analysis →⚠️ Risk Signals
Composite view of factors that can impact a ZIP's stability and your downside risk.
Demographics in 07738
Population: 6,901
Crime & Safety
Crime & Safety Data Coming Soon
We're integrating comprehensive crime statistics including violent crime rates, property crime, and safety scores to help you make informed investment decisions.
Expected: Q1 2025
🎓 Schools in 07738
Schools in This ZIP Code
About Repit School Scores
Traditional school ratings rely heavily on standardized test scores, which often reflect family income more than school quality. Repit takes a different approach.
We evaluate schools based on factors that research shows actually impact educational outcomes:
- Class Size — Smaller classes mean more individual attention
- School Funding — Resources available for programs, staff, and facilities
- Community Factors — Neighborhood characteristics that influence student success
- School Environment — Size, type, and structure
Scores are updated annually using federal education data.
🎓 Nearby Colleges & Universities
Investor Insight: With 2,430 students living off-campus nearby, this area has strong rental demand from the college population.
Frequently Asked Questions
Where do home prices stand in Lincroft, NJ?
Lincroft, NJ median home values land near $1.1M. That is reasonable territory for investors looking at $1,107/mo-per-month rentals.
Are tenants stable in Lincroft, NJ?
Lincroft, NJ draws a steady base of working renters. Demand at the $1,107/mo rent level is reasonable for standard single-family and small multi rentals.
Is rental property easy to operate in Lincroft, NJ?
The landlord environment in Lincroft, NJ is tenant-protective. Statewide rules shape most day-to-day operations for rental owners.
Does house hacking make sense in Lincroft, NJ?
House hacking works a tougher in Lincroft, NJ. Rents of $1,107/mo against $1.1M acquisition make the strategy solid for owner-occupants.
What strategy should investors use in Lincroft, NJ?
Investors usually favor careful cash-flow rentals with hands-on management in Lincroft, NJ. With home values at $1.1M and rents near $1,107/mo, other strategies can work but produce measured rather than outsized returns.
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