Real Estate Investing in Little Silver, New Jersey (07739)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 07739 (Little Silver, 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 37.3 — 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 Little Silver, NJ (07739)?
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Market Analysis: 07739 Little Silver
Not every below-median market is a bargain. Little Silver's 07739 ZIP clocks in at signals that favor experienced operators who can absorb the risk $1.2M pricing implies.
For an experienced owner, 07739 can be a an appealing option for hunting ground — but the discount at $1.2M reflects genuine risk that outside investors often underestimate.
Nearby ZIPs in Little Silver have seen price recovery that 07739 has not matched. Monmouth County data supports the view that the spread is structural rather than temporary.
The demographic picture in 07739 includes headwinds that any investor should price in. Income distribution skews lower than Little Silver averages, and tenant stability requires active management.
The 07739 ZIP fits a narrow investor profile — hands-on, patient, and willing to accept that the cap rate on paper is not the cap rate in reality.
Here's what matters if you're considering buying a home in Little Silver:
Property Strategy for 07739
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 2BR | $684,530 | $2,970 | 3.1% | +6.7% | $342,265 |
| 3BR | $929,705 | $3,880 | 3.0% | +9.1% | $309,902 |
| 4BR | $1,195,393 | $4,290 | 2.6% | +10.2% | $298,848 |
| 5BR | $1,868,708 | — | — | +11.2% | $373,742 |
Market Trends
Home Value History (with trend line)
📊 How Does 07739 Compare?
| Metric | 07739 | Little Silver | New Jersey |
|---|---|---|---|
| Home Value | $1,195,269 | $1,195,269 | $559,826 |
| 5-Year CAGR | 8.6% | 8.6% | 8.4% |
| Avg Rent | $2,673 | $2,673 | - |
| Cap Rate | 1.7% | 1.7% | - |
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 07739 (Little Silver, NJ). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $1,195,269 |
| Monthly Rent | $2,673 |
| Price-to-Rent | 37.3:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 2.7% |
| Cap Rate | 1.7% |
| 5-Year IRR | 10.3% |
📈 Home Appreciation
| 1-Year | +12.7% ▲ |
| 3-Year CAGR | +8.2% ▲ |
| 5-Year CAGR | +8.6% ▲ |
| 10-Year CAGR | +6.7% ▲ |
🏠 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 (1.7%). 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 07739
Population: 6,096
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 07739
Schools in This ZIP Code
Nearby Schools (5 more)
Schools in adjacent ZIP codes that may serve this area
Deane-Porter Elementary School
Forrestdale School
Knollwood School
Red Bank Middle School
Red Bank Primary School
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 Little Silver, NJ?
Little Silver, NJ median home values land near $1.2M. That is reasonable territory for investors looking at $2,673/mo-per-month rentals.
Is house hacking profitable in Little Silver, NJ?
House hacking works a tougher in Little Silver, NJ. Rents of $2,673/mo against $1.2M acquisition make the strategy solid for owner-occupants.
What is the tenant pool like in Little Silver, NJ?
The tenant pool in Little Silver, NJ is solid, supported by local employment and population fundamentals. Rents of $2,673/mo are well-absorbed by the market.
Is NJ a landlord-friendly state?
The landlord environment in Little Silver, NJ is tenant-protective. Statewide rules shape most day-to-day operations for rental owners.
What do landlords charge for rent in Little Silver, NJ?
Rent in Little Silver, NJ is around $2,673/mo. The resulting rent-to-value relationship with $1.2M pricing is reasonable for most investor models.
You know 07739 now. You don’t know where it ranks.
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How 07739 ranks in New York-Newark-Jersey City, NY-NJ-PA
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