Real Estate Investing in Camden, New Jersey (08103)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 08103 (Camden, NJ)? Our answer, based on the numbers below.
Mixed signals — some positives, some negatives. Worth considering but not a slam-dunk.
A cash-flow market — rent-to-price math works from day one, though value growth is modest. Great for income-focused investors.
- High vacancy: 18.7% of homes vacant — above national norms.
- 1-year downturn: Values declined 4.3% in the last year.
- Tenant-protective state: Landlord rating 1.0/5 — slower evictions, more regulations.
- Elevated poverty: 24.6% poverty rate — can affect rent collection.
What’s happening in Camden, NJ (08103)?
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Market Analysis: 08103 Camden
Within Camden County, the 08103 ZIP stands at a lower entry point around $126K. From an investor standpoint, operators who can improve stock here typically see outsized uplift.
BRRRR works in 08103 because the math supports it. Buy at $126K, rehab, and the refinance step typically recovers capital in a way that flat-yield markets cannot match.
The a strong candidate for piece of regional context is that nearby ZIPs with newer stock and higher basis have priced out of the value-add game. 08103 has not.
Household income in 08103 supports the rent-lift thesis. 13,137 residents, deep working-age cohort, and the kind of tenant profile that responds to upgraded stock.
The strategy in 08103 is forced equity, not market equity. Put differently, entry prices are accommodating at $126K, the returns sit in the renovation budget, not the holding period.
Here's what matters if you're considering buying a home in Camden:
Property Strategy for 08103
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 2BR | $124,003 | $1,560 | 9.1% | +13.5% | $62,002 |
| 3BR | $146,623 | $1,870 | 9.2% | +14.5% | $48,874 |
| 4BR | $181,193 | $2,090 | 8.3% | +12.8% | $45,298 |
Market Trends
Home Value History (with trend line)
Rent History (with trend line)
📊 How Does 08103 Compare?
| Metric | 08103 | Camden | New Jersey |
|---|---|---|---|
| Home Value | $126,142 | $139,759 | $559,826 |
| 5-Year CAGR | 3.8% | 6.6% | 8.4% |
| Avg Rent | $1,648 | $1,692 | - |
| Cap Rate | 10.2% | 9.7% | - |
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 08103 (Camden, NJ). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $126,142 |
| Monthly Rent | $1,648 |
| Price-to-Rent | 6.4:1 |
| 1% Rule | ✓ Passes |
💰 Return Metrics
| Gross Yield | 15.7% |
| Cap Rate | 10.2% |
| 5-Year IRR | 14.0% |
📈 Home Appreciation
| 1-Year | -4.3% ▼ |
| 3-Year CAGR | +2.2% ▲ |
| 5-Year CAGR | +3.8% ▲ |
| 10-Year CAGR | +7.3% ▲ |
🏠 Rent Trends
| 1-Year | N/A |
| 3-Year CAGR | N/A |
| 5-Year CAGR | N/A |
The estimated cap rate (10.2%) exceeds the current 30-yr mortgage rate (6.8%). When borrowing costs less than a property yields, leverage can increase your cash-on-cash return above the cap rate.
⚠️ Risk Signals
Composite view of factors that can impact a ZIP's stability and your downside risk.
Demographics in 08103
Population: 13,137
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 08103
Schools in This ZIP Code
Nearby Schools (5 more)
Schools in adjacent ZIP codes that may serve this area
Brown Henry A Sch
Cooper's Poynt Family School
Dr. Henry H. Davis Elementary School
East Side High School
Henry B. Wilson Family 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 646 students living off-campus nearby, this area has strong rental demand from the college population.
Frequently Asked Questions
Is Camden in NJ worth investing in?
Yes - Camden, NJ a 5.0/5 investability score. With $126K home prices against $1,648/mo monthly rent, the market delivers a reasonable entry point for new investors.
What approach is best for Camden, NJ real estate?
Investors usually favor value-add and BRRRR deals in Camden, NJ. With home values at $126K and rents near $1,648/mo, other strategies can work but produce predictable rather than outsized returns.
What does house hacking look like in Camden, NJ?
The house hack math an attractive in Camden, NJ. Owner-occupant buyers benefit from the $1,648/mo rents and $126K home values.
Are 1% rule properties available in Camden, NJ?
The 1% rule is solid territory for Camden, NJ. Rent-to-price at the median is 1.31%, putting many properties within striking distance.
What monthly rent should investors expect in Camden, NJ?
The typical rental in Camden, NJ commands about $1,648/mo monthly. That rent profile predictable cash flow against the $126K purchase basis.
You know 08103 now. You don’t know where it ranks.
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How 08103 ranks in Philadelphia-Camden-Wilmington, PA-NJ-DE-MD
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