Real Estate Investing in Stone Harbor, New Jersey (08247)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 08247 (Stone Harbor, NJ)? Our answer, based on the numbers below.
Proceed carefully. Weak appreciation or affordability makes this a harder case for most buyers.
A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.
- High vacancy: 83.8% of homes vacant — above national norms.
- Tenant-protective state: Landlord rating 1.0/5 — slower evictions, more regulations.
- High price-to-rent: Price-to-rent ratio 120.3 — hard to cash-flow at these prices.
• Limited market data — this is a very small market; averages are built from few observations and can swing widely. • Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.
What’s happening in Stone Harbor, NJ (08247)?
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Market Analysis: 08247 Stone Harbor
Not every below-median market is a bargain. Stone Harbor's 08247 ZIP shows signals that favor experienced operators who can absorb the risk $2.6M pricing implies.
For an experienced owner, 08247 can be a a credible choice for hunting ground — but the discount at $2.6M reflects genuine risk that outside investors often underestimate.
Regionally, 08247 sits on the difficult end of the NJ spectrum. The an appealing option for read — for disciplined operators — is that pricing reflects the difficulty.
A robust renter share of 13% in 08247 is not, on its own, a problem — but paired with below-average income and high mobility, it changes the operating playbook.
The 08247 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 Stone Harbor:
Property Strategy for 08247
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 2BR | $987,159 | $2,030 | 1.5% | +7.6% | $493,579 |
| 3BR | $1,531,374 | $2,710 | 1.3% | +10.2% | $510,458 |
| 4BR | $2,875,372 | $2,720 | 0.7% | +11.7% | $718,843 |
| 5BR | $4,519,899 | — | — | +12.0% | $903,980 |
Market Trends
Home Value History (with trend line)
📊 How Does 08247 Compare?
| Metric | 08247 | Stone Harbor | Ocean City, NJ | New Jersey |
|---|---|---|---|---|
| Home Value | $2,636,689 | $2,636,689 | N/A | $559,826 |
| 5-Year CAGR | 7.1% | 7.1% | N/A | 8.4% |
| Avg Rent | $1,827 | $1,827 | N/A | - |
| Cap Rate | 0.5% | 0.5% | - | - |
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 08247 (Stone Harbor, NJ). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $2,636,689 |
| Monthly Rent | $1,827 |
| Price-to-Rent | 120.3:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 0.8% |
| Cap Rate | 0.5% |
| 5-Year IRR | 7.6% |
📈 Home Appreciation
| 1-Year | +14.5% ▲ |
| 3-Year CAGR | +3.8% ▲ |
| 5-Year CAGR | +7.1% ▲ |
| 10-Year CAGR | +9.3% ▲ |
🏠 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 (0.5%). 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 08247
Population: 936
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 08247
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.
Frequently Asked Questions
What price range are homes in Stone Harbor, NJ?
Median home price in Stone Harbor, NJ is near $2.6M, with a 5-year CAGR of 0.0%. Prices have been reliable and supportive of buy-and-hold strategies.
What type of investing works in Stone Harbor, NJ?
Investors usually favor careful cash-flow rentals with hands-on management in Stone Harbor, NJ. With home values at $2.6M and rents near $1,827/mo, other strategies can work but produce predictable rather than outsized returns.
How strong are rents in Stone Harbor, NJ?
The typical rental in Stone Harbor, NJ commands about $1,827/mo monthly. That rent profile consistent cash flow against the $2.6M purchase basis.
Is rental property easy to operate in Stone Harbor, NJ?
The landlord environment in Stone Harbor, NJ is tenant-protective. Statewide rules shape most day-to-day operations for rental owners.
Are renters plentiful in Stone Harbor, NJ?
Stone Harbor, NJ draws a even-keeled base of working renters. Demand at the $1,827/mo rent level is reasonable for standard single-family and small multi rentals.
You know 08247 now. You don’t know where it ranks.
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How 08247 ranks in Ocean City, NJ
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