Real Estate Investing in Stewartsville, New Jersey (08886)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 08886 (Stewartsville, NJ)? Our answer, based on the numbers below.
Solid choice — values are growing steadily and the market is stable enough to buy with confidence.
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.
• Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.
What’s happening in Stewartsville, NJ (08886)?
Click any question — our AI will research it live from the web and show you sources.
Market Analysis: 08886 Stewartsville
Investors eyeing 08886 need to respect the fundamentals at play. Home values of $518K come alongside slower price movement and elevated management overhead.
The 08886 ZIP can work — but only with a tight operating hand. Remote landlords and passive investors tend to struggle here more than the underwriting suggests.
In the broader NJ picture, 08886 is a reminder that not every low-priced ZIP is a value-add opportunity — some are simply distressed, and the difference matters.
Resident income in 08886 sits below the county median. That reality colors rent collection, vacancy, and reinvestment math in ways that outside investors often underestimate.
Strategically, 08886 can be a high-return sleeve of a diversified portfolio — but it should not be the whole portfolio, and it should not be someone's first deal.
Here's what matters if you're considering buying a home in Stewartsville:
Property Strategy for 08886
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 2BR | $295,506 | $2,560 | 6.2% | +10.2% | $147,753 |
| 3BR | $416,836 | $3,250 | 5.6% | +10.1% | $138,945 |
| 4BR | $624,630 | $3,780 | 4.4% | +10.2% | $156,157 |
Market Trends
Home Value History (with trend line)
📊 How Does 08886 Compare?
| Metric | 08886 | Stewartsville | New Jersey |
|---|---|---|---|
| Home Value | $517,808 | $517,808 | $559,826 |
| 5-Year CAGR | 6.7% | 6.7% | 8.4% |
| Avg Rent | $2,304 | $2,304 | - |
| Cap Rate | 3.5% | 3.5% | - |
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 08886 (Stewartsville, NJ). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $517,808 |
| Monthly Rent | $2,304 |
| Price-to-Rent | 18.7:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 5.3% |
| Cap Rate | 3.5% |
| 5-Year IRR | 10.2% |
📈 Home Appreciation
| 1-Year | +5.7% ▲ |
| 3-Year CAGR | +6.1% ▲ |
| 5-Year CAGR | +6.7% ▲ |
| 10-Year CAGR | +6.0% ▲ |
🏠 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 (3.5%). 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 08886
Population: 6,493
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 08886
Schools in This ZIP Code
Nearby Schools (5 more)
Schools in adjacent ZIP codes that may serve this area
Lopatcong Elementary School
Lopatcong Township Middle School
Philipsburg Primary School
Phillipsburg Early Childhood Learning Center
Phillipsburg Elementary 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 1,827 students living off-campus nearby, this area has strong rental demand from the college population.
Frequently Asked Questions
Is Stewartsville in NJ worth investing in?
Stewartsville, NJ rates 3.0/5 for investability. With median values at $518K and rents near $2,304/mo, the market offers reasonable fundamentals for rental investors.
Is Stewartsville, NJ a friendly market for rental owners?
Rental owners in Stewartsville, NJ deal with a tenant-protective legal framework. Most standard eviction processes run on reasonable timelines.
What is the typical rental rate in Stewartsville, NJ?
Expect rents around $2,304/mo per month in Stewartsville, NJ. With home values at $518K, the yield math works out to reasonable levels for rental investors.
Can I house hack in Stewartsville, NJ?
The house hack math a challenging in Stewartsville, NJ. Owner-occupant buyers benefit from the $2,304/mo rents and $518K home values.
What is the rental occupancy rate in Stewartsville, NJ?
Rental vacancy in Stewartsville, NJ is elevated. Investors should budget normal turnover but not chronic empty units.
You know 08886 now. You don’t know where it ranks.
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How 08886 ranks in Allentown-Bethlehem-Easton, PA-NJ
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