The typical owner-occupied home in Sea Isle City is worth about $1,087,300, 2.4 times the New Jersey median of $454,400 and 3.3 times the national median of $332,700. Owners pay a median $5,749 a year in property taxes, about 0.53% of their home's value, lower than the New Jersey rate of 2.11%. The median household earns $108,359 a year, so the median home costs 10.0 times the median income (4.4 times for New Jersey). 93% of occupied homes here are lived in by their owners, and 56% of those owners still have a mortgage.
Sea Isle City at a glance
| Sea Isle City | New Jersey | U.S. | |
|---|---|---|---|
| Median home value | $1,087,300 | $454,400 | $332,700 |
| Median property tax paid per year | $5,749 | $9,590 | $3,119 |
| Property tax as a share of value | 0.53% | 2.11% | 0.94% |
| Median household income | $108,359 | $103,556 | $80,734 |
| Homes lived in by their owners | 93% | 64% | 65% |
| Owner homes with a mortgage | 56% | 64% | 61% |
| Median monthly costs, owners with a mortgage | $3,317 | $2,829 | $1,963 |
| Those costs as a share of the owners' income | 30.8% | 22.9% | 21.0% |
| Median rent | – | $1,720 | $1,413 |
| Rent as a share of renters' income | 34.2% | 30.9% | 30.6% |
| Median year homes were built | 1992 | 1970 | 1980 |
| Vacant homes | 83.4% | 7.5% | 10.1% |
| Population | 2,000 | 9,343,809 | 334,922,499 |
What a typical home costs per month in Sea Isle City
At this week's average 30-year rate of 7.11%, buying the median Sea Isle City home of $1,087,300 with 20% down costs about $6,785 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $8,771, because the loan is bigger and FHA adds mortgage insurance.
Lenders usually want housing costs under about 28% of gross income, which means an income of roughly $290,775 for the 20%-down payment. That payment is 75% of the median Sea Isle City household income of $108,359; at that income and 20% down, the 28% guideline points to a home of about $405,000.
| Down payment | $217,460 |
|---|---|
| Loan amount | $869,840 |
| Principal and interest | $5,851 |
| Property taxes (0.53% a year) | $480 |
| Homeowners insurance (our estimate, 0.5% a year) | $453 |
| PMI | $0 |
| Total per month | $6,785 |
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| Down payment | $38,056 |
|---|---|
| Loan amount | $1,067,606 |
| Principal and interest | $7,182 |
| Property taxes (0.53% a year) | $480 |
| Homeowners insurance (our estimate, 0.5% a year) | $453 |
| FHA mortgage insurance | $656 |
| Total per month | $8,771 |
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Questions about home buying in Sea Isle City
What is the median home value in Sea Isle City?
About $1,087,300 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Sea Isle City?
Homeowners pay a median $5,749 a year, which is about 0.53% of the median home value. Your bill depends on your home's assessed value and local rates.
What income do you need to buy a home in Sea Isle City?
For the median home with 20% down at 7.11%, the payment is about $6,785 a month. Keeping that under 28% of gross income takes about $290,775 a year.
More about Sea Isle City
- Mortgage Refinance in Sea Isle City
- Debt Relief in Sea Isle City
- Home Equity Loans in Sea Isle City
- Guides and quotes for mortgage refinance on our sister site, MortgageRefinance.com
Sources: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates; Freddie Mac Primary Mortgage Market Survey, week of November 12, 2026. Estimates for small places have wide margins of error. About our data