The typical owner-occupied home in Bradley Beach is worth about $932,800, 2.1 times the New Jersey median of $454,400 and 2.8 times the national median of $332,700. Owners pay a median $9,600 a year in property taxes, about 1.03% of their home's value, lower than the New Jersey rate of 2.11%. The median household earns $97,005 a year, so the median home costs 9.6 times the median income (4.4 times for New Jersey). 48% of occupied homes here are lived in by their owners, and 46% of those owners still have a mortgage.
Bradley Beach at a glance
| Bradley Beach | New Jersey | U.S. | |
|---|---|---|---|
| Median home value | $932,800 | $454,400 | $332,700 |
| Median property tax paid per year | $9,600 | $9,590 | $3,119 |
| Property tax as a share of value | 1.03% | 2.11% | 0.94% |
| Median household income | $97,005 | $103,556 | $80,734 |
| Homes lived in by their owners | 48% | 64% | 65% |
| Owner homes with a mortgage | 46% | 64% | 61% |
| Median monthly costs, owners with a mortgage | $3,277 | $2,829 | $1,963 |
| Those costs as a share of the owners' income | 29.0% | 22.9% | 21.0% |
| Median rent | $1,790 | $1,720 | $1,413 |
| Rent as a share of renters' income | 24.2% | 30.9% | 30.6% |
| Median year homes were built | 1962 | 1970 | 1980 |
| Vacant homes | 30.3% | 7.5% | 10.1% |
| Population | 4,158 | 9,343,809 | 334,922,499 |
What a typical home costs per month in Bradley Beach
At this week's average 30-year rate of 7.11%, buying the median Bradley Beach home of $932,800 with 20% down costs about $6,209 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $7,913, 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 $266,114 for the 20%-down payment. That payment is 77% of the median Bradley Beach household income of $97,005; at that income and 20% down, the 28% guideline points to a home of about $340,000.
The median rent here is $1,790 a month, so owning the median home costs about $4,419 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $186,560 |
|---|---|
| Loan amount | $746,240 |
| Principal and interest | $5,020 |
| Property taxes (1.03% a year) | $801 |
| Homeowners insurance (our estimate, 0.5% a year) | $389 |
| PMI | $0 |
| Total per month | $6,209 |
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| Down payment | $32,648 |
|---|---|
| Loan amount | $915,905 |
| Principal and interest | $6,161 |
| Property taxes (1.03% a year) | $801 |
| Homeowners insurance (our estimate, 0.5% a year) | $389 |
| FHA mortgage insurance | $563 |
| Total per month | $7,913 |
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Questions about home buying in Bradley Beach
What is the median home value in Bradley Beach?
About $932,800 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Bradley Beach?
Homeowners pay a median $9,600 a year, which is about 1.03% 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 Bradley Beach?
For the median home with 20% down at 7.11%, the payment is about $6,209 a month. Keeping that under 28% of gross income takes about $266,114 a year.
More about Bradley Beach
- Mortgage Refinance in Bradley Beach
- Debt Relief in Bradley Beach
- Home Equity Loans in Bradley Beach
- 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