Camden, New Jersey.
Typical home $149,376 (-3.2% in a year), asking rent $1,787 (+0.9%). Philadelphia-Camden-Wilmington, PA-NJ-DE-MD metro.
to buy the typical home at today's mortgage rate — +$496 (+172%) since Jan 2020.
- 1 year
- Down $4,913 -3%
- $154,289$149,376 since Sep 2025
- 5 years
- Up $41,410 +38%
- $107,966$149,376 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Camden$784
- New Jersey$3,019
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 11 years.
Typical home values in Camden, NJ fell 3.2% over the past year — slower than the nation's +1.2%.
Asking rents in Camden, NJ rose 0.9% over the past year — slower than the nation's +2.7%.
Owning the typical home in Camden runs $490/mo less than renting one. The gap peaked at $501 in Aug 2026.
That is $1,297 a month against $1,787 rent: a $784 mortgage payment, plus $353 property tax and $160 insurance & upkeep.
Owning vs renting — Camden
The owning line is the typical home's monthly payment at that month's rate, plus property tax and insurance & upkeep; the renting line is the typical asking rent; the grey line is the mortgage payment on its own. Same homes, same months, both ways of paying for a roof.
- Owning all in$1,297
- Renting$1,787
- Mortgage only$784
Property tax · $353/mo 2.83% of value a year — the ACS 2020-2024 median bill over the median home value for Camden County, NJ
Insurance & upkeep · $160/mo insurance, maintenance and repairs together, from the BLS Consumer Expenditure Survey — the national figure for mortgaged homeowners, scaled to this market's home value. BLS publishes the three bundled and they cannot be split.
Both are priced off the same month's home value, so they rise with the market. Neither is a quote — a specific home's bill depends on its assessment, its age and its insurer.
Living in Camden, Camden County, New Jersey
Camden is a city of 71,791 people in Camden County. Half its households earn more than $40,546 a year and half less, against $88,755 across Camden County; 30% of its people live below the poverty line. 34% of its homes are lived in by their owners and 66% are rented. Unemployment in Camden was 9.0% in August 2026, and Camden County had 0.6% more jobs in 2025 than the year before. The most residents work in schools and health care, then shops.
Written by AI Claude Sonnet 5.5 wrote this on 24 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Camden is a city on the Delaware River, across from Philadelphia, and its residents are younger than the typical American. Incomes sit well below the county's, and a good deal more of the population lives below the poverty line than elsewhere. Most homes are rented rather than owned, and fewer adults hold a four-year degree than across the country. Winters are cold, summers are hot, and snow and rain both come in moderate amounts through the year.
Work. Many residents work in schools, hospitals and social care, in shops, in professional and business services, and in transport and warehousing. Among the largest workplaces in Camden are Cooper University Hospital, the Camden City School District and Rutgers University-Camden. Unemployment is lower than it was a year ago but remains above what many places see, and the typical trip to work is a moderate one.
Things to do. Right in or beside town, the USS New Jersey and the USS Olympia are museum ships open to visitors, and Independence National Historical Park is just across the river. A short drive away, Philadelphia offers the Philadelphia Museum of Art, the Franklin Institute and the Barnes Foundation. Sports fans can reach Lincoln Financial Field and Citizens Bank Park, both stadiums a short drive away.
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- 24,443households
- 10%of adults have a degree
- 30%below the poverty line
- 24 mintypical commute
- 6%work from home
What residents work in
Employed residents by industry, from the Census survey. Camden County had 207,142 jobs in 2025, 0.6% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 42° and lows near 28°; warmest in July, with highs near 89° and lows near 71°. About 16 inches of snow and 51 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Phila Franklin Inst weather station, 4 miles away (NOAA).
Largest workplaces in Camden
- Cooper University HospitalGeneral hospital5,762FTE
- Camden City School DistrictSchool district1,491FTE
- Rutgers University-CamdenUniversity or college1,266
- EMR EasternMetal scrap and waste merchant wholesalers476
- Camden's Promise Charter SchoolSchool district386FTE
- Mastery Schools of CamdenSchool district355FTE
- KIPP: Cooper Norcross A New Jersey Nonprofit Corporation SchoolsSchool district322FTE
- Korber Pharma Packaging Materials, LLC (NJ)320
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 23 workplaces with 20 or more staff, 2,830 people in all. Hospitals come from their Medicare cost reports (CMS, 2023), school districts from the Common Core of Data (NCES, 2023–24) and colleges from IPEDS (NCES, 2023–24); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- Winter weatherRelatively high
- Ice stormsRelatively moderate
- Inland floodingrelatively high in parts of CamdenRelatively moderate
- Heat wavesrelatively high in parts of CamdenRelatively moderate
- Lightningrelatively high in parts of CamdenRelatively moderate
- Strong windRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Camden’s census tracts, against the rest of the country; all of them together, relatively low. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Camden County and the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD metro.
Camden home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Camden$149,376
- New Jersey$575,123
- United States$366,157
Sellers are cutting prices on about 1 in 5 Camden listings, and the typical home goes pending in 27 days — the market is roughly in balance.
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Camden20.30%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
- Camden27
- United States27
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Camden158
New listings per month
Sellers arriving at the market.
- Camden40
Median sale price
What buyers actually paid — closed sales, not asking prices.
- Camden$152,333
- United States$371,407
Sale-to-list ratio
Above 100%, homes sell over asking; below, buyers negotiate wins.
- Camden95.47%
Zip codes with a Camden address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Camden — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.
Zip codes in Camden
| Zip activate to sort by Zip | Place activate to sort by Place | Population sorted descending, activate to sort ascending | Rent activate to sort by Rent | Home value activate to sort by Home value |
|---|---|---|---|---|
| 08105 | Camden | 26,483 | — | $175,634 |
| 08104 | Camden | 22,148 | $1,715 | $131,989 |
| 08103 | Camden | 12,573 | $1,672 | $131,951 |
| 08102 | Camden | 8,292 | $1,996 | $132,395 |