Union Beach, New Jersey.
Typical home $545,601 (+5.6% in a year). New York-Newark-Jersey City, NY-NJ-PA metro.
to buy the typical home at today's mortgage rate — +$1,735 (+154%) since Jan 2020.
- 1 year
- Up $28,914 +6%
- $516,687$545,601 since Sep 2025
- 5 years
- Up $149,127 +38%
- $396,474$545,601 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.
- Union Beach$2,864
- 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 Union Beach, NJ rose 5.6% over the past year — faster than the nation's +1.2%.
Living in Union Beach, Monmouth County, New Jersey
Union Beach is a borough of 5,723 people in Monmouth County. Half its households earn more than $119,250 a year and half less, against $124,845 across Monmouth County; 3% of its people live below the poverty line. 82% of its homes are lived in by their owners and 18% are rented. Unemployment in Monmouth County was 4.2% in August 2026, and the county had 1.8% 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 23 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 It can be wrong or out of date.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. Union Beach is a small borough in Monmouth County, and nearly everyone who lives there owns their home, a much higher share than is usual across the county. Household incomes run a little below the county's, and few residents live below the poverty line. The typical resident is middle-aged, and the typical home is worth a good deal more than homes in many parts of the country. Winters are cold, with January the coldest month, and summers are warm, with July the warmest. Rain and melted snow fall steadily through the year.
Work. Residents work mostly in schools, hospitals and social care, with shops, manufacturing, and professional and business services close behind. The commute is a fairly long one, and only a few people work from home. Across Monmouth County, the largest workplaces include Jersey Shore University Medical Center, Monmouth Medical Center and Barnabas Health Medical Group. Unemployment in the county is lower than it was a year earlier, and the county has added jobs over the past year.
Things to do. The best known places within reach of Union Beach are all a longer drive away. The Statue of Liberty is one of the best known tourist attractions in the country, and Central Park is a large garden in the middle of Manhattan. For a day at the shore, Coney Island is a beach that is also a longer drive away. The Metropolitan Museum of Art is another museum within the same longer drive.
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- 2,203households
- 3%below the poverty line
- 32 mintypical commute
- 6%work from home
What residents work in
Employed residents by industry, from the Census survey. Monmouth County had 279,012 jobs in 2025, 1.8% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 42° and lows near 23°; warmest in July, with highs near 86° and lows near 66°. About 49 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Freehold-marlboro weather station, 10 miles away (NOAA).
Largest workplaces in Monmouth County
- Atrium Payroll ServicesBusiness services - staffing20,000
- Barnabas Health Medical GroupMedical doctors' offices4,575
- Jersey Shore University MED CTRGeneral hospital4,243FTE
- FDM Associates Inc - SFSGeneral stores2,689
- AT&TWired telecommunications carriers1,782
- Monmouth Medical CenterGeneral hospital1,758FTE
- Middletown Township Public School DistrictSchool district1,597FTE
- Centrastate Medical CenterGeneral hospital1,554FTE
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 348 workplaces with 20 or more staff, 78,884 people in all across the county; Union Beach has one of its own. Hospitals come from their Medicare cost reports (CMS, 2023) and school districts from the Common Core of Data (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
- Strong windVery high
- Coastal floodingRelatively high
- Heat wavesRelatively high
- Winter weatherRelatively moderate
- LightningRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Union Beach’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 Monmouth County and the New York-Newark-Jersey City, NY-NJ-PA metro.
Union Beach home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Union Beach$545,601
- New Jersey$575,123
- United States$366,157
Sellers are cutting prices on about 1 in 3 Union Beach listings — 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.
- Union Beach33.19%
- United States26.90%
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Union Beach34
New listings per month
Sellers arriving at the market.
- Union Beach11
Zip codes with a Union Beach address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Union Beach — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.
Zillow publishes no zip-level series with this city on the address.