Market Overview
Home Prices in South Amboy, NJ
The median home value in South Amboy, NJ is $534,463 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 2.1% compared to a year ago and up 6.8% from two years prior.
Compared to the U.S. national median of $410,000, homes in South Amboy are priced30% above average. South Amboy is part of the New York-Newark-Jersey City, NY-NJ-PA metro area.
Over the past five years, South Amboy home values have risen by approximately33.5%, reflecting strong long-term appreciation in this market.
Price History
South Amboy Home Price Trend
City Comparison
South Amboy vs. National Median
At $534,463, homes in South Amboy cost 30% above the national median of $410,000. Buyers in South Amboy should expect to pay a premium compared to most U.S. markets.
Affordability
What Does It Cost to Buy in South Amboy?
20% Down Payment
$106,893
on $534,463
Monthly P&I
$2,787/mo
30-yr @ 6.8%
Total Monthly Est.
~$3,539/mo
incl. taxes & insurance
Income Needed
$141,560
gross annual (30% rule)
10% Down Option
$53,446
+ PMI applies
Loan Amount (20% dn)
$427,570
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in South Amboy, NJ?
The median home value in South Amboy is $534,463 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 2.1% year-over-year.
How much have home prices changed in South Amboy?
Over the past year, home values in South Amboy have increased by 2.1%. Over five years, prices have risen approximately 33.5%.
How much do I need to earn to buy a home in South Amboy?
To comfortably afford the median home price of $534,463 with a 20% down payment ($106,893) at today's rates (6.8%), you'd need a gross annual income of approximately $141,560. This assumes keeping total housing costs at or below 30% of gross income.
How does South Amboy compare to the national average home price?
The national median home value is approximately $410,000. At $534,463, homes in South Amboy are 30% above the national average.
What metro area is South Amboy part of?
South Amboy is part of the New York-Newark-Jersey City, NY-NJ-PA metropolitan area. Home prices and market conditions can vary across the broader metro region.