Counties / New Jersey / Cape May County

Cape May County, NJ

FIPS 34009 · population 94,941 · part of Atlantic City, NJ

$805k
Zillow home value · 2026-06
The numbers

What this county costs and earns

Everything here joins on the county FIPS code, so each figure comes from the agency that publishes it with no name matching in between.

Zillow home value
$805k
▲ 8.0% year over year
Zillow ZHVI · direct
Median asking rent
$2,179
▲ 5.8% year over year
Zillow ZORI · direct
Gross yield
3.3%
annual rent ÷ price, before costs
derived: rent × 12 ÷ price ✓
HUD 2-bed standard
$1,792
market rent is 1.22x the standard
HUD Fair Market Rent · direct
Independent price check

Do two methods point the same way?

Zillow estimates a current home value. FHFA tracks repeat mortgage transactions. Their growth rates should be read side by side, not averaged.

Both annual signals move in the same direction
FHFA five-year cumulative+78.7%not annualized · through 2025
0%ZILLOW ZHVI2026-06+8.0%FHFA HPI2025+3.9%
Annual changes use different methods and may use different periods. The comparison checks direction and magnitude; it does not create a blended estimate. Zillow county ZHVI pulled 2026-07-26; FHFA annual county HPI pulled 2026-07-28.
Owner-reported value$435k
Surveyed gross rent$1,360
Rent burden 30%+55.0%
Median year built1981
Housing composition

Who occupies the stock—and what it is

ACS 2024 5-year
54.9%vacant
99,599estimated housing units
Occupied tenure19.7% renter
owner 80.3%renter 19.7%
Structure mix77.7% single-family
Single-family 77.7%20+ units 3.9%Mobile home 3.3%Other 15.1%
ACS estimates describe the standing housing stock and occupied tenure. They do not measure current listings, transaction prices or asking rents.

Survey source: Census ACS 5-year — county housing value, tenure and stock · ACS 2024 5-year · pulled 2026-07-30. These values describe different housing universes and are not combined into gross yield.

Annual average covered jobs43,356▲ 1.5% from the prior annual release
Covered establishments4,093annual average reporting locations
Average weekly wage$963▲ 3.1% from the prior annual release
Largest private supersectorLeisure and hospitality37.7% of disclosed private covered jobs
Local labor base

Jobs, pay and private-sector concentration

2025
0%COVERED JOBS+1.5%WEEKLY WAGE+3.1%Leisure and hospitality37.7%
Annual QCEW counts cover jobs located at reporting establishments. The industry share uses disclosed private covered employment; it is not a resident-employment measure or a forecast.

Workplace source: BLS QCEW — county employment and wages · annual county employment and wages 2025 vs 2024 · pulled 2026-07-31. QCEW counts covered jobs located in the county, not employed residents or the metro score’s CES/LAUS series.

County brief

What the local evidence says

01Decision frame

Cape May County presents a high-entry-price, low-current-yield tension: Zillow reports a median home value of $804,637, versus $2,179 median monthly asking rent and a supplied 3.25% gross yield before costs. Investors needing current cash flow warrant caution; those investigating specific properties need to test whether durable rent can support the entry basis and carrying costs. This is a county-level screen, not evidence for a neighborhood or building.

02Housing economics

Zillow’s 2026-06 value change was 7.95%. FHFA’s 2025 repeat-transaction HPI increased 3.94% annually; both measures point upward, but FHFA is an index rather than a dollar home value, and its method and labeled period cannot be blended with Zillow’s. The effective property-tax rate is 1.22%, and median annual tax is $5,306, a stated carrying cost against the gross yield. HUD two-bedroom FMR is a payment standard, not market asking rent, and cannot replace the published rent or establish yield.

03Demand & competition

Realtor.com’s MLS listing-market evidence reports a 65-day median marketing time, with active listings measuring visible supply and price reductions signaling seller concessions. These are asking-market measures, not closed-sale prices or standalone proof of buyer demand. Investor mortgages were 340 of 1,985 purchases, or 17.13%, indicating non-owner participation but not price paid or targeted property type. Tax-return migration was negative by 102 households, although incoming movers’ average AGI exceeded outgoing movers’ by $14,869. This mix calls for buyer and tenant segmentation, not a countywide demand conclusion.

04Risk & next checks

Modeled climate loss equals 0.25% of building value per year, while inland flood is the named dominant hazard. Parcel flood exposure, elevation, mitigation and insurance quotes are needed before translating that county model into property costs. QCEW identifies leisure and hospitality as the largest disclosed private supersector; QCEW is annual covered employment at county workplaces, not resident employment, unemployment or a forecast. Missing operating expenses, vacancy, lease terms, seasonal rent evidence, building condition and sale comparables prevent a net-yield, debt-service or exit-price conclusion.

Cities & communities

Where people live within Cape May County

Census-recognized incorporated places and CDPs that intersect this county. The list does not pretend to include every neighborhood or informal community.

Population scale

Largest Census places

ACS 2024 5-year
Ocean City city11.3KVillas CDP9.7KCape May Court House CDP5.6KWildwood city5.1KNorth Cape May CDP3.7KNorth Wildwood city3.6KRio Grande CDP3.5KWildwood Crest borough3.1K
Bars use total place population, not a county-share estimate. An asterisk marks a place that crosses a county line.
Official directory

33 Census places

Population
  1. 01
    Ocean City cityIncorporated place
    11,261
  2. 02
    Villas CDPCensus-designated place
    9,735
  3. 03
    Cape May Court House CDPCensus-designated place
    5,628
  4. 04
    Wildwood cityIncorporated place
    5,130
  5. 05
    North Cape May CDPCensus-designated place
    3,731
  6. 06
    North Wildwood cityIncorporated place
    3,602
  7. 07
    Rio Grande CDPCensus-designated place
    3,485
  8. 08
    Wildwood Crest boroughIncorporated place
    3,077
  9. 09
    Cape May cityIncorporated place
    2,767
  10. 10
    Whitesboro CDPCensus-designated place
    2,766
  11. 11
    Palermo CDPCensus-designated place
    2,696
  12. 12
    Seaville CDPCensus-designated place
    2,589
Show 21 more places
  1. 13
    Marmora CDPCensus-designated place
    2,039
  2. 14
    Woodbine boroughIncorporated place
    2,023
  3. 15
    Sea Isle City cityIncorporated place
    2,000
  4. 16
    Erma CDPCensus-designated place
    1,959
  5. 17
    South Dennis CDPCensus-designated place
    1,528
  6. 18
    Avalon boroughIncorporated place
    1,488
  7. 19
    Beesleys Point CDPCensus-designated place
    1,335
  8. 20
    West Cape May boroughIncorporated place
    1,011
  9. 21
    Stone Harbor boroughIncorporated place
    893
  10. 22
    Dennisville CDPCensus-designated place
    736
  11. 23
    Ocean View CDPCensus-designated place
    728
  12. 24
    West Wildwood boroughIncorporated place
    588
  13. 25
    South Seaville CDPCensus-designated place
    564
  14. 26
    Belleplain CDPCensus-designated place
    495
  15. 27
    Marshallville CDPCensus-designated place
    480
  16. 28
    Diamond Beach CDPCensus-designated place
    350
  17. 29
    Goshen CDPCensus-designated place
    340
  18. 30
    Strathmere CDPCensus-designated place
    266
  19. 31
    Tuckahoe CDPCensus-designated place
    175
  20. 32
    Burleigh CDPCensus-designated place
    159
  21. 33
    Cape May Point boroughIncorporated place
    138

Population is the total place-wide ACS estimate, not an allocated county share. A place crossing a county line is labelled explicitly. Source: Census ACS 5-year — cities and communities · ACS 2024 5-year · pulled 2026-07-30.

Risk, demand and competition

The three things a price does not tell you

01
Risk & carrying costFEMA NRI + Census ACS
Dominant hazardinland flooding

0.250% of building value expected lost per year

Effective property tax1.22%

$5,306 median annual bill

02
DemandIRS SOI household flows
Net migration-102

2,560 in · 2,662 out

Arriving vs leaving income+$14,869

$118,872 arriving · $104,003 leaving

03
CompetitionHMDA financed purchases
Purchases by investors17.1%

340 of 1,985 mortgages

investorother financed
Current listing pressure

What sellers and visible supply are doing

Realtor.com® Economic Research · county inventory 2026-06 · pulled 2026-07-28
Active listings896▼ 5.4% year over year
Median days on market65▲ 3.2% year over year
Listings price-reduced13.6%seller-concession signal
Median listing pricen/a▲ 10.3% year over year

Listing price is an asking price, not a closed sale. Quality-flagged county rows are withheld instead of displayed.

Same metro

The other counties in Atlantic City, NJ

A metro is an average of these. Which side of a county line a property sits on can change the tax bill, the hazard profile and the tenant pool.

CountyPopulationPriceRentYieldHazard
Cape May County94,941$805k$2,1793.3%inland flooding
Atlantic County276,270$388k$2,0856.5%inland flooding
Bear case

What can break the county thesis

  1. Subject-level flood exposure or insurance costs could exceed what the county climate-loss model indicates.
  2. County median asking rent may not be achievable for the subject property, particularly without lease and seasonal-rent evidence.
  3. MLS asking data, migration figures and investor mortgage participation may not translate into subject-level resale liquidity.
Underwriting questions

Before pricing a property

What market rent and gross yield are published for the county?

Median asking rent is $2,179 per month and supplied gross yield is 3.25% before costs.

Can HUD two-bedroom FMR be used as Cape May County market rent?

No. HUD two-bedroom FMR is a payment standard, not an estimate of asking rent.

What does the record show about investor purchase participation?

Investor mortgages accounted for 340 of 1,985 purchases, or 17.13%.