Counties / New Jersey / Sussex County

Sussex County, NJ

FIPS 34037 · population 145,807 · part of New York, NY

$452k
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
$452k
▲ 3.0% year over year
Zillow ZHVI · direct
Median asking rent
$2,223
▲ 3.4% year over year
Zillow ZORI · direct
Gross yield
5.9%
annual rent ÷ price, before costs
derived: rent × 12 ÷ price ✓
HUD 2-bed standard
$2,205
market rent is 1.01x 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+66.4%not annualized · through 2025
0%ZILLOW ZHVI2026-06+3.0%FHFA HPI2025+6.6%
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$369k
Surveyed gross rent$1,585
Rent burden 30%+54.9%
Median year built1973
Housing composition

Who occupies the stock—and what it is

ACS 2024 5-year
8.1%vacant
62,865estimated housing units
Occupied tenure16.3% renter
owner 83.7%renter 16.3%
Structure mix84.4% single-family
Single-family 84.4%20+ units 2.7%Mobile home 1.7%Other 11.2%
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 jobs38,700▲ 0.9% from the prior annual release
Covered establishments3,657annual average reporting locations
Average weekly wage$1,164▲ 3.1% from the prior annual release
Largest private supersectorTrade, transportation, and utilities23.5% of disclosed private covered jobs
Local labor base

Jobs, pay and private-sector concentration

2025
0%COVERED JOBS+0.9%WEEKLY WAGE+3.1%Trade, transportation, and utilities23.5%
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

Sussex County presents a yield-versus-carrying-cost tension: Zillow’s June 2026 county median home value was $451,872 and median asking rent was $2,223 per month, alongside a supplied 5.90% gross yield before costs. The effective property-tax rate was 2.32%, which makes property-specific tax bills, insurance, and maintenance central to the result. Cash-flow buyers should investigate those line items; buyers relying on thin expense assumptions should be cautious.

02Housing economics

At the same Zillow county observation, home value increased 3.04% year over year and asking rent increased 3.40%. FHFA’s 2025 annual repeat-transaction HPI was up 6.57% from its prior annual reading and 66.44% over five years; it is an appreciation index, not a home value, and its different vintage and method cannot be combined with Zillow into a single growth rate. HUD’s $2,205 two-bedroom FMR is a payment standard, not an asking-rent estimate; market rent is published here, so FMR should not replace it in the yield calculation.

03Demand & competition

Realtor.com’s June 2026 MLS snapshot showed 505 active listings, 37 median days on market, and 10.83% of listings reduced in price. These are visible supply, marketing-time, and seller-concession measures—not closed-sale prices or proof of buyer demand. Net migration was 124 tax-return households, while average income of arriving movers exceeded departing movers by $2,373, a limited household-movement signal. Investor purchase mortgages accounted for 7.44% of purchases, showing some non-owner competition but not the terms, locations, or cash buyers behind transactions.

04Risk & next checks

Inland flood is the dominant hazard, and modeled climate loss equals 0.12% of building value per year; this is a modeled expected-loss ratio, not a property-level damage estimate or insurance quote. QCEW reports annual covered workplace employment and average weekly wages rose, and names Trade, transportation, and utilities as the largest disclosed private supersector; neither measure is resident employment, unemployment, or a forecast. The record does not publish flood-zone or elevation data, insurance premiums, vacancy, operating expenses, property condition, closed-sale comps, or financing terms. Those gaps prevent net-income, insurability, and exit-price conclusions.

Cities & communities

Where people live within Sussex 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
Hopatcong borough14.6KLake Mohawk CDP9.5KNewton town8.4KFranklin borough5KHighland Lakes CDP3.9KStanhope borough3.6KUpper Greenwood Lake CDP*3.3KHamburg borough3.3K
Bars use total place population, not a county-share estimate. An asterisk marks a place that crosses a county line.
Official directory

18 Census places

Population
  1. 01
    Hopatcong boroughIncorporated place
    14,565
  2. 02
    Lake Mohawk CDPCensus-designated place
    9,508
  3. 03
    Newton townIncorporated place
    8,369
  4. 04
    Franklin boroughIncorporated place
    4,968
  5. 05
    Highland Lakes CDPCensus-designated place
    3,852
  6. 06
    Stanhope boroughIncorporated place
    3,552
  7. 07
    Upper Greenwood Lake CDPCensus-designated place · spans 2 counties
    3,319
  8. 08
    Hamburg boroughIncorporated place
    3,308
  9. 09
    Byram Center CDPCensus-designated place
    2,188
  10. 10
    Ogdensburg boroughIncorporated place
    2,160
  11. 11
    Sussex boroughIncorporated place
    2,145
  12. 12
    Vernon Valley CDPCensus-designated place
    1,532
Show 6 more places
  1. 13
    Vernon Center CDPCensus-designated place
    1,503
  2. 14
    Crandon Lakes CDPCensus-designated place
    1,293
  3. 15
    Layton CDPCensus-designated place
    967
  4. 16
    Branchville boroughIncorporated place
    814
  5. 17
    Andover boroughIncorporated place
    728
  6. 18
    Ross Corner CDPCensus-designated place
    24

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

0.120% of building value expected lost per year

Effective property tax2.32%

$8,568 median annual bill

02
DemandIRS SOI household flows
Net migration+124

3,925 in · 3,801 out

Arriving vs leaving income+$2,373

$83,706 arriving · $81,333 leaving

03
CompetitionHMDA financed purchases
Purchases by investors7.4%

132 of 1,774 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 listings505▲ 2.5% year over year
Median days on market37▲ 2.8% year over year
Listings price-reduced10.8%seller-concession signal
Median listing pricen/a▲ 5.5% 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 New York, NY

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
Sussex County145,807$452k$2,2235.9%inland flooding
Kings County2,631,580$957k$3,8084.8%inland flooding
Queens County2,323,052$744k$3,2565.3%inland flooding
New York County1,629,477$1217k$4,8334.8%inland flooding
Suffolk County1,530,146$727k$3,3495.5%inland flooding
Bronx County1,404,779$500k$2,8476.8%inland flooding
Nassau County1,389,591$860k$3,5645.0%inland flooding
Westchester County999,677$879k$3,1844.3%inland flooding
Bergen County962,316$791k$2,9164.4%inland flooding
Bear case

What can break the county thesis

  1. Property-level flood exposure or insurance premiums could materially exceed the county modeled-loss measure.
  2. Property taxes, vacancy, and unreported operating costs could erode the stated gross yield.
  3. County-level listing and migration signals may not translate into liquidity for a specific submarket or property.
Underwriting questions

Before pricing a property

Is market rent published for Sussex County?

Yes. The record publishes a Zillow county median asking rent and a gross yield before costs.

Can HUD Fair Market Rent be used as the county’s asking-market rent?

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

What does the QCEW employment evidence measure?

It measures annual covered jobs at workplaces in the county, not resident employment, unemployment, or a forecast.