Little Silver, NJ real estate: the numbers, explained.

Home values in Little Silver

Zillow Home Value Index (all homes, middle tier, smoothed, seasonally adjusted) for the Zillow region “Little Silver”, September 30 of each year. Source: Zillow Research.

Zillow’s Home Value Index for Little Silver was $1,198,935 as of September 30, 2026, up 15.7% from a year earlier and up 54.2% over five years. Over ten years the index rose 99.1%. ZHVI models a typical home value. It isn’t the price of any specific house.

The NJ Division of Taxation’s 2026 Average Residential Statistics show an average residential sale price of $1,410,065 across 27 sales used in that report. Averages can be pulled up or down by a few sales, which is one reason it can differ from Zillow’s index.

The Census Bureau’s survey puts the median value of owner-occupied homes, as estimated by owners, at $955,900 (2020–2024 average), compared with a Monmouth County town median of $666,900.

Little Silver property taxes

Little Silver’s 2025 general tax rate was 1.437 per $100 of assessed value, and its effective tax rate was 1.638%, about the same as the Monmouth County town median of 1.607% and lower than the statewide municipal median of 2.141%. That ranks it #27 lowest of 52 Monmouth County municipalities by effective rate. The average residential tax bill was $16,481 on an average assessment of $1,146,935 across 2,338 residential properties.

Applied to the typical home value of $1,198,935, the effective rate implies roughly $19,639 a year ($1,637 a month) in property tax. The Division publishes the effective rate for comparing towns, not for computing a specific bill, so use it as a ballpark.

What it costs to own vs. rent

For a $1,198,935 home with 20% down ($239,787) and a 30-year fixed loan at 7.18%, Freddie Mac’s national average for the week of November 5, 2026, principal and interest come to about $6,498 a month. With estimated property tax that’s about $8,134, before insurance, any HOA fee and utilities. For comparison, the Census median gross rent in Little Silver is $3,501.

Run my numbers for Little SilverRent vs buy here

Who lives in Little Silver

About 6,105 people live in Little Silver. 96.3% of occupied homes are owner-occupied (county town median 72.3%), so the market is mostly owner-occupied single homes. 89.3% of housing units are single-family detached houses. The median resident age is 46.1, and 81% of adults 25 and older hold a bachelor’s degree or higher. Median household income is $240,853, higher than the county town median of $121,908.

The median home in Little Silver was built in 1958. Much of the housing predates 1978, so buyers should plan for older-home checks: lead-based paint disclosure, an oil-tank sweep if the house ever had oil heat, knob-and-tube or older electrical, galvanized plumbing, and a sewer-line scope. See the NJ inspection checklist.

Commuting from Little Silver

Workers in Little Silver average 35.8 minutes each way (those who don’t work from home), longer than the Monmouth County town median of 32.0 minutes. 9.8% commute by public transportation, so transit is a real option for some commuters and 31.9% work from home.

Schools

I don’t republish unofficial school scores. For Little Silver, start with the New Jersey Department of Education’s School Performance Reports, then confirm the exact school assignment for any address with the district, since some NJ towns send students to regional or neighboring high schools. See how to research NJ schools.

Downtown, food and things to do

The best way to judge Little Silver’s restaurants, parks and weekend life is in person. Visit on a weeknight and a Saturday morning, check the town recreation calendar and walk the blocks you’d live on. My town scouting checklist shows what to look for.

My take for buyers, sellers and renters

• Buyers: taxes run above the county median, so budget on the tax bill, not just the price. Ask for the current bill on every listing.
• Sellers: values are up 54.2% in five years, so many owners have significant equity. See your number in the seller net sheet.
• Low turnover: about 27 residential sales were in the state’s 2026 report, so good listings can be scarce. Set alerts and be ready to act.

Nearby towns at a similar price