Spring Lake Heights, NJ real estate: the numbers, explained.

Home values in Spring Lake Heights

The NJ Division of Taxation’s 2026 Average Residential Statistics show an average residential sale price of $941,212 across 17 sales used in that report. That is a small sample, so treat it as a rough marker.

The Census Bureau’s survey puts the median value of owner-occupied homes, as estimated by owners, at $721,100 (2020–2024 average), compared with a Monmouth County town median of $666,900.

Spring Lake Heights property taxes

Spring Lake Heights’s 2025 general tax rate was 1.024 per $100 of assessed value, and its effective tax rate was 1.075%, lower than the Monmouth County town median of 1.607% and lower than the statewide municipal median of 2.141%. That ranks it #12 lowest of 52 Monmouth County municipalities by effective rate. The average residential tax bill was $9,084 on an average assessment of $887,147 across 2,140 residential properties.

Applied to the average sale price of $941,212, the effective rate implies roughly $10,118 a year ($843 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 $941,212 home with 20% down ($188,242) 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 $5,101 a month. With estimated property tax that’s about $5,944, before insurance, any HOA fee and utilities. For comparison, the Census median gross rent in Spring Lake Heights is $1,863.

Run my numbers for Spring Lake HeightsRent vs buy here

Who lives in Spring Lake Heights

About 4,861 people live in Spring Lake Heights. 61.6% of occupied homes are owner-occupied (county town median 72.3%). 43.9% of housing units are single-family detached houses. The median resident age is 46, and 62.7% of adults 25 and older hold a bachelor’s degree or higher. Median household income is $106,758, lower than the county town median of $121,908.

The median home in Spring Lake Heights was built in 1972. 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 Spring Lake Heights

Workers in Spring Lake Heights average 29 minutes each way (those who don’t work from home), shorter than the Monmouth County town median of 32.0 minutes. 4.8% commute by public transportation, so most commuters drive and 21% work from home.

Schools

I don’t republish unofficial school scores. For Spring Lake Heights, 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 Spring Lake Heights’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: a below-county-median effective tax rate stretches your budget further here than in many Monmouth towns. Compare with the town comparison tool.
• Sellers: with fewer public market indexes for Spring Lake Heights, a comparable-sales analysis matters more. Get a free home value.
• Low turnover: about 17 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