A full example year, read-only. Ten weeks rented in 2026 through Seabright Rentals, a fictional local agency, at 12% of rent plus $375 a changeover. The family keeps the Fourth of July week, Labor Day week and six days in October. Changes here are not kept.Start with your own house
The report · Surf City
A five-bedroom on the ocean block in Surf City.
Value $2,400,000 · 2026 season
Rent covers this much of what the house costs you
Before the mortgage
Rent covers 148% of what the house costs you before the mortgage
of what the house costs you
$68,199a year
Cost of ownership: running costs
After the mortgage
Rent covers 63% of what the house costs you after the mortgage
of what the house costs you
$159,217a year
Cost of ownership: running costs plus mortgage payments
Rent pays the running costs and $32,401 of the mortgage; the other $58,617 a year is yours to pay.
iBefore anyone books
Your house costs $139,995 a year before anyone books. Each rented week clears $8,138. Rent covers the year once about 17 weeks are booked; this season books about 10.
Before anyone books: every yearly cost, the family’s own weeks and the mortgage. What a week clears: its rent after 12% in fees, less $715 of cleaning, supplies, utilities and wear. Where the lines meet is the .
iiThree changes and what each is worth
- 1
One of the family's July or August weeks rented
At 100% booked, net of fees, cleaning and the costs a guest week carries.
+$8,953a year
- 2
1 family week moved from July and August to June and September
Same time at the house, in weeks guests want less. A July or August week rents for $10,288.
+$6,242a year
- 3
Weekly rates 5% higher
100% of July or August weeks book today. Assumes bookings hold at the higher rates.
+$4,426a year
Each is the change in what the house leaves you a year, worked out by the same model as everything here.
iiiWhat your family weeks cost
$12,279
a year for 3 weeks at the house: $10,434 in rent given up and $1,845 to clean, light and wear it while you are there.
July and August
1 kept · $8,953 a week
$8,953
June and September
1 kept · $2,711 a week
$2,711
Off-season
1 kept · $615 a week
$615
is counted after the fees and cleaning a guest week would carry. Moving the July and August week to June and September saves $6,242 a year, with the same time at the house.
The detail
Open any of these for the figures behind the answer.
Rent
2026, Saturday to Saturday. Peak weeks start in July or August; shoulder weeks in June or September.
JFMAMJJASOND
Rent
July and August
8 weeks offered, 100% booked, at an average of $10,288 a week
$82,300
June and September
7 weeks offered, 29% booked, at an average of $9,150 a week
$18,300
Off-season
Not rented
$0
10 weeks booked
$100,600
Week by week
Edit your ratesYour price for 10 of the 17 summer weeks; the rest at the typical price for their season. Rent is counted on the share of weeks that usually book, after the family’s own.
JunJulAugSep
Your priceTypical for the seasonFourth of July week $10,288, Labor Day week $9,150
| Week | Rent |
|---|---|
| Jun 6 – 13Typical for the season | $9,150 |
| Jun 13 – 20Typical for the season | $9,150 |
| Jun 20 – 27 | $8,500 |
| Jun 27 – Jul 4 | $9,800 |
| Week | Rent |
|---|---|
| Jul 4 – 11Fourth of July week · Typical for the season | $10,288 |
| Jul 11 – 18 | $10,500 |
| Jul 18 – 25 | $10,500 |
| Jul 25 – Aug 1 | $10,500 |
| Week | Rent |
|---|---|
| Aug 1 – 8 | $10,500 |
| Aug 8 – 15 | $10,500 |
| Aug 15 – 22 | $10,500 |
| Aug 22 – 29 | $10,500 |
| Aug 29 – Sep 5 | $8,800 |
| Week | Rent |
|---|---|
| Sep 5 – 12Labor Day week · Typical for the season | $9,150 |
| Sep 12 – 19Typical for the season | $9,150 |
| Sep 19 – 26Typical for the season | $9,150 |
| Sep 26 – Oct 3Typical for the season | $9,150 |
Our fit to 159 LBI rental listings' peak-week asking rates (Vacation Rentals LBI and others), read November 2026. Estimate. Asking rates, not booked ones. Listings by bedrooms: 1 (1), 2 (7), 3 (23), 4 (49), 5 (43), 6 (28), 7 (7), 8 (1). With one listing each, 1 and 8 bedrooms are set from their neighbours: 8 is 7 plus the 6-to-7 step ($1,800); 1 sits between the fit's per-bedroom step down from 2 bedrooms ($2,250) and the 2-to-3 ratio carried down ($1,650), beside the one 1-bedroom listing at the ocean block ($2,014). 2 and 7 bedrooms (7 listings each, mostly price ranges) are low confidence.Based on 159 data points: LBI listings, 2026–27 asking rates.
The island's median July or August week
Weeks range from $1,000 to $55,000. 2026 asking prices held or eased up to 10% after a soft 2025; 83% of the eight summer weeks were booked by April 1. Duane Watlington, Vacation Rentals Jersey Shore, in the Philadelphia Inquirer, May 17, 2026, May 2026. Based on 1 data point.
$7,000
Surf City, 4 bedrooms, ocean side
Oceanfront $12,000 to $20,000 a peak week. Ship Bottom 3 bedrooms from $4,300. Prodigy Real Estate, LBI short-term rental yield by town, May 2, 2026, May 2026. Based on 1 data point.
$2,800 to $8,500
Beach Haven, 4 bedrooms, 2.5 blocks from the beach
Asking price for July 18 to September 4, 2026. Vacation Rentals LBI listing 3746, 2026. Based on 1 data point.
$9,200
North Beach Haven, 4 bedrooms
July 20 to August 10, 2024. Rental Retreat listing 8409, July 2024. Based on 1 data point.
$8,900
Ship Bottom, 4 bedrooms, a few houses from the beach
3.5 baths, July 2024. Rental Retreat listing 6736, July 2024. Based on 1 data point.
$5,500
Surf City, 3 bedrooms
Summer 2026. Vacation Rentals LBI listing 3447, 2026. Based on 1 data point.
$4,200
Surf City, 2 bedrooms
2026; holiday weeks $4,600. Nest Seekers listing 5219896, 2026. Based on 1 data point.
$3,600
Typical prices week by week follow Our reading of 15 LBI listings' week-by-week asking rates (Vacation Rentals LBI), 2024–27. Estimate.Based on 15 data points: LBI listings with near-full summer calendars, 2024–27 asking rates.
Guest taxes
Collected from guests, paid to the state. Not your income.
None on this route. Rentals executed by a licensed New Jersey real estate broker are excluded. On Airbnb or Vrbo, guests would pay 11.625% on top of rent.
26 of 27 rest on data: 12 on official tables or 40 or more data points, 6 on 10 to 39, 8 on fewer than 10. 1 is our assumption, with no data found. Every figure, on the method page.
- Peak weekly rent by bedrooms, ocean block
- 1: $2,000 · 2: $3,000 · 3: $5,500 · 4: $8,200 · 5: $10,400 · 6: $12,800 · 7: $14,600 · 8: $16,400
- EstimateOur fit to 159 LBI rental listings' peak-week asking rates (Vacation Rentals LBI and others), read November 2026. As of November 2026.Based on 159 data points: LBI listings, 2026–27 asking rates.
- Rent index, Barnegat Light
- 0.80
- EstimateOur fit to 159 LBI rental listings' peak-week asking rates (Vacation Rentals LBI and others), read November 2026. As of November 2026.Based on 17 data points: listings in the town, 2026–27 asking rates.
- Rent index, Loveladies
- 1.02
- EstimateOur fit to 159 LBI rental listings' peak-week asking rates (Vacation Rentals LBI and others), read November 2026. As of November 2026.Based on 41 data points: listings in the town, 2026–27 asking rates.
- Rent index, Harvey Cedars
- 1.05
- EstimateOur fit to 159 LBI rental listings' peak-week asking rates (Vacation Rentals LBI and others), read November 2026. As of November 2026.Based on 8 data points: listings in the town, 2026–27 asking rates.
- Rent index, North Beach
- 1.12
- EstimateOur fit to 159 LBI rental listings' peak-week asking rates (Vacation Rentals LBI and others), read November 2026. As of November 2026.Based on 2 data points: listings in the town: too few to move it.
- Rent index, Surf City
- 1.00
- EstimateOur fit to 159 LBI rental listings' peak-week asking rates (Vacation Rentals LBI and others), read November 2026. As of November 2026.Based on 34 data points: listings in the town, 2026–27 asking rates.
- Rent index, Ship Bottom
- 0.85
- EstimateOur fit to 159 LBI rental listings' peak-week asking rates (Vacation Rentals LBI and others), read November 2026. As of November 2026.Based on 13 data points: listings in the town, 2026–27 asking rates.
- Rent index, Brant Beach
- 1.00
- EstimateOur fit to 159 LBI rental listings' peak-week asking rates (Vacation Rentals LBI and others), read November 2026. As of November 2026.Based on 25 data points: listings in the town, 2026–27 asking rates.
- Rent index, Beach Haven
- 0.95
- EstimateOur fit to 159 LBI rental listings' peak-week asking rates (Vacation Rentals LBI and others), read November 2026. As of November 2026.Based on 13 data points: listings in the town, 2026–27 asking rates.
- Rent index, Holgate
- 1.05
- EstimateOur fit to 159 LBI rental listings' peak-week asking rates (Vacation Rentals LBI and others), read November 2026. As of November 2026.Based on 6 data points: listings in the town, 2026–27 asking rates.
- Location factor
- Oceanfront ×1.45 · Ocean block ×1 · Interior ×0.88 · Bayside ×0.85 · Bayfront ×0.93 · Lagoon ×0.8
- EstimateOur fit to 159 LBI rental listings' peak-week asking rates (Vacation Rentals LBI and others), read November 2026. As of November 2026.Based on 159 data points: LBI listings, 2026–27 asking rates.
- Amenity premiums
- Pool +35% · hot tub +4% · elevator +3% · pets +3% · renovated +1% · walk to beach +5%
- EstimateOur fit to 159 LBI rental listings' peak-week asking rates (Vacation Rentals LBI and others), read November 2026. As of November 2026.Based on 159 data points: LBI listings, 39 with a pool; the other premiums are ours.
- Quieter-season (shoulder) and off-season rent, share of peak
- 8% · 5%
- EstimateOur fit to 159 LBI rental listings' peak-week asking rates (Vacation Rentals LBI and others), read November 2026. As of November 2026.Based on 15 data points: LBI listings' full summer calendars; 12 with off-season weekly rates.
- Booked share of offered weeks, local agency
- Peak 88% · shoulder 45% · off 4%
- EstimateVacation Rentals Jersey Shore in the Philadelphia Inquirer (83% of the eight summer weeks booked by April 1, 2026); Prodigy Real Estate (well-placed houses book 11–13 of 14 peak weeks). As of May 2026.Based on 3 data points: agency booking reports for the peak; the quieter weeks are ours.
- Booked share of offered weeks, airbnb or vrbo
- Peak 7% · shoulder 45% · off 2%
- EstimateAirROI, monthly occupancy of Airbnb listings in six LBI towns, 12 months to October 2026. As of October 2026.Based on 60 data points: AirROI monthly occupancy, 6 LBI towns: 12 for July–August, 12 for June and September, 36 for October–May.
- Booked share of offered weeks, self-managed
- Peak 85% · shoulder 4% · off 3%
- EstimateOur model. As of May 2026.Our assumption, no data found.
- New Jersey sales tax
- 6.625%
- NJ Division of Taxation, Sales and Use Tax. As of November 2026.Official table.
- State Occupancy Fee
- 5%
- NJ Division of Taxation, Hotel/Motel State Occupancy Fee and Municipal Occupancy Tax. As of November 2026.Official table.
- Municipal occupancy tax, Barnegat Light
- None found
- EstimateNJ Division of Taxation, Municipal Occupancy Tax list. As of November 2026.Based on 1 data point: not on the state's official list; the borough may differ.
- Municipal occupancy tax, Harvey Cedars
- None found
- EstimateNJ Division of Taxation, Municipal Occupancy Tax list. As of November 2026.Based on 1 data point: not on the state's official list; the borough may differ.
- Municipal occupancy tax, Surf City
- None found
- EstimateNJ Division of Taxation, Municipal Occupancy Tax list. As of November 2026.Based on 1 data point: not on the state's official list; the borough may differ.
- Municipal occupancy tax, Ship Bottom
- 3%
- NJ Division of Taxation, Municipal Occupancy Tax list. As of November 2026.Official table.
- Municipal occupancy tax, Long Beach Township
- None found
- EstimateNJ Division of Taxation, Municipal Occupancy Tax list. As of November 2026.Based on 1 data point: not on the state's official list; the township may differ.
- Municipal occupancy tax, Beach Haven
- 3%
- NJ Division of Taxation, Municipal Occupancy Tax list. As of November 2026.Official table.
- Guest taxes: Airbnb or Vrbo
- Taxed
- NJ Division of Taxation, Transient Accommodations FAQ (P.L.2019, c.235). As of November 2026.Official table.
- Guest taxes: Local agency
- Excluded
- NJ Division of Taxation, Transient Accommodations FAQ (P.L.2019, c.235). As of November 2026.Official table.
- Guest taxes: Self-managed
- Excluded
- NJ Division of Taxation, Transient Accommodations FAQ (P.L.2019, c.235). As of November 2026.Official table.
Costs
Every cost of keeping the house for a year, grouped by how it behaves, with the mortgage last.
Owed every year
Whether or not anyone books.
Property tax
0.65% of value
$15,600
Flood insurance
$982,500 of rebuild value above the federal limit is uninsured
$1,800
Homeowners and wind insurance
On $1,232,500 to rebuild, not the land
$6,779
Umbrella liability
$450
Internet and television
$1,600
Smart lock and house tech
$300
Landscaping and pest control
$1,500
Roof, heating and cooling, decks, water heater, appliances, furnishings
$8,691
Rental registration and inspection
$50
Accounting
$1,000
A year, plus each occupied week
A base, and more for every week renters or family are there.
Utilities
$3,200 a year + $180 each of 10 weeks rented + $180 each family week
$5,540
$6,163 a year + $60 each of 10 weeks rented + $60 each family week
$6,943
By the week
Only when the house is used, or as a share of rent.
12% of rent
$12,072
Cleaning and linens
$375 each of 10 weeks rented + $375 each family week
$4,875
Guest supplies
$100 each of 10 weeks rented
$1,000
Everything but the mortgage
$68,199
$7,585 a month on $1,200,000
$91,018
All costs
$159,217
Before the mortgage
What the house earns on its own, however it is paid for.
$100,600 of rent, less $68,199
$32,401
What a buyer paying cash would earn
1.4%
One-time, not counted above: $0 in closing costs and $0 to furnish.
26 of 43 rest on data: 9 on official tables or 40 or more data points, 1 on 10 to 39, 16 on fewer than 10. 17 are our assumption, with no data found. Every figure, on the method page.
- Flood insurance by location
- Oceanfront $3,500 · Ocean block $1,800 · Interior $1,600 · Bayside $2,200 · Bayfront $2,800 · Lagoon $2,800
- EstimateOur model; checked against NFIP average premiums by town (Ocean County and state hazard plans, ValuePenguin, Policygenius) and broker ranges (Prodigy Real Estate, 2026). As of November 2026.Based on 9 data points: NFIP town averages, a cross-check only; the split by location is ours.
- Flood, by the lowest floor against the flood level
- Above ×0.6 · at ×1 · below ×2.6
- EstimateOur model, informed by FEMA Risk Rating 2.0, which prices the first-floor height against the flood line. As of November 2026.Our assumption, no data found.
- Flood, when the elevation is not known
- Built before 1983: below · 2013 on: above · between: at
- EstimateOur model. As of November 2026.Our assumption, no data found.
- Federal flood program building limit
- $250,000
- FEMA, National Flood Insurance Program coverage limits. As of November 2026.Official table.
- Extra flood insurance, per $1,000 above the federal limit
- $2.50
- EstimateOur model; private insurers set excess flood rates by elevation, foundation and distance to water (ValuePenguin). As of November 2026.Our assumption, no data found: no published rate found.
- Default living area
- 600 sq ft + 450 a bedroom
- EstimateOur model. As of November 2026.Our assumption, no data found.
- Rebuild cost of the building
- $425 a sq ft
- EstimateOur model, informed by HomeAdvisor's 2025 beach-house build costs ($150–$700 a sq ft for coastal homes). As of 2025.Based on 2 data points: published cost ranges (HomeAdvisor; Prodigy Real Estate $350–400 for new island houses).
- Age of the house: insurance · maintenance
- 0–10 yrs ×0.9 · ×0.8; 11–30 yrs ×1 · ×1; 31–50 yrs ×1.15 · ×1.2; 51+ yrs ×1.3 · ×1.35
- EstimateOur model. As of November 2026.Our assumption, no data found.
- Homeowners and wind
- 0.55% of rebuild value, at least $2,500
- EstimateOur reading of published premiums: ValuePenguin by LBI town, NerdWallet for coastal New Jersey, the NAIC homeowners report. As of September 2026.Based on 7 data points: published premiums, read as a share of the dwelling cover.
- Cleaning per changeover
- $150 + $40 a bedroom
- EstimateAirROI, cleaning fees on Airbnb listings in six LBI towns (12 months to October 2026); fees stated on island rental listings. As of October 2026.Based on 12 data points: 6 town averages over 448 Airbnb listings and 6 listing-stated fees.
- Linens per rented week
- $25 a bedroom
- EstimateOur model. As of November 2026.Our assumption, no data found.
- Linens per rented week, local agency
- $0 a bedroom
- EstimateVacation Rentals LBI listing 3804 ('does not include linens'); Berger Realty lease terms (tenant furnishes linens). As of 2026.Based on 2 data points: a by-owner listing and a shore agency lease: weekly tenants bring their own.
- Guest supplies per rented week
- $50 + $10 a bedroom
- EstimateOur model. As of November 2026.Our assumption, no data found.
- Utilities, a year
- $2,200 + $200 a bedroom; pool +$3,000; hot tub +$1,200
- EstimateOur model; rates from Atlantic City Electric, New Jersey Natural Gas and the island towns' water and sewer ordinances. As of November 2026.Based on 6 data points: published rates: 4 towns' water and sewer minimums, the electric and the gas tariff; the usage is ours.
- Utilities, each occupied week
- $80 + $20 a bedroom
- EstimateOur model. As of November 2026.Our assumption, no data found.
- Internet and television
- $1,600
- EstimateOur model. As of November 2026.Our assumption, no data found.
- House tech, local agency
- $300
- EstimateOur model. As of November 2026.Our assumption, no data found.
- House tech, airbnb or vrbo
- $900
- EstimateOur model. As of November 2026.Our assumption, no data found.
- House tech, self-managed
- $900
- EstimateOur model. As of November 2026.Our assumption, no data found.
- Landscaping and pest control
- $1,500
- EstimateOur model. As of November 2026.Our assumption, no data found.
- Maintenance reserve
- 0.5% of rebuild value, at least $3,000; $60 each occupied week
- EstimateOur model. As of November 2026.Our assumption, no data found.
- Capital reserve: cost and salt-air life
- Roof $9/sq ft, 18 yrs · Heating and cooling $6/sq ft, 10 yrs · Decks $5/sq ft, 15 yrs · Water heater $2,500, 8 yrs · Appliances $9,000 + $500/bedroom, 10 yrs · Furnishings refresh $4,000 + $3,500/bedroom, 7 yrs · Pool equipment $18,000, 10 yrs · Elevator $15,000, 12 yrs
- EstimateOur model; salt-air lives informed by Lessen, How salt air is damaging your HVAC units. As of November 2026.Based on 1 data point: one article on salt-air wear; the costs and lives are ours.
- Shortest catch-up for a worn component
- 3 years
- EstimateOur model. As of November 2026.Our assumption, no data found.
- Rental registration and inspection, Barnegat Light
- $150
- EstimateOur model; Ocean County Fire Marshal. As of November 2026.Based on 1 data point: the county's $45 certificate only; no borough fee found.
- Rental registration and inspection, Harvey Cedars
- $150
- EstimateOur model; Ocean County Fire Marshal. As of November 2026.Based on 1 data point: the county's $45 certificate only; no borough fee found.
- Rental registration and inspection, Surf City
- $50
- Borough of Surf City, 2026 rental and fire inspection applications. As of February 2026.Official table.
- Rental registration and inspection, Ship Bottom
- $150
- EstimateOur model; Ocean County Fire Marshal. As of November 2026.Based on 1 data point: the county's $45 certificate only; no borough fee found.
- Rental registration and inspection, Long Beach Township
- $145
- Long Beach Township, Business and Rental Property Owner Registration; Ocean County Fire Marshal. As of 2026.Official table.
- Rental registration and inspection, Beach Haven
- $80
- EstimateBorough of Beach Haven seasonal rental application, via Prodigy Real Estate (2026); Ocean County Fire Marshal. As of May 2026.Based on 2 data points: the borough's seasonal application fee and the county certificate.
- Umbrella liability
- $450
- EstimatePublished umbrella price ranges: Mercury, Coverage Cat, Steadily, Ramsey Solutions, Baselane. As of October 2026.Based on 5 data points: published price ranges for a $1–2 million umbrella.
- Accounting
- $1,000
- EstimateOur model. As of November 2026.Our assumption, no data found.
- Furnishing, buyers
- $8,000 + $7,000 a bedroom
- EstimateOur model. As of November 2026.Our assumption, no data found.
- Closing costs, buyers with a mortgage
- 1.5%
- EstimateProdigy Real Estate, LBI closing costs for buyers and sellers (a $2.5M purchase worked through); NJ average closing costs (LodeStar via Rocket Mortgage). As of May 2026.Based on 3 data points: a worked $2.5M island closing (cash and financed) and the New Jersey average.
- Closing costs, buyers paying cash
- 0.7%
- EstimateProdigy Real Estate, LBI closing costs for buyers and sellers (a $2.5M purchase worked through); NJ average closing costs (LodeStar via Rocket Mortgage). As of May 2026.Based on 3 data points: a worked $2.5M island closing (cash and financed) and the New Jersey average.
- Local agency
- 12%
- EstimateProdigy Real Estate, LBI rental yield guide (about 10% for agency-booked weekly rentals); Ocean Beach Rental Agency, Lavallette (12%); Berger Realty, Ocean City (15%, 12% exclusive). As of May 2026.Based on 3 data points: New Jersey shore agency commission rates (10%, 12%, 15%).
- Airbnb or Vrbo
- 14%
- EstimateAirbnb host-only fee 15.5% (Rental Scale-Up, 2026); Vrbo flat 12% from October 29, 2026 (Expedia). As of November 2026.Based on 4 data points: published platform fee schedules, 2026.
- Self-managed
- 3%
- EstimateStripe standard card pricing (2.9% + $0.30); an owner-direct listing site subscription. As of November 2026.Based on 2 data points: published prices: card processing and a listing subscription.
- Barnegat Light
- 0.594%
- 2025 Ocean County Equalization Table, NJ Division of Taxation. As of 2025.Official table.
- Harvey Cedars
- 0.658%
- 2025 Ocean County Equalization Table, NJ Division of Taxation. As of 2025.Official table.
- Surf City
- 0.65%
- 2025 Ocean County Equalization Table, NJ Division of Taxation. As of 2025.Official table.
- Ship Bottom
- 0.702%
- 2025 Ocean County Equalization Table, NJ Division of Taxation. As of 2025.Official table.
- Long Beach Township
- 0.665%
- 2025 general tax rates and Ocean County equalization table, NJ Division of Taxation. As of 2025.Official table.
- Beach Haven
- 0.765%
- 2025 Ocean County Equalization Table, NJ Division of Taxation. As of 2025.Official table.
What if
Move these to test the house. Every figure on the page follows. Nothing is saved.
As modeled
−$58,617a year
If the market moves
Change in what the house leaves you a year, against today’s −$58,617.
TestWhat it leaves you a yearChange
Weekly rate 20% lower−$17,706, giving −$76,322 a year against −$58,617
Weekly rate 10% lower−$8,853, giving −$67,469 a year against −$58,617
Weekly rate 10% higher+$8,853, giving −$49,764 a year against −$58,617
Weekly rate 20% higher+$17,706, giving −$40,911 a year against −$58,617
June and September empty−$14,674, giving −$73,291 a year against −$58,617
Mortgage rate one point higher−$9,669, giving −$68,286 a year against −$58,617
Mortgage rate one point lower+$9,256, giving −$49,360 a year against −$58,617
A storm or replenishment year−$30,344, giving −$88,961 a year against −$58,617
A storm or replenishment year assumes 25% of summer bookings lost and $10,000 out of pocket for a flood deductible and repairs. The island’s beaches are rebuilt by the Army Corps every few years; work can close beach blocks for weeks.
2 of 6 rest on data: 0 on official tables or 40 or more data points, 0 on 10 to 39, 2 on fewer than 10. 4 are our assumption, with no data found. Every figure, on the method page.
- Storm year: summer bookings lost
- 25%
- EstimateReports of the 2013 season after Hurricane Sandy: NBC New York, NJ Monthly, NPR, CBS New York. As of May 2014.Based on 4 data points: reports of island bookings after Sandy (20–30% down).
- Storm year: out of pocket
- $10,000
- EstimateOur model. As of November 2026.Our assumption, no data found: no out-of-pocket storm cost found.
- Cash-on-cash for a Strong verdict
- 4%
- EstimateProdigy Real Estate, LBI rental yield by town (island net cap rates 1–3%). As of May 2026.Based on 1 data point: one broker's island cap rates.
- Suggested agency fee negotiation
- 2% of rent
- EstimateOur model. As of November 2026.Our assumption, no data found.
- Suggested rate rise
- 5%, when peak weeks book 9% or more
- EstimateOur model. As of November 2026.Our assumption, no data found.
- Smallest move worth showing
- $250
- EstimateOur model. As of November 2026.Our assumption, no data found.
Ten years
What the house leaves you each year, plus what a sale in year ten would leave after selling costs and the loan.
−$561,796
Value in year ten
At 4.0% a year
$3,552,586
Less selling costs and the loan
−$1,363,691
−$1,200,000
$427,099
Like a fund reports its returns
2.6%
First year, on $1,200,000
−4.9%
The first year, counting what you build
Cash is only part of it. Each payment pays down the loan, and the house may gain value.
−$58,617
Yours again when you sell
$13,413
4.0% on $2,400,000. Estimate.
$96,000
$50,796
4.2% on the $1,200,000 you put in, counting what you build and what the house gains as well as what it pays.
18 of 18 rest on data: 2 on official tables or 40 or more data points, 2 on 10 to 39, 14 on fewer than 10. 0 are our assumption, with no data found. Every figure, on the method page.
- 30-year fixed mortgage rate
- 7.11%
- Freddie Mac Primary Mortgage Market Survey, 30-year fixed. As of November 12, 2026.Official table.
- Premium for a rental property
- +0.38%
- EstimateFFIEC HMDA 2025 originations, median 30-year rates by occupancy (via Crowdfunded Wealth); lender quotes (Bankrate, The Mortgage Reports, LendingTree). As of November 2026.Based on 9 data points: published medians and quotes, 2025–26.
- Default down payment
- 25%
- EstimateFFIEC HMDA 2025 second-home purchases (via Crowdfunded Wealth). As of 2025.Based on 1 data point: one published median: 75% combined loan-to-value on second homes.
- Home value growth
- 4% a year
- EstimateFHFA house price index for Ocean and Cape May counties (FRED), Case-Shiller New York, Census values by island town, island MLS series. As of 2025.Based on 17 data points: price series of 19 years or more.
- Rent growth
- 2.5% a year
- EstimateIsland rent reports (News12, the Philadelphia Inquirer, NJBIZ), AirROI revenue changes, BLS lodging prices (FRED); 2027 asking rates on island listings. As of November 2026.Based on 12 data points: published rate and revenue changes, 2018–2026.
- Cost growth
- 3% a year
- EstimateBLS consumer prices, New York–Newark–Jersey City (FRED). As of 2026.Based on 1 data point: one price index: 3.1% a year over ten years.
- Selling costs in year ten
- 6.25%
- EstimateNew Jersey commission surveys (Clever Real Estate, Offerpad); NJ Division of Taxation, realty transfer fee; Prodigy Real Estate, LBI seller costs. As of August 2026.Based on 6 data points: published figures: 3 commission surveys, the transfer fee schedule, 2 worked island sales.
- Seller’s transfer tax in year ten, by price
- over $1,000,000: 1% · over $2,000,000: 2% · over $2,500,000: 2.5% · over $3,000,000: 3% · over $3,500,000: 3.5%
- Troutman Pepper, New Jersey increases mansion tax rates and shifts payment to sellers (A5804, effective July 1, 2025); Atlantic County Clerk RTF-EE fee sheet. As of July 1, 2025.Official table.
- Typical value by location
- Oceanfront ×1.9 · Interior ×0.85 · Bayside ×0.8 · Bayfront ×1.05 · Lagoon ×0.95; ±12% a bedroom
- EstimateOur model. As of November 2026.Based on 2 data points: published 2025 ratios of oceanfront and bayfront sales to the island average.
- Barnegat Light
- $1,800,000
- EstimateOur reading of 2025–26 island sales summaries (BuyLBI, Prodigy Real Estate, Redfin and others, from the LBI MLS). As of October 2026.Based on 8 data points: published sales figures for the town, 2025–26.
- Loveladies
- $3,350,000
- EstimateOur reading of 2025–26 island sales summaries (BuyLBI, Prodigy Real Estate, Redfin and others, from the LBI MLS). As of October 2026.Based on 3 data points: published sales figures for the town, 2025–26.
- Harvey Cedars
- $2,600,000
- EstimateOur reading of 2025–26 island sales summaries (BuyLBI, Prodigy Real Estate, Redfin and others, from the LBI MLS). As of October 2026.Based on 6 data points: published sales figures for the town, 2025–26.
- North Beach
- $2,700,000
- EstimateOur reading of 2025–26 island sales summaries (BuyLBI, Prodigy Real Estate, Redfin and others, from the LBI MLS). As of October 2026.Based on 3 data points: published sales figures for the town, 2025–26.
- Surf City
- $2,050,000
- EstimateOur reading of 2025–26 island sales summaries (BuyLBI, Prodigy Real Estate, Redfin and others, from the LBI MLS). As of October 2026.Based on 6 data points: published sales figures for the town, 2025–26.
- Ship Bottom
- $1,600,000
- EstimateOur reading of 2025–26 island sales summaries (BuyLBI, Prodigy Real Estate, Redfin and others, from the LBI MLS). As of October 2026.Based on 5 data points: published sales figures for the town, 2025–26.
- Brant Beach
- $2,150,000
- EstimateOur reading of 2025–26 island sales summaries (BuyLBI, Prodigy Real Estate, Redfin and others, from the LBI MLS). As of October 2026.Based on 3 data points: published sales figures for the town, 2025–26.
- Beach Haven
- $2,300,000
- EstimateOur reading of 2025–26 island sales summaries (BuyLBI, Prodigy Real Estate, Redfin and others, from the LBI MLS). As of October 2026.Based on 6 data points: published sales figures for the town, 2025–26.
- Holgate
- $1,800,000
- EstimateOur reading of 2025–26 island sales summaries (BuyLBI, Prodigy Real Estate, Redfin and others, from the LBI MLS). As of October 2026.Based on 1 data point: published sales figure for the town, 2025–26.
Taxes
Not tax advice. These are the federal rules a shore-house owner should raise with a CPA, with your numbers filled in. State rules differ.
- The 14-day rule
- You rent about 70 days, more than 14, so the rent is reported and the rental share of expenses can be deducted. Source: IRS Tax Topic 415, Renting residential and vacation property. Official table.
- Days the family uses it
- The family's 21 days exceed the greater of 14 days or 10% of rented days (14 days). The house is treated as a residence: rental deductions are limited to rental income, so a loss cannot be taken this year. Source: IRS Tax Topic 415, Renting residential and vacation property. Official table.
- The 7-day average stay
- Saturday-to-Saturday weeks average 7 days. At 7 or fewer, the activity is not a "rental activity" for the passive-loss rules; whether a loss can offset other income turns on how much you take part. Source: 26 CFR 1.469-1T(e)(3)(ii)(A). Official table.
- , on the building only
- Land never depreciates. On about $1,232,500 of building, 27.5 years gives about $44,818 a year, for the rental share of use. We use rebuild value for the building; your closing papers and the tax assessment split it properly. Source: IRS Publication 527, Residential Rental Property. Official table.
4 of 4 rest on data: 4 on official tables or 40 or more data points, 0 on 10 to 39, 0 on fewer than 10. 0 are our assumption, with no data found. Every figure, on the method page.
- Rented this many days or fewer: not reported
- 14 days
- IRS Tax Topic 415, Renting residential and vacation property. As of 2026.Official table.
- Personal use that makes it a residence
- More than 14 days or 1% of rented days, whichever is greater
- IRS Tax Topic 415, Renting residential and vacation property. As of 2026.Official table.
- Average stay for the short-stay rule
- 7 days or fewer
- 26 CFR 1.469-1T(e)(3)(ii)(A). As of 2026.Official table.
- Depreciation, building only
- 27.5 years
- IRS Publication 527, Residential Rental Property. As of 2026.Official table.
Assumptions
Our defaults are estimates. Replace any with your own figures; changes save on this device.
Your rate card prices 10 of 17 summer weeks and overrides the season rates below for those weeks. Your answer for October to May replaces the off-season rate. Edit your rates
61 of 83 rest on data: 16 on official tables or 40 or more data points, 9 on 10 to 39, 36 on fewer than 10. 22 are our assumption, with no data found. Every figure, on the method page.
- Peak weekly rent by bedrooms, ocean block
- 1: $2,000 · 2: $3,000 · 3: $5,500 · 4: $8,200 · 5: $10,400 · 6: $12,800 · 7: $14,600 · 8: $16,400
- EstimateOur fit to 159 LBI rental listings' peak-week asking rates (Vacation Rentals LBI and others), read November 2026. As of November 2026.Based on 159 data points: LBI listings, 2026–27 asking rates.
- Rent index, Barnegat Light
- 0.80
- EstimateOur fit to 159 LBI rental listings' peak-week asking rates (Vacation Rentals LBI and others), read November 2026. As of November 2026.Based on 17 data points: listings in the town, 2026–27 asking rates.
- Rent index, Loveladies
- 1.02
- EstimateOur fit to 159 LBI rental listings' peak-week asking rates (Vacation Rentals LBI and others), read November 2026. As of November 2026.Based on 41 data points: listings in the town, 2026–27 asking rates.
- Rent index, Harvey Cedars
- 1.05
- EstimateOur fit to 159 LBI rental listings' peak-week asking rates (Vacation Rentals LBI and others), read November 2026. As of November 2026.Based on 8 data points: listings in the town, 2026–27 asking rates.
- Rent index, North Beach
- 1.12
- EstimateOur fit to 159 LBI rental listings' peak-week asking rates (Vacation Rentals LBI and others), read November 2026. As of November 2026.Based on 2 data points: listings in the town: too few to move it.
- Rent index, Surf City
- 1.00
- EstimateOur fit to 159 LBI rental listings' peak-week asking rates (Vacation Rentals LBI and others), read November 2026. As of November 2026.Based on 34 data points: listings in the town, 2026–27 asking rates.
- Rent index, Ship Bottom
- 0.85
- EstimateOur fit to 159 LBI rental listings' peak-week asking rates (Vacation Rentals LBI and others), read November 2026. As of November 2026.Based on 13 data points: listings in the town, 2026–27 asking rates.
- Rent index, Brant Beach
- 1.00
- EstimateOur fit to 159 LBI rental listings' peak-week asking rates (Vacation Rentals LBI and others), read November 2026. As of November 2026.Based on 25 data points: listings in the town, 2026–27 asking rates.
- Rent index, Beach Haven
- 0.95
- EstimateOur fit to 159 LBI rental listings' peak-week asking rates (Vacation Rentals LBI and others), read November 2026. As of November 2026.Based on 13 data points: listings in the town, 2026–27 asking rates.
- Rent index, Holgate
- 1.05
- EstimateOur fit to 159 LBI rental listings' peak-week asking rates (Vacation Rentals LBI and others), read November 2026. As of November 2026.Based on 6 data points: listings in the town, 2026–27 asking rates.
- Location factor
- Oceanfront ×1.45 · Ocean block ×1 · Interior ×0.88 · Bayside ×0.85 · Bayfront ×0.93 · Lagoon ×0.8
- EstimateOur fit to 159 LBI rental listings' peak-week asking rates (Vacation Rentals LBI and others), read November 2026. As of November 2026.Based on 159 data points: LBI listings, 2026–27 asking rates.
- Amenity premiums
- Pool +35% · hot tub +4% · elevator +3% · pets +3% · renovated +1% · walk to beach +5%
- EstimateOur fit to 159 LBI rental listings' peak-week asking rates (Vacation Rentals LBI and others), read November 2026. As of November 2026.Based on 159 data points: LBI listings, 39 with a pool; the other premiums are ours.
- Quieter-season (shoulder) and off-season rent, share of peak
- 8% · 5%
- EstimateOur fit to 159 LBI rental listings' peak-week asking rates (Vacation Rentals LBI and others), read November 2026. As of November 2026.Based on 15 data points: LBI listings' full summer calendars; 12 with off-season weekly rates.
- Booked share of offered weeks, local agency
- Peak 88% · shoulder 45% · off 4%
- EstimateVacation Rentals Jersey Shore in the Philadelphia Inquirer (83% of the eight summer weeks booked by April 1, 2026); Prodigy Real Estate (well-placed houses book 11–13 of 14 peak weeks). As of May 2026.Based on 3 data points: agency booking reports for the peak; the quieter weeks are ours.
- Booked share of offered weeks, airbnb or vrbo
- Peak 7% · shoulder 45% · off 2%
- EstimateAirROI, monthly occupancy of Airbnb listings in six LBI towns, 12 months to October 2026. As of October 2026.Based on 60 data points: AirROI monthly occupancy, 6 LBI towns: 12 for July–August, 12 for June and September, 36 for October–May.
- Booked share of offered weeks, self-managed
- Peak 85% · shoulder 4% · off 3%
- EstimateOur model. As of May 2026.Our assumption, no data found.
- Local agency
- 12%
- EstimateProdigy Real Estate, LBI rental yield guide (about 10% for agency-booked weekly rentals); Ocean Beach Rental Agency, Lavallette (12%); Berger Realty, Ocean City (15%, 12% exclusive). As of May 2026.Based on 3 data points: New Jersey shore agency commission rates (10%, 12%, 15%).
- Airbnb or Vrbo
- 14%
- EstimateAirbnb host-only fee 15.5% (Rental Scale-Up, 2026); Vrbo flat 12% from October 29, 2026 (Expedia). As of November 2026.Based on 4 data points: published platform fee schedules, 2026.
- Self-managed
- 3%
- EstimateStripe standard card pricing (2.9% + $0.30); an owner-direct listing site subscription. As of November 2026.Based on 2 data points: published prices: card processing and a listing subscription.
- Flood insurance by location
- Oceanfront $3,500 · Ocean block $1,800 · Interior $1,600 · Bayside $2,200 · Bayfront $2,800 · Lagoon $2,800
- EstimateOur model; checked against NFIP average premiums by town (Ocean County and state hazard plans, ValuePenguin, Policygenius) and broker ranges (Prodigy Real Estate, 2026). As of November 2026.Based on 9 data points: NFIP town averages, a cross-check only; the split by location is ours.
- Flood, by the lowest floor against the flood level
- Above ×0.6 · at ×1 · below ×2.6
- EstimateOur model, informed by FEMA Risk Rating 2.0, which prices the first-floor height against the flood line. As of November 2026.Our assumption, no data found.
- Flood, when the elevation is not known
- Built before 1983: below · 2013 on: above · between: at
- EstimateOur model. As of November 2026.Our assumption, no data found.
- Federal flood program building limit
- $250,000
- FEMA, National Flood Insurance Program coverage limits. As of November 2026.Official table.
- Extra flood insurance, per $1,000 above the federal limit
- $2.50
- EstimateOur model; private insurers set excess flood rates by elevation, foundation and distance to water (ValuePenguin). As of November 2026.Our assumption, no data found: no published rate found.
- Default living area
- 600 sq ft + 450 a bedroom
- EstimateOur model. As of November 2026.Our assumption, no data found.
- Rebuild cost of the building
- $425 a sq ft
- EstimateOur model, informed by HomeAdvisor's 2025 beach-house build costs ($150–$700 a sq ft for coastal homes). As of 2025.Based on 2 data points: published cost ranges (HomeAdvisor; Prodigy Real Estate $350–400 for new island houses).
- Age of the house: insurance · maintenance
- 0–10 yrs ×0.9 · ×0.8; 11–30 yrs ×1 · ×1; 31–50 yrs ×1.15 · ×1.2; 51+ yrs ×1.3 · ×1.35
- EstimateOur model. As of November 2026.Our assumption, no data found.
- Homeowners and wind
- 0.55% of rebuild value, at least $2,500
- EstimateOur reading of published premiums: ValuePenguin by LBI town, NerdWallet for coastal New Jersey, the NAIC homeowners report. As of September 2026.Based on 7 data points: published premiums, read as a share of the dwelling cover.
- Cleaning per changeover
- $150 + $40 a bedroom
- EstimateAirROI, cleaning fees on Airbnb listings in six LBI towns (12 months to October 2026); fees stated on island rental listings. As of October 2026.Based on 12 data points: 6 town averages over 448 Airbnb listings and 6 listing-stated fees.
- Linens per rented week
- $25 a bedroom
- EstimateOur model. As of November 2026.Our assumption, no data found.
- Linens per rented week, local agency
- $0 a bedroom
- EstimateVacation Rentals LBI listing 3804 ('does not include linens'); Berger Realty lease terms (tenant furnishes linens). As of 2026.Based on 2 data points: a by-owner listing and a shore agency lease: weekly tenants bring their own.
- Guest supplies per rented week
- $50 + $10 a bedroom
- EstimateOur model. As of November 2026.Our assumption, no data found.
- Utilities, a year
- $2,200 + $200 a bedroom; pool +$3,000; hot tub +$1,200
- EstimateOur model; rates from Atlantic City Electric, New Jersey Natural Gas and the island towns' water and sewer ordinances. As of November 2026.Based on 6 data points: published rates: 4 towns' water and sewer minimums, the electric and the gas tariff; the usage is ours.
- Utilities, each occupied week
- $80 + $20 a bedroom
- EstimateOur model. As of November 2026.Our assumption, no data found.
- Internet and television
- $1,600
- EstimateOur model. As of November 2026.Our assumption, no data found.
- House tech, local agency
- $300
- EstimateOur model. As of November 2026.Our assumption, no data found.
- House tech, airbnb or vrbo
- $900
- EstimateOur model. As of November 2026.Our assumption, no data found.
- House tech, self-managed
- $900
- EstimateOur model. As of November 2026.Our assumption, no data found.
- Landscaping and pest control
- $1,500
- EstimateOur model. As of November 2026.Our assumption, no data found.
- Maintenance reserve
- 0.5% of rebuild value, at least $3,000; $60 each occupied week
- EstimateOur model. As of November 2026.Our assumption, no data found.
- Capital reserve: cost and salt-air life
- Roof $9/sq ft, 18 yrs · Heating and cooling $6/sq ft, 10 yrs · Decks $5/sq ft, 15 yrs · Water heater $2,500, 8 yrs · Appliances $9,000 + $500/bedroom, 10 yrs · Furnishings refresh $4,000 + $3,500/bedroom, 7 yrs · Pool equipment $18,000, 10 yrs · Elevator $15,000, 12 yrs
- EstimateOur model; salt-air lives informed by Lessen, How salt air is damaging your HVAC units. As of November 2026.Based on 1 data point: one article on salt-air wear; the costs and lives are ours.
- Shortest catch-up for a worn component
- 3 years
- EstimateOur model. As of November 2026.Our assumption, no data found.
- Rental registration and inspection, Barnegat Light
- $150
- EstimateOur model; Ocean County Fire Marshal. As of November 2026.Based on 1 data point: the county's $45 certificate only; no borough fee found.
- Rental registration and inspection, Harvey Cedars
- $150
- EstimateOur model; Ocean County Fire Marshal. As of November 2026.Based on 1 data point: the county's $45 certificate only; no borough fee found.
- Rental registration and inspection, Surf City
- $50
- Borough of Surf City, 2026 rental and fire inspection applications. As of February 2026.Official table.
- Rental registration and inspection, Ship Bottom
- $150
- EstimateOur model; Ocean County Fire Marshal. As of November 2026.Based on 1 data point: the county's $45 certificate only; no borough fee found.
- Rental registration and inspection, Long Beach Township
- $145
- Long Beach Township, Business and Rental Property Owner Registration; Ocean County Fire Marshal. As of 2026.Official table.
- Rental registration and inspection, Beach Haven
- $80
- EstimateBorough of Beach Haven seasonal rental application, via Prodigy Real Estate (2026); Ocean County Fire Marshal. As of May 2026.Based on 2 data points: the borough's seasonal application fee and the county certificate.
- Umbrella liability
- $450
- EstimatePublished umbrella price ranges: Mercury, Coverage Cat, Steadily, Ramsey Solutions, Baselane. As of October 2026.Based on 5 data points: published price ranges for a $1–2 million umbrella.
- Accounting
- $1,000
- EstimateOur model. As of November 2026.Our assumption, no data found.
- Furnishing, buyers
- $8,000 + $7,000 a bedroom
- EstimateOur model. As of November 2026.Our assumption, no data found.
- Closing costs, buyers with a mortgage
- 1.5%
- EstimateProdigy Real Estate, LBI closing costs for buyers and sellers (a $2.5M purchase worked through); NJ average closing costs (LodeStar via Rocket Mortgage). As of May 2026.Based on 3 data points: a worked $2.5M island closing (cash and financed) and the New Jersey average.
- Closing costs, buyers paying cash
- 0.7%
- EstimateProdigy Real Estate, LBI closing costs for buyers and sellers (a $2.5M purchase worked through); NJ average closing costs (LodeStar via Rocket Mortgage). As of May 2026.Based on 3 data points: a worked $2.5M island closing (cash and financed) and the New Jersey average.
- Barnegat Light
- 0.594%
- 2025 Ocean County Equalization Table, NJ Division of Taxation. As of 2025.Official table.
- Harvey Cedars
- 0.658%
- 2025 Ocean County Equalization Table, NJ Division of Taxation. As of 2025.Official table.
- Surf City
- 0.65%
- 2025 Ocean County Equalization Table, NJ Division of Taxation. As of 2025.Official table.
- Ship Bottom
- 0.702%
- 2025 Ocean County Equalization Table, NJ Division of Taxation. As of 2025.Official table.
- Long Beach Township
- 0.665%
- 2025 general tax rates and Ocean County equalization table, NJ Division of Taxation. As of 2025.Official table.
- Beach Haven
- 0.765%
- 2025 Ocean County Equalization Table, NJ Division of Taxation. As of 2025.Official table.
- 30-year fixed mortgage rate
- 7.11%
- Freddie Mac Primary Mortgage Market Survey, 30-year fixed. As of November 12, 2026.Official table.
- Premium for a rental property
- +0.38%
- EstimateFFIEC HMDA 2025 originations, median 30-year rates by occupancy (via Crowdfunded Wealth); lender quotes (Bankrate, The Mortgage Reports, LendingTree). As of November 2026.Based on 9 data points: published medians and quotes, 2025–26.
- Default down payment
- 25%
- EstimateFFIEC HMDA 2025 second-home purchases (via Crowdfunded Wealth). As of 2025.Based on 1 data point: one published median: 75% combined loan-to-value on second homes.
- Home value growth
- 4% a year
- EstimateFHFA house price index for Ocean and Cape May counties (FRED), Case-Shiller New York, Census values by island town, island MLS series. As of 2025.Based on 17 data points: price series of 19 years or more.
- Rent growth
- 2.5% a year
- EstimateIsland rent reports (News12, the Philadelphia Inquirer, NJBIZ), AirROI revenue changes, BLS lodging prices (FRED); 2027 asking rates on island listings. As of November 2026.Based on 12 data points: published rate and revenue changes, 2018–2026.
- Cost growth
- 3% a year
- EstimateBLS consumer prices, New York–Newark–Jersey City (FRED). As of 2026.Based on 1 data point: one price index: 3.1% a year over ten years.
- Selling costs in year ten
- 6.25%
- EstimateNew Jersey commission surveys (Clever Real Estate, Offerpad); NJ Division of Taxation, realty transfer fee; Prodigy Real Estate, LBI seller costs. As of August 2026.Based on 6 data points: published figures: 3 commission surveys, the transfer fee schedule, 2 worked island sales.
- Seller’s transfer tax in year ten, by price
- over $1,000,000: 1% · over $2,000,000: 2% · over $2,500,000: 2.5% · over $3,000,000: 3% · over $3,500,000: 3.5%
- Troutman Pepper, New Jersey increases mansion tax rates and shifts payment to sellers (A5804, effective July 1, 2025); Atlantic County Clerk RTF-EE fee sheet. As of July 1, 2025.Official table.
- Typical value by location
- Oceanfront ×1.9 · Interior ×0.85 · Bayside ×0.8 · Bayfront ×1.05 · Lagoon ×0.95; ±12% a bedroom
- EstimateOur model. As of November 2026.Based on 2 data points: published 2025 ratios of oceanfront and bayfront sales to the island average.
- Storm year: summer bookings lost
- 25%
- EstimateReports of the 2013 season after Hurricane Sandy: NBC New York, NJ Monthly, NPR, CBS New York. As of May 2014.Based on 4 data points: reports of island bookings after Sandy (20–30% down).
- Storm year: out of pocket
- $10,000
- EstimateOur model. As of November 2026.Our assumption, no data found: no out-of-pocket storm cost found.
- Cash-on-cash for a Strong verdict
- 4%
- EstimateProdigy Real Estate, LBI rental yield by town (island net cap rates 1–3%). As of May 2026.Based on 1 data point: one broker's island cap rates.
- Suggested agency fee negotiation
- 2% of rent
- EstimateOur model. As of November 2026.Our assumption, no data found.
- Suggested rate rise
- 5%, when peak weeks book 9% or more
- EstimateOur model. As of November 2026.Our assumption, no data found.
- Smallest move worth showing
- $250
- EstimateOur model. As of November 2026.Our assumption, no data found.
- Barnegat Light
- $1,800,000
- EstimateOur reading of 2025–26 island sales summaries (BuyLBI, Prodigy Real Estate, Redfin and others, from the LBI MLS). As of October 2026.Based on 8 data points: published sales figures for the town, 2025–26.
- Loveladies
- $3,350,000
- EstimateOur reading of 2025–26 island sales summaries (BuyLBI, Prodigy Real Estate, Redfin and others, from the LBI MLS). As of October 2026.Based on 3 data points: published sales figures for the town, 2025–26.
- Harvey Cedars
- $2,600,000
- EstimateOur reading of 2025–26 island sales summaries (BuyLBI, Prodigy Real Estate, Redfin and others, from the LBI MLS). As of October 2026.Based on 6 data points: published sales figures for the town, 2025–26.
- North Beach
- $2,700,000
- EstimateOur reading of 2025–26 island sales summaries (BuyLBI, Prodigy Real Estate, Redfin and others, from the LBI MLS). As of October 2026.Based on 3 data points: published sales figures for the town, 2025–26.
- Surf City
- $2,050,000
- EstimateOur reading of 2025–26 island sales summaries (BuyLBI, Prodigy Real Estate, Redfin and others, from the LBI MLS). As of October 2026.Based on 6 data points: published sales figures for the town, 2025–26.
- Ship Bottom
- $1,600,000
- EstimateOur reading of 2025–26 island sales summaries (BuyLBI, Prodigy Real Estate, Redfin and others, from the LBI MLS). As of October 2026.Based on 5 data points: published sales figures for the town, 2025–26.
- Brant Beach
- $2,150,000
- EstimateOur reading of 2025–26 island sales summaries (BuyLBI, Prodigy Real Estate, Redfin and others, from the LBI MLS). As of October 2026.Based on 3 data points: published sales figures for the town, 2025–26.
- Beach Haven
- $2,300,000
- EstimateOur reading of 2025–26 island sales summaries (BuyLBI, Prodigy Real Estate, Redfin and others, from the LBI MLS). As of October 2026.Based on 6 data points: published sales figures for the town, 2025–26.
- Holgate
- $1,800,000
- EstimateOur reading of 2025–26 island sales summaries (BuyLBI, Prodigy Real Estate, Redfin and others, from the LBI MLS). As of October 2026.Based on 1 data point: published sales figure for the town, 2025–26.