Jersey City, NJ Rental Market for Investors
An estimated 38% of Jersey City's active listings could cash-flow as a short-term rental — here's what the numbers say for investors, as of October 2026.
Homes in Jersey City that pencil right now
A sample of active Jersey City listings whose DSCR clears 1.25 using short-term rental income projections we accept as a direct lender. These are spread across the price range, not ranked, and current as of October 2026.
$299,000DSCR 1.361 bed · 1 bath · 525 sqft
- STR revenue
- $40,241/yr
- Est. interest-only payment
- $1,972/mo
On the market 114 days · Listed by Global Dabu Realty
Scout this home & market: 1-bed condo in Jersey City
$400,000DSCR 1.363 bed · 2 bath · 1,560 sqft
- STR revenue
- $84,131/yr
- Est. interest-only payment
- $4,114/mo
On the market 44 days · Listed by Coldwell Banker Realty - Jersey City Office
Scout this home & market: 3-bed condo in Jersey City
$668,000DSCR 1.424 bed · 3 bath · 1,900 sqft
- STR revenue
- $96,971/yr
- Est. interest-only payment
- $4,546/mo
On the market 51 days · Listed by REALTY ONE GROUP LIFESTYLE HOMES REALTY LLC
Scout this home & market: 4-bed condo in Jersey City
As of October 2026, we analyzed 937 active for-sale homes in Jersey City, New Jersey. The typical listing is priced at $769,000 and is projected to generate about $73,114 a year as a short-term rental.
After setting aside an estimated 20% for operating costs, an estimated 37.6% of those homes could still cover an investor mortgage payment on short-term-rental income — below the 53.1% median across the 200 major metros we track, ranking Jersey City #151 of 200 for cash-flow potential.
On market momentum: homes in Jersey City sit a median of 36 days on the market, and 46% of active listings came on in just the last 30 days — a fast-moving market, which shapes how much room there is to negotiate.
For a DSCR loan — which qualifies on the property's rental income rather than your personal income — Jersey City runs tighter once operating costs are accounted for: many listings need a below-median price, a stronger short-term-rental setup, or more money down before the income covers the payment. It's a market where running the numbers property-by-property matters.
What actually works in Jersey City
Cash-flow is the exception rather than the rule in Jersey City right now: 82 of the 658 Jersey City homes, condos and townhomes we can price confidently clear a DSCR of 1.25. Nine in ten of them are priced under $707,000.
| Price | 1 bed | 2 bed | 3 bed | 4 bed | 5 bed |
|---|---|---|---|---|---|
| $150k–$250k | 30%1.16 | — | — | — | — |
| $250k–$350k | 27%0.99 | 83%1.41 | — | — | — |
| $350k–$500k | 3%0.83 | 11%0.95 | 83%1.38 | — | — |
| $500k+ | 0%0.68 | 1%0.73 | 5%0.81 | 28%1.12 | 64%1.43 |
Darker means a larger share of that group cash-flows. “—” means fewer than 8 active listings — too few to draw a conclusion from.
Jersey City in full
| Active for-sale homes analyzed | 937 |
|---|---|
| Median list price | $769,000 |
| Median projected STR revenue (annual, gross) | $73,114 |
| Median average daily rate (ADR) | $319 |
| Median occupancy | 67% |
| Median beds | 3 |
| Median size | 1,150 sqft |
| Estimated cash-flow-positive share | 37.6% |
| Median days on market | 36 days |
| New listings (last 30 days) | 46.0% of active |
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Estimates for educational purposes. Final terms subject to credit, property & program approval.
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