Neighborhood
Cotton Ridge
Middletown Township, New Jersey US
Cotton Ridge in Middletown Township, New Jersey has a balanced but higher-risk profile, with prices in line with Middletown Township and 12% above New Jersey. Gross yield is 4.2, while prices are down 3.2% over the past year, which weakens recent momentum. The Red Flag score of 75 is elevated, walkability is 43, and education is in the 91st percentile.
AI Summary•Updated May 2026
Area
7.21 mi²
ZIP Code
07748
County
Monmouth County
State
New Jersey
Redfin — median sale & volumeZillow ZORI — asking rentFEMA National Risk Index v1.20OpenStreetMap — POIFBI UCR — state crimeEPA — radon zonesWashU ACAG — satellite PM2.5US Census ACS / TIGER 2024
Verified Price · Median Sale
$798,763
YoY-3.2%
Gross Rental Yield
4.2%
Listed rent · ZORI annualized
Red Flag Index
High
75 / 100
Walkability Score
43
OpenStreetMap POI density · national percentile
Education Score
91 / 100
Pre-pandemic SEDA (2018/19) · district proxy
AI Score
38
DistrictScore attractiveness · national model
Cotton Ridge Property Prices & Rental Yield
Verified Redfin sale data and Zillow ZORI asking rent for Cotton Ridge, Middletown Township.
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Sign in to view — freeMarket Economics Snapshot
May 2026| Metric | Value | YoY |
|---|---|---|
| Median Sale Price | $798,763 | -3.2% |
| Price / Sq Ft (Verified) | $355/sqft | +2.3% |
| Asking Rent (Median) | $2,825/mo | — |
| Gross Rental Yield | 4.2% | — |
| Liquidity Score | 26 / 100 | Low |
| Homes Sold (Period) | 67 | -17.3% |
Is Cotton Ridge Safe? Natural-Hazard Risk
FEMA National Risk Index composite across eight hazards, plus inherited New Jersey crime context.
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Sign in to view — free What Stands Out AI Insight
Active transaction volume — 67 homes sold last period
Wildfire risk is Very High (100/100)
Heat risk is Very High (100/100)
Insights are generated from Cotton Ridge's live DistrictScore metrics.
Cotton Ridge Environment & Safety
Satellite PM2.5 air-quality history, FBI UCR crime trend (New Jersey-level, the finest official aggregation), EPA radon potential and point-source hazard screening.
Air Quality — PM2.5
2015–20248.6 µg/m³ Meets EPA, above WHO guideline+12.8% since 2015
EPA 9WHO 5
20152024
Annual mean fine-particle (PM2.5) concentration at the Cotton Ridge centroid, satellite-derived (ACAG). References: WHO guideline 5 µg/m³ · EPA annual standard 9 µg/m³. Latest year ranks worse than 97% of U.S. neighborhoods.
New Jersey Crime Trend
FBI UCR20132024
All crimes / 1k
Violent / 1k
| Year | Crimes / 1k | Violent / 1k | YoY |
|---|---|---|---|
| 2024 | 16.4 | 2.2 | -4.9% |
| 2023 | 17.5 | 2.3 | +7.2% |
| 2022 | 16.6 | 2.2 | +28.0% |
| 2021 | 12.9 | 1.8 | -0.3% |
| 2020 | 13.5 | 1.9 | -12.3% |
| 2019 | 15.4 | 2.1 | — |
Reported at the state level — the finest official US crime aggregation; Cotton Ridge inherits the New Jersey figures.
Radon Potential
EPAZone 1
Zone 1 — Highest potential · Cotton Ridge
EPA radon zones estimate indoor radon potential county-wide (Zone 1 highest, Zone 3 lowest). Testing is recommended in all zones.
Walkability & Amenities in Cotton Ridge
Amenity density and pedestrian access from OpenStreetMap points of interest.
Walkability & Amenities
OpenStreetMap POI43
Car-Dependent
Walkability Score
11
Grocery
23
Dining
6
Schools
0
Universities
3
Hospitals
0
Pharmacies
15
Parks
1
Rail Transit
0
Coworking
POI counts are amenities within Cotton Ridge's boundary plus a 400 m walk buffer. Rail transit excludes bus stops.
Cotton Ridge vs Middletown Township vs New Jersey
How Cotton Ridge benchmarks against its city and state medians.
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Sign in to view — freeBuying Property in the US as a Foreigner
Federal & New Jersey tax facts for non-resident buyers, plus the latest local market news.
Buying as a Foreigner
US Tax & OwnershipApplies to everyone7
Capital Gains (Federal)
Long-term capital gains taxed federally at 0/15/20%, plus a 3.8% Net Investment Income Tax on higher incomes (2026).
Property Tax
Property tax: ~1.68% average effective rate (statewide average; set and collected locally).
State Income Tax
State income tax up to 10.75%; rental income is taxed at these rates.
State Capital Gains
Capital gains are taxed as ordinary income at state rates.
Transfer Tax
Real estate transfer tax: transfer fee + mansion fee (seller-paid from FY2026).
Assessment Cap
No Proposition 13-style assessment cap; property is reassessed at market value.
Mansion Tax / Rent Control
Mansion fee on homes over $1M (graduated, seller-paid from FY2026).
US citizens & tax residents8
Primary-Home Exclusion
Selling your main home: exclude up to $250k of gain (single) / $500k (married) if you owned and lived there 2 of the last 5 years.
1031 Like-Kind Exchange
A 1031 like-kind exchange defers capital gains tax on investment property; 45 days to identify, 180 to close. Real estate only.
Depreciation Recapture
Residential rentals depreciate over 27.5 years; on sale, recaptured depreciation is taxed up to 25% (Section 1250).
Mortgage Interest Deduction
Mortgage interest is deductible on up to $750k of home debt. The SALT cap rose to $40,000 for 2025-2029 (reverts to $10k in 2030).
Opportunity Zones
Opportunity Zones are now permanent (2025): reinvested capital gains get deferral plus a basis step-up, and are tax-free after 10 years.
Rental Income (Resident)
Rental income is reported on Schedule E; passive-loss rules (Section 469) limit deducting rental losses against other income.
Homestead Exemption
No homestead exemption: no creditor protection and no homestead property-tax break.
1031 State Conformity
The state conforms to the federal 1031 like-kind exchange rules.
Foreign buyers (non-residents)5
FIRPTA (Foreign Sellers)
FIRPTA: the buyer withholds 15% of the gross sale price when a nonresident sells US property. It is an advance deposit, not the final tax.
Non-Resident Capital Gains
Nonresident sellers pay US capital gains tax (generally 15-20%) on the net gain via Form 1040-NR; FIRPTA withholding is credited.
Non-Resident Rental Tax
Nonresident rental income is taxed at 30% of gross by default, or on net income at graduated rates via a Section 871(d) election (W-8ECI).
Estate Tax (Non-Resident)
Nonresidents get only a $60,000 US estate-tax exemption (vs $13.99M for residents); US property above it is taxed up to 40%. Treaties may help.
ITIN Requirement
Nonresidents without an SSN need an ITIN (Form W-7) to file US tax returns, claim FIRPTA refunds, and report rental income.
Talk to a US real-estate tax advisor
FIRPTA, ITIN & New Jersey property-tax guidance for foreign buyers
Cotton Ridge Real Estate FAQ
Cotton Ridge in Middletown Township, New Jersey has a mixed profile. Gross yield is 4.2, prices are in line with Middletown Township and 12% above New Jersey, and prices are down 3.2% over the past year. The Red Flag score is 75.
Neighborhoods near Cotton Ridge
Compare Cotton Ridge with nearby neighborhoods in Middletown Township.
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