Rental conversions in South Jersey

Cost vs. Value's only accessory unit is a new detached cottage, priced at $165,5361 in its 2025 Philadelphia market against $166,4062 nationally; it publishes nothing for converting space you already have. The deciding local factor is zoning, because New Jersey has no statewide law requiring towns to allow a second unit, and in Cherry Hill any use the ordinance doesn't expressly permit is prohibited.

Calls are recorded. One independent company that handles rental conversions in the South Jersey area answers.

Updated October 12, 2026

Illustration of the first floor of a 1920s brick twin in Oaklyn being split into an upstairs and a downstairs apartment, with fire-rated drywall going up on the ceiling between the floors, a drywall lift holding the next sheet and a hard-wired smoke alarm.
Illustration

The accessory unit Cost vs. Value prices

The survey's accessory unit is a new building in the back yard, not a converted basement or attic. Philadelphia, the nearest market to Camden County, prices it just under the national average.

MeasurePhiladelphia marketU.S. average
Accessory dwelling unit (new detached build), job cost$165,5361$166,4062
Accessory dwelling unit (new detached build), resale value$63,8361$68,6562

A conversion reuses a foundation and roof the cottage has to pay for, so read this as an outside marker. Fire separation, exits and metering decide most of what a conversion really costs.

What tenants pay

Census gross rent combines the contract rent with the utilities a tenant pays. Camden County's median sits below Burlington County's.

MeasureCamden CountyBurlington County
Median gross rent (rent plus tenant-paid utilities), per month$1,4023$1,7453

If the new unit shares the house's meters, the utility bills are yours, and the rent has to carry them. Decide on separate meters before the walls are closed.

How many households rent

More than a third of Camden County's occupied homes are rented, well above Burlington County's share.

MeasureCamden CountyBurlington County
Occupied homes that are rented35%424%4

County figures blend large garden-apartment complexes with a room over a garage. A local rental agent can tell you what a small unit with its own entrance actually brings on your street.

Twins, duplexes and small buildings

Building-type counts show the share of homes in two- to four-unit buildings and in attached single-family houses, the twins and rowhouses common in the older towns near Camden.

MeasureCamden CountyBurlington County
Homes in buildings with two to four units8%55%5
Homes that are single-family attached (twins, rowhouses, townhouses)17%515%5

Adding a unit to a two-family house makes it a three-family building, which changes its use to Group R-2, requires its height and area to be reevaluated and can bring fire suppression requirements.6 If you already own a duplex, a third unit is a far larger code job than the second one was.

Cherry Hill's rental certificate

Cherry Hill inspects every rental unit before each new tenant moves in. These are the township's posted application fees.

MeasureCherry Hill fee
Cherry Hill rental certificate of occupancy application fee$657
Cherry Hill added fee for rentals that need a lead-based paint inspection$207

Cherry Hill requires a rental certificate of occupancy for every rental unit at each change of occupancy; the unit must be vacant for the inspection, tenants may not move in until the housing inspector issues the certificate, and the township asks for two weeks to schedule.7 Build the inspection and its scheduling time into the move-in date you promise a tenant.

Homes built before the lead rules

New Jersey's rental lead inspections cover units built before 1978. Census groups homes by decade, so the closest local count is homes built before 1980, which is most of Camden County's housing.

MeasureCamden CountyBurlington County
Homes built before 198071%855%8

New Jersey requires single-family, two-family and multiple rental dwellings built before 1978 to be inspected for lead-based paint hazards every three years or at tenant turnover, whichever comes first, unless the unit has a valid lead-safe certificate.9 Budget for the inspection, and for any hazard work it finds, before the first lease is signed.

Permits

Zoning decides first. New Jersey leaves second units to each town, and Cherry Hill, for one, prohibits any use its ordinance doesn't expressly allow, so the zoning office has to approve before the construction office will permit the work. Under the state code, adding a unit to a one-family house is a change of use, the units must be fire-separated and a new certificate of occupancy is issued; in Cherry Hill, every new tenant also needs a rental certificate after an inspection.

  • Cherry Hill's zoning ordinance states that all uses not expressly permitted in the ordinance are prohibited.10
  • Cherry Hill's Department of Community Development issues zoning approvals for new homes, additions, decks, fences, pools, patios, sheds and driveways, and once zoning is approved the applicant applies to the township's Code Enforcement/Inspections Department.11
  • When a one-family detached house is converted into two units, DCA points to the Rehabilitation Subcode's change-of-use section: the house stays in the same one- and two-family code group, and the units must be separated.6
  • In one- and two-family houses, work that creates an additional dwelling unit must separate the new unit from the existing one with fire partitions or horizontal assemblies.12
  • Under the Rehabilitation Subcode, whenever the use of a building or part of one changes, a new certificate of occupancy is required.12
  • Cherry Hill requires a rental certificate of occupancy for every rental unit at each change of occupancy; the unit must be vacant for the inspection, tenants may not move in until the housing inspector issues the certificate, and the township asks for two weeks to schedule.7
  • New Jersey's code allows plumbing, electrical and HVAC work only by people licensed to do it, except a single-family homeowner working on his or her own home, and the licensed contractor's seal and signature go on the matching permit application.13

Checked October 12, 2026

Before you hire

In New Jersey, ask for the company's home improvement contractor business registration number and confirm it's active with the Division of Consumer Affairs, because registering takes proof of at least $500,00023 per occurrence in liability insurance.

How to check a contractor's license in New Jersey

Talk to a pro who handles rental conversions in South Jersey

Call now(833) 517-7015Answered 8am–8pm ET

Calls are recorded. You'll be connected to one independent company that handles rental conversions in your area. We never call or text you. Privacy Policy ·Do Not Sell or Share My Personal Information

Zoning comes first

New Jersey's Division of Codes and Standards has noted that some local zoning boards now approve accessory dwelling units, letting properties zoned only for one- or two-family houses add another unit.6 As introduced, S1786 would permit accessory dwelling units on property zoned for one- or two-family homes and have each town adopt one of two model ADU ordinances.14 A state bill on accessory dwelling units, S1786, was introduced in the Senate on January 13, 2026, reported from committee with amendments on June 1, 2026, and sent to the Senate Budget and Appropriations Committee.15

Cherry Hill's zoning ordinance states that all uses not expressly permitted in the ordinance are prohibited.10 Before paying an architect, call your zoning officer with the block and lot, and ask whether the ordinance lists a second unit or whether you'd need a variance.

Building the second unit

In one- and two-family houses, work that creates an additional dwelling unit must separate the new unit from the existing one with fire partitions or horizontal assemblies.12 In a twin or bi-level conversion, ask how the floor between the units and any shared stair will be rated, and get the answer on the drawings.

When an alteration creates a bedroom below the fourth floor, it needs a window or exterior door that meets the subcode's escape-opening requirements, plus a hard-wired smoke alarm in the bedroom and a second one near it.12 The 2021 IRC requires at least one egress door for each dwelling unit, reached by a continuous path that does not pass through a garage, and opening to a public way or a yard or court that leads to one.16 A lower-level unit reached only through the main house won't meet that.

NJDEP rates four Camden County municipalities, Lawnside, Magnolia, Runnemede and Somerdale, as Tier 1 for high radon potential; Cherry Hill and Haddonfield are Tier 2 and Collingswood is Tier 3.17 A basement unit in one of the high-tier towns should be tested, and fixed if needed, before anyone sleeps there.

Rules that come with tenants

New Jersey law has the landlord of a one-unit rental, or of a two-unit building the owner doesn't live in, file a certificate of registration with the municipal clerk; landlords of multiple dwellings register with DCA's Bureau of Housing Inspection.18 Cherry Hill landlords must file the state landlord registration form with the municipal clerk and update it within 30 days of any change, and since November 3, 2022 must give the township annual proof of liability insurance.7

Cherry Hill inspects rental units built before 1978 for lead-based paint hazards, then every three years or at tenant turnover if sooner; hazards found must be remediated, and a lead-safe certificate valid for two years is issued once none remain.7 Where at least three percent of tested children aged six or younger have a blood lead level of five micrograms per deciliter or more, the rental lead inspection must use dust wipe sampling; elsewhere a visual inspection may be used.9 If an inspection finds lead-based paint hazards, the owner must fix them through abatement or lead hazard control, and a lead-safe certificate is good for two years.9

Since January 1, 2019, New Jersey's Uniform Fire Code has required a certificate of smoke alarm compliance, issued by the town, before a one- or two-family home is sold, leased or changes occupants; the certificate is valid for six months.19 Before a renter signs a lease for most pre-1978 housing, federal law requires the landlord to disclose known lead-based paint and hazards, share available records, hand over EPA's Protect Your Family From Lead pamphlet and include a Lead Warning Statement.20

A unit for a parent

More than one in four adults 65 and older fall each year.21 If the unit is meant for an aging parent rather than a renter, put it on the ground floor with no step at the door, a shower without a curb and room beside the toilet for a bar. Those choices cost little on paper and a lot to retrofit. NAHB's Certified Aging-in-Place Specialist (CAPS) credential trains remodelers in home modifications for aging in place.22

What happens when you call

The number on this page connects you, on a recorded line, with one independent company that handles rental conversions in the South Jersey area. The design, the schedule and the price are agreed between you and that company.

That company pays us for each call, so connecting costs you nothing, and no one from our side calls or texts you afterward. How we make money

After you're connected

Check the company's state registration before any money changes hands. New Jersey's Contractors' Business Registration Act requires every home improvement contractor business, from a sole proprietorship up, to register with the Division of Consumer Affairs every year before selling or making home improvements, unless the law exempts it.23 The Division of Consumer Affairs' License Verification System is a real-time lookup; its Business Search finds home improvement contractor businesses by business name, license number or city and lists each one's registration number, license type, status and city.24 Check a New Jersey license

A New Jersey home improvement contract for more than $500, and any change to its terms, must be in writing and signed by all parties, and must list the contractor business's legal name, business address and registration number, include a copy of its liability insurance certificate with the insurer's phone number, and state the total price including any finance charges.25 Write the zoning approval into the contract as a condition, so no deposit goes toward work the town hasn't allowed.

Questions people ask

Can I add an apartment to my house in South Jersey?

It depends on your town's zoning. New Jersey's Division of Codes and Standards has noted that some local zoning boards now approve accessory dwelling units, letting properties zoned only for one- or two-family houses add another unit.6 Cherry Hill's zoning ordinance states that all uses not expressly permitted in the ordinance are prohibited.10

Does Cherry Hill inspect a rental before a tenant moves in?

Yes, at every change of tenant. Cherry Hill requires a rental certificate of occupancy for every rental unit at each change of occupancy; the unit must be vacant for the inspection, tenants may not move in until the housing inspector issues the certificate, and the township asks for two weeks to schedule.7

Does my rental need a lead inspection?

If the house was built before 1978, most likely. Cherry Hill inspects rental units built before 1978 for lead-based paint hazards, then every three years or at tenant turnover if sooner; hazards found must be remediated, and a lead-safe certificate valid for two years is issued once none remain.7

Do I have to register as a landlord?

Usually, yes. New Jersey law has the landlord of a one-unit rental, or of a two-unit building the owner doesn't live in, file a certificate of registration with the municipal clerk; landlords of multiple dwellings register with DCA's Bureau of Housing Inspection.18

Sources

Page updated October 12, 2026. How we source our numbers

  1. Zonda / Journal of Light Construction, Cost vs. Value 2025, Philadelphia, Pennsylvania. Released 2025. Philadelphia, PA (Cost vs. Value market). Industry source.
  2. Zonda / Journal of Light Construction, Cost vs. Value 2025, national. Released 2025. United States. Industry source.
  3. U.S. Census Bureau, American Community Survey 2020–2024 5-year, table B25064. Released January 29, 2026. Camden County, New Jersey, Burlington County, New Jersey.
  4. U.S. Census Bureau, American Community Survey 2020–2024 5-year, table B25003. Released January 29, 2026. Camden County, New Jersey, Burlington County, New Jersey.
  5. U.S. Census Bureau, American Community Survey 2020–2024 5-year, table B25024. Released January 29, 2026. Camden County, New Jersey, Burlington County, New Jersey.
  6. New Jersey Department of Community Affairs, Division of Codes and Standards, Construction Code Communicator, Spring 2023 ('Accessory Dwelling Units'). Released 2023. View source.
  7. Township of Cherry Hill, Department of Community Development, Rental Inspections. No publication date. Cherry Hill Township, Camden County, NJ.
  8. U.S. Census Bureau, American Community Survey 2020–2024 5-year, table B25034. Released January 29, 2026. Camden County, New Jersey, Burlington County, New Jersey.
  9. New Jersey Department of Community Affairs, Lead-Based Paint Inspections in Rental Dwelling Units. Released March 27, 2025. View source.
  10. Township of Cherry Hill, Code of the Township of Cherry Hill, Chapter 40 (Zoning), Article I, § 40-105. No publication date. View source.
  11. Township of Cherry Hill, Zoning. No publication date. View source.
  12. New Jersey Department of Community Affairs, Division of Codes and Standards, N.J.A.C. 5:23-6, Rehabilitation Subcode. Released August 17, 2026. View source.
  13. New Jersey Department of Community Affairs, Division of Codes and Standards, N.J.A.C. 5:23-2, Uniform Construction Code: Administration and Enforcement. Released August 17, 2026. View source.
  14. New Jersey Legislature, Senate No. 1786 (2026 session), introduced text and statement. Released May 11, 2026. View source.
  15. New Jersey Legislature, Bill S1786 (2026-2027 session), bill history. Released June 1, 2026. View source.
  16. International Code Council, 2021 International Residential Code, Chapter 3 Building Planning. Released 2021. View source. Industry source.
  17. New Jersey Department of Environmental Protection, Radiation Protection Element, Radon Tier Assignment Report (municipal radon potential). No publication date. View source.
  18. New Jersey Department of Community Affairs, Division of Codes and Standards, N.J.S.A. 46:8-28 and 46:8-29, landlord registration (DCA copy). No publication date. View source.
  19. New Jersey Department of Community Affairs, News release: Division of Fire Safety reminds residents to check smoke and carbon monoxide alarms. Released March 10, 2023. View source.
  20. U.S. Environmental Protection Agency, Real Estate Disclosures about Potential Lead Hazards. Released May 27, 2026. View source.
  21. Centers for Disease Control and Prevention, Facts About Older Adult Falls. Released September 4, 2026. View source.
  22. National Association of Home Builders, Certified Aging-in-Place Specialist (CAPS). No publication date. View source. Industry source.
  23. New Jersey Division of Consumer Affairs, Home Improvement Contractor Business: Frequently Asked Questions. Released March 3, 2025. View source.
  24. New Jersey Division of Consumer Affairs, License Verification System. No publication date. View source.
  25. New Jersey Legislature, P.L.2023, c.237 (Home Improvement and Home Elevation Contractor Licensing Act; amendments to the Contractors' Business Registration Act). Released January 8, 2024. View source.
Call a pro(833) 517-7015Answered 8am–8pm ET