Half of the 2,513 homes in Rumson were built before 1969. Below: what the code asks of a replacement here, the permit, and the town’s own records.
New Roofing Costs connects homeowners with independent local roofing contractors. We do not perform roofing work.
This number connects homeowners who are planning a new roof or a full roof replacement with independent local roofing contractors. It is not for leak repairs or patch jobs. The call must come from the homeowner who decides on the roof. Calls may be recorded.
Permit
Replacing the covering on a detached one- or two-family house needs no permit and no notice to the town (N.J.A.C. 5:23-2.7). In Rumson, 97% of homes are detached. An attached house, or work on rafters and beams, is not covered.
Source: N.J.A.C. 5:23-2.7
Layers
New Jersey deletes the IRC’s reroofing definitions (N.J.A.C. 5:23-3.21(c)2.xxii); its layer rule for existing houses is in the Rehabilitation Subcode, which this site has not read yet. 60% of Rumson’s homes were built before 1980, so get the layer count and a tear-off price in writing.
Source: N.J.A.C. 5:23-3.21
Ice barrier
Only Sussex County meets New Jersey’s 25 °F January test for a required ice barrier (N.J.A.C. 5:23-3.21; DCA Bulletin 07-3). Rumson is outside it, so whether to add one is up to you and the installer.
Source: N.J.A.C. 5:23-3.21; NJ DCA Bulletin 07-3
Checked against the code text on October 24, 2026. Everything else the state requires: roof replacement in New Jersey.
93% of the occupied homes in Rumson are lived in by their owners: 2,277 households, the people this line is for. Counting by decade, 21% before 1940, 42% before 1960, 60% before 1980 of the housing was in place, and 28% dates from 2000 on. (ACS 2020–2024.)
The housing is 97% detached houses.
Of the 48 Monmouth County municipalities on this site, Rumson has the 33rd largest share of homes built before 1980: 60%, against a county range of 22% to 87%.
ZIP codes: 07760
| Place | Median built | Before 1980 | Owners | Row, twin | Hail days |
|---|---|---|---|---|---|
| Rumson | 1969 | 60% | 93% | 1% | 9 |
| Sea Bright | 1976 | 61% | 70% | 22% | 8 |
| Fair Haven | 1955 | 74% | 90% | 3% | 10 |
| Monmouth Beach | 1976 | 62% | 84% | 11% | 8 |
| Little Silver | 1958 | 80% | 96% | 9% | 10 |
| Highlands | 1975 | 61% | 61% | 9% | 8 |
Median built: median year the homes were built. Before 1980: share of homes built then. Owners: share of homes that are owner-occupied. Row, twin: share of homes that are rowhouses, twins or townhouses. Census ACS 2020–2024. Hail days: days with hail of 1 inch or larger within 10 miles, 2006–2025, NOAA Storm Prediction Center.
Since 2006 the National Weather Service has logged hail of 1 inch or larger on 9 separate days within 10 miles of Rumson; the largest was 1.75 in on June 29, 2019. The most recent was April 1, 2023.
Monmouth County has had 7 federal major-disaster declarations for storms since 2006; the latest was DR-4614, Remnants of Hurricane Ida (September 2021). (OpenFEMA.)
Storm reports are what observers logged, not a measure of damage to any roof. When wind or hail damage means a new roof.
HUD’s useful-life figures are for planning; a warranty is a separate promise. For Rumson’s houses: More in the guides to shingles, metal, slate and flat roofs.
| Material | HUD useful life | Fits a house like | Watch for |
|---|---|---|---|
| Asphalt shingles | 20 years | Most pitched roofs; 97% of homes here are detached | Wind class set by the design wind speed (IRC Table R905.2.4.1) |
| Metal (standing seam, panels) | 50 years | Low pitches and long runs | A complete standing-seam system may go over the old roof (R908.3.1) |
| Slate | 75 years | Older houses; 21% here predate 1940 | Sound slate can be reused (R908.5); broken slate cannot |
| Flat roof: EPDM or TPO | 15 years | Additions and porch roofs | Coating is not a replacement |
New Jersey had 47,473 active home improvement registrations in October 2026; the one belonging to whoever quotes your roof in Rumson should be on the contract (N.J.S.A. 56:8-144).
Contracts, deposits and the right to cancel: checking a roofing contractor. What moves the price: new roof cost in New Jersey.
None for a detached one- or two-family house. Replacing the covering on a detached one- or two-family house needs no permit and no notice to the town (N.J.A.C. 5:23-2.7). In Rumson, 97% of homes are detached. An attached house, or work on rafters and beams, is not covered.
By the Census Bureau’s American Community Survey (2020–2024), the median home in Rumson was built in 1969, 60% of homes were built before 1980, 93% are owner-occupied.
Hail of 1 inch or larger was reported on 9 days within 10 miles of Rumson from 2006 through 2025 (NOAA Storm Prediction Center). A report means hail fell nearby, not that a roof was damaged.
New Jersey had 47,473 active home improvement registrations in October 2026; the one belonging to whoever quotes your roof in Rumson should be on the contract (N.J.S.A. 56:8-144).
The full list: before you call.
Checked October 24, 2026. Laws and code editions change; the date says when these were last read at the source.