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Zillow Home Value Index, Zillow Home Value Index, bottom tier and Zillow Observed Rent Index, and every figure derived from them, reports included.

Report

Alexandria, NJ — housing report

28 measures over the five-year change window.

Coverage: 2019–2025. Each measure’s dates are listed in the table.

Alexandria is toward the expensive end of the 560 New Jersey municipalities with an ACS estimate, by median owner-reported home value ($552,000 ± $48,058, ranked between 147th and 228th), and its value rose at a pace that can’t be told apart from most over five years (+27.6% ± 13.5%, between 110th and 543rd of 554 by change).

Computed from the data · not AI-written.

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What it costs to own and to rent

20% down payment

To own at a $685,000 purchase priceTo own. A purchase at $685,000 — the middle price of qualifying residential sales here from Jan 2024 to Jun 2026, from New Jersey’s SR1A sales file. That is the middle of what sold in that window, not a valuation of the typical home on any one date, and the homes that sell are not a cross-section of the homes that exist, less a 20% down payment, borrowed over 30 years at 7.32% — the national benchmark for a 30-year fixed loan (Freddie Mac’s weekly survey, via FRED, Oct 22, 2026), not a quote for any borrower. A month adds property tax, homeowners insurance, any mortgage insurance, utilities and upkeep, each with where it comes from; HOA fees and flood insurance only if you enter them. The tax bill is the area’s median from New Jersey’s assessment records unless you enter a bill — never worked out from the price.

Based on qualifying residential sales here, Jan 2024 to Jun 2026.

$5,509a month, every cost below

Calculated estimate · not a lender quote

At other mortgage rates
RatePrincipal and interestThe month
5%$2,942$4,687
6%$3,286$5,031
7%$3,646$5,391
8%$4,021$5,766

The same home, down payment and costs at each rate. Assumptions to compare, not a forecast of where rates go.

Point at or tap a colour to see what it pays for.

Money gone each monthMoney gone each month. The part of a month of owning that does not come back: interest, tax, insurance, mortgage insurance, utilities, upkeep and any fees. The rest, principal, pays the loan down and stays the owner’s as equity. These are the first month’s figures: each month after, a little more of the payment is principal.
$5,088
Purchase price NJ SR1A sales, Jan 2024 to Jun 2026
$685,000
Down payment, 20% money a renter could invest instead
$137,000
Mortgage, principalPrincipal. The part of a mortgage payment that pays down the loan itself, rather than interest. It stays yours, as equity in the home. and interest $548,000 at 7.32%
$3,764/mo
Property tax $10,798 a year, MOD-IVMOD-IV. New Jersey’s property tax assessment records, kept by the Division of Taxation: a record for every parcel, with its assessed value, property class and year built., 2024 · published figure
$900/mo
Homeowners insurance $1,226 a year, what owners with a mortgage report · Census survey, 2024 · published figure
$102/mo
Mortgage insurance none at 20% down · published rule
$0/mo
Utilities electricity, water and sewer · Census survey, 2024 · published figure
$172/mo
Upkeep 1% of the price a year · rule of thumb
$571/mo
HOAHOA. A homeowners or condominium association, which charges owners a monthly fee for shared upkeep and amenities. It is set by each building or community, so no published figure covers it. or condo fees add yours if it applies
—
Flood insurance add yours if it applies
—
Income to keep it at 30% of payIncome to keep it at 30% of pay. The yearly household income, before tax, at which a month’s cost is 30% of a month’s pay — HUD’s line for cost burden. It is the monthly cost × 12 ÷ 0.3.
$220,378 a year

To rent the typical homeTo rent. Zillow publishes no rent index for this place, so there is no typical rent to compare.

No rent figure for this place: Zillow publishes its rent index for fewer places than its home values. Enter one under ‘Your numbers’ to compare.

Cash needed up front

$150,700–$171,250before the keys

Down payment, 20%
$137,000
Closing costs 2–5% of the price, Consumer Financial Protection Bureau
$13,700–$34,250
Moving
—
First repairs
—

Owning for 10 years, then selling

$630,508spent over 10 years, after what selling gives back

Cash up front closing costsClosing costs. One-time fees paid when a purchase completes: the lender’s charges, title insurance, the appraisal and recording fees. Often a few percent of the price; the seller usually pays New Jersey’s transfer fee. at the middle of their range unless you set them
$160,975
Paid each month over the years utilities left out, as for rent
$640,465
Sale price prices flat, as no one can say where they will go
$685,000
Less the loan still owed
−$473,732
Less selling costs 5% commission, an assumption, and New Jersey’s seller fees (NJ Division of Taxation)
−$40,336
What selling gives back
$170,932

A sum over stated assumptions, not a forecast: tax, insurance, fees and upkeep stay at today’s dollars, and prices and rents stay flat unless you set a rate.

Where Alexandria stands out

ranked against New Jersey’s 564 municipalities

Highest and lowest by current value

  • between 520th and 522nd of 522Median gross rent, two bedroomsMedian gross rent, two bedrooms. What the middle two-bedroom home here rents for each month, utilities included, as tenants told the Census.Kind of figure: Survey estimateWhy it matters: The size HUD’s Fair Market Rent is set for, so the two can be compared.$142/mo± $128/moamong the 3 lowest of 522
  • 18th of 561Median residential lot sizeMedian residential lot size. The middle lot size of one- to four-family homes here, in acres. An acre is 43,560 square feet.Kind of figure: Administrative recordsWhy it matters: Bigger lots mean more space and fewer homes to a street, and usually a higher price per home.1.94 acthe 18th highest of 561
  • between 536th and 541st of 557Net homes added per 1,000 homesNet homes added per 1,000 homes. Net homes added in the year for every 1,000 homes already standing.Kind of figure: Calculated hereWhy it matters: Compares how fast places of different sizes are growing their housing. One big building can swing a small town for a year.-3.4 per 1,000 homes± -0.4 per 1,000 homesamong the 22 lowest of 557

By change, rank 1 is the largest rise, or the smallest where lower is better; by value, the highest, or the lowest where lower is better.

Measures

MeasureStartLatestChangePer yearRank by changeWindow
Prices
Median owner-occupied home valueMedian owner-occupied home value. What the middle homeowner says their home is worth, as owners told the Census Bureau’s survey. It covers every kind of owned home.Kind of figure: Survey estimateWhy it matters: An older, self-reported view of prices: useful where Zillow has no figure, and as a check on it.aSurvey estimate$432,600± $25,755$552,000± $48,058+27.6%± 13.5%—Can’t be told apart from most of 554 NJ municipalities with databetween 110th and 543rd2019 → 2024
Affordability
Owners paying half their income or moreOwners paying half their income or more. The share of homeowners here paying half their income or more on their mortgage, tax, insurance and utilities.Kind of figure: Survey estimateWhy it matters: Owning does not always mean affordable; this counts owners under the most strain.aSurvey estimate9.5%± 5.1 points11.6%± 6.3 points+22.2%± 93.7%—Can’t be told apart from most of 561 NJ municipalities with databetween 4th and 561st2019 → 2024
Owner costs a month, with a mortgageOwner costs a month, with a mortgage. What the middle owner with a mortgage here pays each month for the loan, tax, insurance, utilities and fees, as owners told the Census.Kind of figure: Survey estimateWhy it matters: What owning costs people who already own, many on older, cheaper loans than a buyer gets today.aSurvey estimate$3,146/mo± $232/mo$3,416/mo± $291/mo+8.6%± 12.2%—Can’t be told apart from most of 494 NJ municipalities with databetween 33rd and 491st2019 → 2024
Owner costs a month, without a mortgageOwner costs a month, without a mortgage. What the middle owner without a mortgage here pays each month for tax, insurance, utilities and fees.Kind of figure: Survey estimateWhy it matters: The cost of a home that never goes away, even once the loan is paid off.aSurvey estimate$1,086/mo± $102/mo$1,454/mo± $208/mo+33.9%± 22.9%—Can’t be told apart from most of 438 NJ municipalities with databetween 1st and 375th2019 → 2024
Effective property tax rateEffective property tax rate. Property tax per $100 of what a home is actually worth on the market, as New Jersey publishes it.Kind of figure: Official determinationWhy it matters: The one property tax figure that can be compared between towns, because it is measured against market value rather than each town’s own assessment.Official determination$2.43 per $100$2.20 per $100-9.5%-2.0%/yr488th of 564 NJ municipalities2020 → 2025
General property tax rateGeneral property tax rate. Property tax per $100 of the value the town has assessed — the rate printed on a tax bill.Kind of figure: Official determinationWhy it matters: It is the rate you are charged, but it cannot be compared between towns: a town that assesses homes at half their worth needs twice the rate to raise the same money.Official determination$2.67 per $100$3.08 per $100+15.5%2.9%/yr117th of 564 NJ municipalities2020 → 2025
Director's Ratio (assessment to market value)Director's Ratio (assessment to market value). How close the town’s assessments are to market value, as a percentage. 100 means they match; 60 means homes are on the books at about 60% of what they would sell for.Kind of figure: Official determinationWhy it matters: It shows how out of date a town’s assessments are: the further from 100, the longer since it revalued.Official determination91.7%65.0%-29.2%-6.7%/yr276th of 564 NJ municipalities2020 → 2025
Incomes and jobs
Median household incomeMedian household income. The income of the household in the middle: half of households here earn more, half less. From the Census Bureau’s survey, pooled over five years.Kind of figure: Survey estimateWhy it matters: It is the yardstick for affordability; prices only mean something next to what people earn.aSurvey estimate$124,931± $8,520$160,354± $24,724+28.4%± 21.6%—Can’t be told apart from most of 551 NJ municipalities with databetween 4th and 532nd2019 → 2024
Homes and people
Residential units permittedResidential units permitted. How many new homes builders were given permission to build here in a year, each apartment counted as one.Kind of figure: Administrative recordsWhy it matters: More permits mean more homes on the way, which can ease prices; few mean supply is not keeping up.bAdministrative records415+275.0%30.2%/yr79th of 478 NJ municipalities with data2020 → 2025
Vacancy rateVacancy rate. The share of all homes standing empty, including holiday homes and homes for sale or rent.Kind of figure: Survey estimateWhy it matters: Low vacancy means a tight market where homes fill fast. Shore towns read high because of holiday homes.aSurvey estimate7.5%± 6.0 points0.0%0.0% to 0.8%-100.0%± 10.6%—Toward the bottom of 562 NJ municipalities with databetween 356th and 562nd2019 → 2024
Homeownership rateHomeownership rate. The share of occupied homes lived in by their owners rather than rented out.Kind of figure: Survey estimateWhy it matters: It shows whether a place is mostly owners or has plenty of rentals.aSurvey estimate89.9%± 5.2 points90.7%76.0% to 100.0%+0.9%± 17.4%—Can’t be told apart from most of 563 NJ municipalities with databetween 9th and 556th2019 → 2024
Total populationTotal population. How many people live here, from the Census Bureau’s survey, pooled over five years.Kind of figure: Survey estimateWhy it matters: Growth means more people competing for homes; decline can mean the opposite.aSurvey estimate4,785± 204,824± 24+0.8%± 0.7%—Toward the bottom of 564 NJ municipalitiesbetween 329th and 477th2019 → 2024
Population estimatePopulation estimate. The Census Bureau’s estimate of residents as of July 1, using the last census plus births, deaths and migration. Not a survey average.Kind of figure: Modelled estimateWhy it matters: A newer population snapshot. Survey-based population stays the denominator of this site’s calculated ratios.Modelled estimate4,7974,811+0.3%0.1%/yr493rd of 564 NJ municipalitiesJul 2020 → Jul 2025
The homes
Single-family detached homesSingle-family detached homes. The share of homes here that are houses standing on their own, as the Census counts them.Kind of figure: Survey estimateWhy it matters: Says whether a place is mostly houses or mostly apartments, which shapes what is for sale and for rent.aSurvey estimate95.2%± 2.5 points97.4%± 2.2 points+2.3%± 3.6%—Can’t be told apart from most of 564 NJ municipalitiesbetween 21st and 463rd2019 → 2024
Median year builtMedian year built. The year the middle home here was built: half are older and half newer, as households told the Census.Kind of figure: Survey estimateWhy it matters: Older homes can need more upkeep and may contain lead paint or outdated wiring.aSurvey estimate1978± 61985± 4+0.4%± 0.4%—Can’t be told apart from most of 532 NJ municipalities with databetween 3rd and 456th2019 → 2024
Homes without a complete kitchenHomes without a complete kitchen. The share of homes here missing a sink with a faucet, a stove or range, or a refrigerator.Kind of figure: Survey estimateWhy it matters: Often rooming houses or units carved out of larger homes, as well as homes in poor repair.aSurvey estimate4.9%0.0% to 10.0%0.9%0.0% to 2.3%-81.3%± 34.9%—Can’t be told apart from most of 480 NJ municipalities with databetween 1st and 454th2019 → 2024
Homeowner vacancy rateHomeowner vacancy rate. The share of owned homes here that stood empty and for sale, as the Census defines the homeowner vacancy rate.Kind of figure: Survey estimateWhy it matters: A low rate means few homes on the market at a time, so buyers compete.aSurvey estimate5.6%0.0% to 11.3%0.0%0.0% to 0.9%-100.0%± 15.9%—Can’t be told apart from most of 429 NJ municipalities with databetween 20th and 429th2019 → 2024
Households and getting around
People per householdPeople per household. How many people live in the average home here, as households told the Census.Kind of figure: Survey estimateWhy it matters: Larger households need more room, which says what kind of homes are in demand.aSurvey estimate2.76± 0.162.73± 0.33-1.1%± 13.3%—Can’t be told apart from most of 564 NJ municipalitiesbetween 7th and 554th2019 → 2024
Households of one personHouseholds of one person. The share of households here that are one person living alone.Kind of figure: Survey estimateWhy it matters: Says how much of the demand here is for smaller homes.aSurvey estimate7.6%± 4.5 points22.1%± 10.7 points+192.0%± 224.1%—Can’t be told apart from most of 563 NJ municipalities with databetween 1st and 538th2019 → 2024
Households with childrenHouseholds with children. The share of households here with at least one child under 18.Kind of figure: Survey estimateWhy it matters: Families with children look for space and schools, which shapes what homes are in demand.aSurvey estimate30.3%± 4.5 points27.3%± 3.1 points-10.0%± 17.0%—Can’t be told apart from most of 562 NJ municipalities with databetween 56th and 545th2019 → 2024
People with a disabilityPeople with a disability. The share of people here with a disability affecting hearing, sight, memory, walking, self-care or living on their own.Kind of figure: Survey estimateWhy it matters: Says how many people here may need homes that are accessible without stairs.aSurvey estimate8.9%± 2.7 points7.9%± 2.8 points-11.2%± 41.5%—Can’t be told apart from most of 562 NJ municipalities with databetween 24th and 561st2019 → 2024
Students at private schoolsStudents at private schools. Of the children who live here and attend kindergarten to grade 12, the share enrolled at a private school. Charter and county vocational schools count as public.Kind of figure: Survey estimateWhy it matters: Not every child who lives here attends the local district’s schools.aSurvey estimate5.7%0.0% to 12.7%37.4%± 20.5 points+555.3%± 881.2%—Too uncertain to place among 544 NJ municipalities with data2019 → 2024
Students at private schools, kindergarten to grade 8Students at private schools, kindergarten to grade 8. Of the children who live here in kindergarten to grade 8, the share enrolled at a private school.Kind of figure: Survey estimateWhy it matters: Private enrollment often differs between the younger grades and high school.aSurvey estimate4.8%0.0% to 14.3%44.8%± 27.6 points+824.2%± 1889.0%—Too uncertain to place among 517 NJ municipalities with data2019 → 2024
Students at private schools, grades 9 to 12Students at private schools, grades 9 to 12. Of the children who live here in grades 9 to 12, the share enrolled at a private school.Kind of figure: Survey estimateWhy it matters: Private enrollment often differs between the younger grades and high school.aSurvey estimate6.9%0.0% to 17.3%25.7%0.0% to 53.4%+273.9%± 692.6%—Too uncertain to place among 502 NJ municipalities with data2019 → 2024
Households without a carHouseholds without a car. The share of households here that have no car, van or truck.Kind of figure: Survey estimateWhy it matters: High where transit is good, and where households cannot afford a car.aSurvey estimate1.7%0.0% to 3.7%1.4%0.0% to 4.0%-15.2%± 182.7%—Too uncertain to place among 554 NJ municipalities with data2019 → 2024
Workers commuting by transitWorkers commuting by transit. The share of workers living here who usually get to work by bus, train, light rail or ferry.Kind of figure: Survey estimateWhy it matters: Shows how practical it is to get around here without a car.aSurvey estimate2.0%± 1.5 points0.0%0.0% to 0.7%-100.0%± 33.5%—Toward the bottom of 537 NJ municipalities with databetween 242nd and 537th2019 → 2024
Workers working from homeWorkers working from home. The share of workers living here who usually work from home.Kind of figure: Survey estimateWhy it matters: A place where many work from home draws people for its homes rather than its commute.aSurvey estimate8.2%± 4.0 points24.9%± 8.3 points+204.1%± 178.5%—Can’t be told apart from most of 557 NJ municipalities with databetween 19th and 550th2019 → 2024
Commute, minutes each wayCommute, minutes each way. How many minutes the average worker living here takes to get to work, one way, not counting those who work from home.Kind of figure: Survey estimateWhy it matters: A cheaper home farther out can cost hours a week in travel.aSurvey estimate42.1 min± 7.1 min43.9 min± 10.5 min+4.2%± 30.5%—Can’t be told apart from most of 561 NJ municipalities with databetween 6th and 561st2019 → 2024
  1. aACSACS. American Community Survey: the Census Bureau’s rolling survey. Figures here are five-year estimates, so “2023” means the survey years 2019–2023, not a count taken that year. 5-year vintages overlap by four years, so consecutive estimates are not independent measurements and short windows understate the real separation.
  2. bPermit counts are small numbers below county level, so a large percentage change can rest on a handful of units and mean little.
  3. Some metrics rank this region against fewer peers than the level contains, because not every region carries every metric. Compare ranks only within the cohort size each one reports.

Change ranks compare five-year movement, not price or size. Rank 1 is the largest rise—or the smallest where lower is better, such as unemployment.

Figures marked ± come from the Census Bureau’s survey and carry its 90% margin of errorMargin of error. How far a survey figure could be from the true value. A ± figure here is the Census Bureau’s 90% margin: the true value is very likely within that range.: the true figure is very likely within that range of the estimate. Where the margins cannot tell a place from its neighbours, its rank reads as a range. “No sampling error” marks a figure the Census fixes to its population estimates rather than estimating from the survey, such as a county’s population. HUDHUD. The U.S. Department of Housing and Urban Development, the federal housing agency. It sets the income limits and Fair Market Rents housing programs use, and publishes data on who struggles with housing costs.’s CHASCHAS. Comprehensive Housing Affordability Strategy: HUD’s special tabulation of ACS microdata, counting households by the share of their income that goes on housing. figures come from the same survey and carry HUD’s margins the same way.

Current values

Ranks compare values, not change. Single-snapshot CHAS and MOD-IV figures appear only here.

MeasureValueRank by valueAs ofSource
Affordable housing and assistance
DCA fourth-round present need, non-bindingDCA fourth-round present need, non-binding. DCA’s non-binding calculation of existing affordable housing need for the 2025–2035 round, published in October 2024.Kind of figure: Modelled estimateWhy it matters: A planning baseline, not a final court-approved obligation or a count of available homes.Modelled estimate0—Oct 2024NJ affordable housing
DCA fourth-round prospective need, capped and non-bindingDCA fourth-round prospective need, capped and non-binding. DCA’s non-binding calculation of added need for 2025–2035, with its published 1,000-home/20% cap.Kind of figure: Modelled estimateWhy it matters: Shows the state’s planning calculation, not the town’s final legal obligation.Modelled estimate75—Oct 2024NJ affordable housing
Affordable units in projects reported completedAffordable units in projects reported completed. Affordable units in municipal reports that mark a certificate of occupancy granted. Missing counts and unknown completion statuses are left out.Kind of figure: Administrative recordsWhy it matters: A partial reported inventory across rounds, including rehabilitation. It cannot measure completion of the fourth-round need.Administrative records1—Jul 2026NJ affordable housing
Reported affordable housing trust fund balanceReported affordable housing trust fund balance. The balance towns report in their affordable housing trust funds. Missing submissions are omitted, not treated as zero.Kind of figure: Administrative recordsWhy it matters: Unspent commitments are not deducted, so this is not the amount freely available for new projects. Negative reports stay negative.Administrative records$196,227—Jul 2026NJ affordable housing
Prices
Typical sale price, recent transactionsTypical sale price, recent transactions. The price of the middle home actually sold here over the last three years. New Jersey sets aside sales that are not open-market — inheritances, sales between relatives, sheriff’s sales — and counts only the rest.Kind of figure: Administrative recordsWhy it matters: It is what buyers really paid, not an estimate of what homes are worth.cAdministrative records$685,000142nd of 540 NJ municipalities with dataJun 2026NJ sales
Median owner-occupied home valueMedian owner-occupied home value. What the middle homeowner says their home is worth, as owners told the Census Bureau’s survey. It covers every kind of owned home.Kind of figure: Survey estimateWhy it matters: An older, self-reported view of prices: useful where Zillow has no figure, and as a check on it.aSurvey estimate$552,000± $48,058Toward the top of 560 NJ municipalities with databetween 147th and 228th2024Census ACS
Median assessed value, residential parcelsMedian assessed value, residential parcels. The middle value the town has put on one- to four-family homes for property tax. Not a market price: each town assesses on its own schedule.Kind of figure: Administrative recordsWhy it matters: It decides how the tax bill is shared within a town, but cannot be compared between towns.Administrative records$360,500252nd of 563 NJ municipalities with data2024NJ MOD-IV
Median gross rentMedian gross rent. What the middle renting household actually pays each month, utilities included, as renters told the Census Bureau’s survey.Kind of figure: Survey estimateWhy it matters: It is what tenants already in place pay; the gap to today’s asking rent shows how fast the market has moved.aSurvey estimate$1,715/mo± $68/moCan’t be told apart from most of 558 NJ municipalities with databetween 160th and 435th2019Census ACS
Median gross rent, two bedroomsMedian gross rent, two bedrooms. What the middle two-bedroom home here rents for each month, utilities included, as tenants told the Census.Kind of figure: Survey estimateWhy it matters: The size HUD’s Fair Market Rent is set for, so the two can be compared.aSurvey estimate$142/mo± $128/moNear the bottom of 522 NJ municipalities with databetween 520th and 522nd2023Census ACS
Rent paid to the landlord, lower quarterRent paid to the landlord, lower quarter. A quarter of renters here pay their landlord less than this each month. Utilities are not included.Kind of figure: Survey estimateWhy it matters: Shows what the cheaper rentals cost, which the middle figure hides.aSurvey estimate$1,286/mo± $255/moCan’t be told apart from most of 557 NJ municipalities with databetween 67th and 439th2019Census ACS
Rent paid to the landlord, upper quarterRent paid to the landlord, upper quarter. A quarter of renters here pay their landlord more than this each month. Utilities are not included.Kind of figure: Survey estimateWhy it matters: With the lower quarter, shows how wide the range of rents is.aSurvey estimate$1,466/mo± $1,000/moCan’t be told apart from most of 556 NJ municipalities with databetween 96th and 556th2021Census ACS
Affordability
Sale price to household incomeSale price to household income. How many years of the typical household’s income the typical sale cost: the state’s median of usable sales over three years, over the Census Bureau’s median income.Kind of figure: Calculated hereWhy it matters: It covers towns Zillow does not. Compare it with other sale-price ratios, not with home value to income.Calculated here3.80×± 0.59×Can’t be told apart from most of 536 NJ municipalities with databetween 102nd and 394th2024Calculated here

NoteThis site's sale-price ratio divides the medianMedian. The middle value: half are above it and half below. Unlike an average, a few very large values do not pull it up. of usable sales over three years by household income. It measures what buyers paid, not what the typical home is worth, so it compares with other places' sale-price ratios, not with the home value to income ratio.

Renters paying over 30% of income on housingRenters paying over 30% of income on housing. The share of renting households spending more than 30% of their income on rent and utilities.Kind of figure: Survey estimateWhy it matters: 30% is the line the government uses for “cost-burdened”: above it, rent squeezes everything else.aSurvey estimate11.7%0.0% to 33.1%Near the top of 563 NJ municipalities with databetween 1st and 152nd2024Census ACS
Renters paying half their income or moreRenters paying half their income or more. The share of renting households here paying half their income or more on rent and utilities.Kind of figure: Survey estimateWhy it matters: Households this stretched have little left for anything else and are the most at risk of losing their home.aSurvey estimate0.0%0.0% to 8.6%Near the top of 563 NJ municipalities with databetween 1st and 119th2024Census ACS
Renters paying over 30% of income, HUD CHASRenters paying over 30% of income, HUD CHAS. The share of renting households spending more than 30% of income on housing, as HUD counts it from Census data.Kind of figure: Survey estimateWhy it matters: HUD’s own count of cost-burdened renters, the figure behind official housing plans.dSurvey estimate0.0%0.0% to 10.4%Near the top of 562 NJ municipalities with databetween 1st and 75th2022HUD CHAS
Renters paying over 50% of income, HUD CHASRenters paying over 50% of income, HUD CHAS. The share of renting households spending more than half their income on housing.Kind of figure: Survey estimateWhy it matters: It leaves little for food, travel or savings, so it marks the households under the most strain.dSurvey estimate0.0%0.0% to 10.4%Near the top of 562 NJ municipalities with databetween 1st and 170th2022HUD CHAS
Owners paying over 30% of income, HUD CHASOwners paying over 30% of income, HUD CHAS. The share of homeowners spending more than 30% of their income on housing: mortgage, tax, insurance and utilities.Kind of figure: Survey estimateWhy it matters: Owners can be squeezed too; this shows how many are stretched by what they pay.dSurvey estimate24.6%± 9.8 pointsCan’t be told apart from most of 563 NJ municipalities with databetween 3rd and 531st2022HUD CHAS
Owners paying half their income or moreOwners paying half their income or more. The share of homeowners here paying half their income or more on their mortgage, tax, insurance and utilities.Kind of figure: Survey estimateWhy it matters: Owning does not always mean affordable; this counts owners under the most strain.aSurvey estimate11.6%± 6.3 pointsCan’t be told apart from most of 563 NJ municipalities with databetween 14th and 532nd2024Census ACS
Owner costs a month, with a mortgageOwner costs a month, with a mortgage. What the middle owner with a mortgage here pays each month for the loan, tax, insurance, utilities and fees, as owners told the Census.Kind of figure: Survey estimateWhy it matters: What owning costs people who already own, many on older, cheaper loans than a buyer gets today.aSurvey estimate$3,416/mo± $291/moToward the top of 539 NJ municipalities with databetween 46th and 194th2024Census ACS
Owner costs a month, without a mortgageOwner costs a month, without a mortgage. What the middle owner without a mortgage here pays each month for tax, insurance, utilities and fees.Kind of figure: Survey estimateWhy it matters: The cost of a home that never goes away, even once the loan is paid off.aSurvey estimate$1,454/mo± $208/moToward the top of 511 NJ municipalities with databetween 1st and 257th2024Census ACS
Annual property tax bill, typical homeAnnual property tax bill, typical home. What the middle one- to four-family home paid in property tax in the tax year shown, before any relief a household may claim.Kind of figure: Administrative recordsWhy it matters: New Jersey’s property taxes are among the highest in the country, so this can matter as much as the price.Administrative records$10,798172nd of 563 NJ municipalities with data2024NJ MOD-IV

NoteThe property tax bill is the medianMedian. The middle value: half are above it and half below. Unlike an average, a few very large values do not pull it up. total tax across one- to four-family homes in MOD-IVMOD-IV. New Jersey’s property tax assessment records, kept by the Division of Taxation: a record for every parcel, with its assessed value, property class and year built., New Jersey's assessment records, for the tax year its period names — the year NJOGIS last joined its parcel map to. It is the bill as levied, before relief paid to individual households such as ANCHOR, and it follows each municipality's own assessments rather than a rate on market value.

Effective property tax rateEffective property tax rate. Property tax per $100 of what a home is actually worth on the market, as New Jersey publishes it.Kind of figure: Official determinationWhy it matters: The one property tax figure that can be compared between towns, because it is measured against market value rather than each town’s own assessment.Official determination$2.20 per $100312th of 564 NJ municipalities2025NJ tax rates
General property tax rateGeneral property tax rate. Property tax per $100 of the value the town has assessed — the rate printed on a tax bill.Kind of figure: Official determinationWhy it matters: It is the rate you are charged, but it cannot be compared between towns: a town that assesses homes at half their worth needs twice the rate to raise the same money.Official determination$3.08 per $100258th of 564 NJ municipalities2025NJ tax rates
Director's Ratio (assessment to market value)Director's Ratio (assessment to market value). How close the town’s assessments are to market value, as a percentage. 100 means they match; 60 means homes are on the books at about 60% of what they would sell for.Kind of figure: Official determinationWhy it matters: It shows how out of date a town’s assessments are: the further from 100, the longer since it revalued.Official determination65.0%279th of 564 NJ municipalities2025NJ tax rates
Running costs
Homeowners insurance a year, typical home with a mortgageHomeowners insurance a year, typical home with a mortgage. What the middle homeowner with a mortgage pays a year to insure the home, as owners told the Census. Worked out from the Census’s price brackets, so no margin is given.Kind of figure: Survey estimateWhy it matters: Lenders require it, so it is part of the monthly cost; a new policy can cost more than owners already insured pay.aSurvey estimate$1,226no margin available—2024Census ACS
Electricity a month, typical home billed for itElectricity a month, typical home billed for it. The middle monthly electricity bill among homes here that pay one, owners and renters alike, as households told the Census. Worked out from the Census’s price brackets, so no margin is given.Kind of figure: Survey estimateWhy it matters: Part of what a home costs to run every month, on top of the mortgage or the rent.aSurvey estimate$163/mono margin available—2024Census ACS
Water and sewer a year, typical home billed for itWater and sewer a year, typical home billed for it. The middle yearly water and sewer bill among homes here billed for it, as households told the Census. Worked out from the Census’s price brackets, so no margin is given.Kind of figure: Survey estimateWhy it matters: Often billed by the town or a utility every quarter, so easy to leave out of a monthly budget.aSurvey estimate$117no margin available—2024Census ACS
Renters paying utilities on top of rentRenters paying utilities on top of rent. The share of renting households here that pay for at least one utility on top of their rent.Kind of figure: Survey estimateWhy it matters: It says how often a quoted rent leaves the bills to the tenant, which matters when setting a rent against the cost of owning.aSurvey estimate100.0%no margin available—2024Census ACS
Heated with utility gasHeated with utility gas. The share of homes here heated mainly with gas piped in by a utility.Kind of figure: Survey estimateWhy it matters: The heating fuel sets which bills a home runs up in winter.aSurvey estimate2.1%0.0% to 4.9%—2024Census ACS
Heated with electricityHeated with electricity. The share of homes here heated mainly with electricity, by heat pump or by resistance heat.Kind of figure: Survey estimateWhy it matters: The heating fuel sets which bills a home runs up in winter.aSurvey estimate7.2%± 4.2 points—2024Census ACS
Heated with oilHeated with oil. The share of homes here heated mainly with heating oil or kerosene, delivered by truck.Kind of figure: Survey estimateWhy it matters: Oil can cost more than gas, and an old tank can be a costly problem when buying.aSurvey estimate58.8%± 11.0 points—2024Census ACS
Heated with propaneHeated with propane. The share of homes here heated mainly with propane from a tank.Kind of figure: Survey estimateWhy it matters: Common where gas lines do not reach; prices swing with the season.aSurvey estimate27.2%± 6.7 points—2024Census ACS
Heated another way, or not at allHeated another way, or not at all. The share of homes here heated with wood, coal, solar or another fuel, or not heated at all.Kind of figure: Survey estimateWhy it matters: Part of the mix of heating fuels here.aSurvey estimate4.7%± 3.4 points—2024Census ACS
Incomes and jobs
Median household incomeMedian household income. The income of the household in the middle: half of households here earn more, half less. From the Census Bureau’s survey, pooled over five years.Kind of figure: Survey estimateWhy it matters: It is the yardstick for affordability; prices only mean something next to what people earn.aSurvey estimate$160,354± $24,724Toward the top of 562 NJ municipalities with databetween 41st and 192nd2024Census ACS
Homes and people
Residential units permittedResidential units permitted. How many new homes builders were given permission to build here in a year, each apartment counted as one.Kind of figure: Administrative recordsWhy it matters: More permits mean more homes on the way, which can ease prices; few mean supply is not keeping up.bAdministrative records15274th of 563 NJ municipalities with data2025Census permits
Homes completedHomes completed. How many new homes were finished and certified ready to live in during the year, from each town’s construction office.Kind of figure: Administrative recordsWhy it matters: Permits say what may be built; this says what was. A town that reported nothing has no figure, not zero.Administrative records3—2025NJ construction
Homes completed, one- and two-familyHomes completed, one- and two-family. New homes finished in houses and two-family buildings.Kind of figure: Administrative recordsWhy it matters: Shows how much of what gets built is single-family housing.Administrative records3—2025NJ construction
Homes completed, mixed-useHomes completed, mixed-use. New homes finished in buildings that also hold shops or offices.Kind of figure: Administrative recordsWhy it matters: Homes above stores are common in downtowns and near train stations.Administrative records0—2025NJ construction
Homes demolishedHomes demolished. How many homes were torn down during the year, counted from demolition permits.Kind of figure: Administrative recordsWhy it matters: A home demolished cancels out a home built; the net is what the stock really gained.Administrative records14—2025NJ construction
Net homes addedNet homes added. Homes finished minus homes demolished in the year, where the town reported both.Kind of figure: Calculated hereWhy it matters: The real change in how many homes there are.Calculated here-11—2025NJ construction
Net homes added per 1,000 homesNet homes added per 1,000 homes. Net homes added in the year for every 1,000 homes already standing.Kind of figure: Calculated hereWhy it matters: Compares how fast places of different sizes are growing their housing. One big building can swing a small town for a year.Calculated here-3.4 per 1,000 homes± -0.4 per 1,000 homesNear the bottom of 557 NJ municipalities with databetween 536th and 541st2024Calculated here
Homes, all housing unitsHomes, all housing units. How many homes there are, occupied or empty, from the Census Bureau’s survey, pooled over five years.Kind of figure: Survey estimateWhy it matters: The size of the housing stock that new building is measured against.aSurvey estimate1,745± 210—2024Census ACS
Vacancy rateVacancy rate. The share of all homes standing empty, including holiday homes and homes for sale or rent.Kind of figure: Survey estimateWhy it matters: Low vacancy means a tight market where homes fill fast. Shore towns read high because of holiday homes.aSurvey estimate0.0%0.0% to 0.8%Near the bottom of 564 NJ municipalitiesbetween 435th and 564th2024Census ACS
Homeownership rateHomeownership rate. The share of occupied homes lived in by their owners rather than rented out.Kind of figure: Survey estimateWhy it matters: It shows whether a place is mostly owners or has plenty of rentals.aSurvey estimate90.7%76.0% to 100.0%Toward the top of 564 NJ municipalitiesbetween 1st and 317th2024Census ACS
Total populationTotal population. How many people live here, from the Census Bureau’s survey, pooled over five years.Kind of figure: Survey estimateWhy it matters: Growth means more people competing for homes; decline can mean the opposite.aSurvey estimate4,824± 24Near the bottom of 564 NJ municipalitiesbetween 385th and 389th2024Census ACS
Population estimatePopulation estimate. The Census Bureau’s estimate of residents as of July 1, using the last census plus births, deaths and migration. Not a survey average.Kind of figure: Modelled estimateWhy it matters: A newer population snapshot. Survey-based population stays the denominator of this site’s calculated ratios.Modelled estimate4,811388th of 564 NJ municipalitiesJul 2025Census population
Residential parcelsResidential parcels. How many one- to four-family properties are on the tax roll. A parcel is a lot and what stands on it.Kind of figure: Administrative recordsWhy it matters: It shows how large a place’s stock of houses is, as against its apartments.Administrative records1,506406th of 564 NJ municipalities2024NJ MOD-IV
Apartment share of residential parcelsApartment share of residential parcels. Apartment buildings as a share of residential properties. It counts buildings, not homes: a 200-unit building counts once.Kind of figure: Administrative recordsWhy it matters: More apartment buildings usually mean more rentals to choose from and a denser, more mixed place.Administrative records0.1%409th of 564 NJ municipalities2024NJ MOD-IV
Vacant land share of parcelsVacant land share of parcels. The share of properties on the tax roll that are vacant land, including wetland and preserved land that cannot be built on.Kind of figure: Administrative recordsWhy it matters: A rough sign of how much room is left to build, to be read with care.Administrative records5.3%176th of 564 NJ municipalities2024NJ MOD-IV
Median year built, residential parcelsMedian year built, residential parcels. The middle year one- to four-family homes here were built, from the property tax records.Kind of figure: Administrative recordsWhy it matters: Older homes often mean more upkeep and more character; newer ones, recent building and prices to match.Administrative records198288th of 562 NJ municipalities with data2024NJ MOD-IV
Median residential lot sizeMedian residential lot size. The middle lot size of one- to four-family homes here, in acres. An acre is 43,560 square feet.Kind of figure: Administrative recordsWhy it matters: Bigger lots mean more space and fewer homes to a street, and usually a higher price per home.Administrative records1.94 ac18th of 561 NJ municipalities with data2024NJ MOD-IV
The homes
Single-family detached homesSingle-family detached homes. The share of homes here that are houses standing on their own, as the Census counts them.Kind of figure: Survey estimateWhy it matters: Says whether a place is mostly houses or mostly apartments, which shapes what is for sale and for rent.aSurvey estimate97.4%± 2.2 pointsNear the top of 564 NJ municipalitiesbetween 6th and 75th2024Census ACS
Townhouses and other attached homesTownhouses and other attached homes. The share of homes here that are single-family homes sharing a wall, such as townhouses and rowhouses.Kind of figure: Survey estimateWhy it matters: Part of the mix of homes; often cheaper than a detached house nearby.aSurvey estimate0.0%0.0% to 0.8%—2024Census ACS
Homes in buildings of two to fourHomes in buildings of two to four. The share of homes here in two- to four-family buildings, such as duplexes and triple-deckers.Kind of figure: Survey estimateWhy it matters: Small multi-family buildings are where many renters live, and some owners live in one and rent the rest.aSurvey estimate2.6%0.0% to 5.5%—2024Census ACS
Homes in buildings of five to 19Homes in buildings of five to 19. The share of homes here in buildings of five to 19 apartments.Kind of figure: Survey estimateWhy it matters: Part of the mix of homes; mid-sized buildings are mostly rentals and condos.aSurvey estimate0.0%0.0% to 1.1%—2024Census ACS
Homes in buildings of 20 or moreHomes in buildings of 20 or more. The share of homes here in apartment buildings of 20 or more units.Kind of figure: Survey estimateWhy it matters: A high share means a dense place with large rental or condo buildings.aSurvey estimate0.0%0.0% to 1.1%—2024Census ACS
Mobile homesMobile homes. The share of homes here that are mobile or manufactured homes.Kind of figure: Survey estimateWhy it matters: Often among the cheapest homes to own, though the land under them may be rented.aSurvey estimate0.0%0.0% to 0.8%—2024Census ACS
Median year builtMedian year built. The year the middle home here was built: half are older and half newer, as households told the Census.Kind of figure: Survey estimateWhy it matters: Older homes can need more upkeep and may contain lead paint or outdated wiring.aSurvey estimate1985± 4Near the top of 548 NJ municipalities with databetween 28th and 121st2024Census ACS
Built in 2000 or laterBuilt in 2000 or later. The share of homes here built in 2000 or later.Kind of figure: Survey estimateWhy it matters: Shows how much has been built recently, and how new the homes on offer may be.aSurvey estimate15.2%± 6.7 points—2024Census ACS
Built 1980 to 1999Built 1980 to 1999. The share of homes here built between 1980 and 1999.Kind of figure: Survey estimateWhy it matters: Part of the age of the homes here, from newest to oldest.aSurvey estimate47.9%± 8.8 points—2024Census ACS
Built 1940 to 1979Built 1940 to 1979. The share of homes here built between 1940 and 1979.Kind of figure: Survey estimateWhy it matters: Homes built before 1978 may contain lead paint, which a seller must disclose.aSurvey estimate17.1%± 8.8 points—2024Census ACS
Built before 1940Built before 1940. The share of homes here built before 1940.Kind of figure: Survey estimateWhy it matters: Very old homes can have character and high upkeep costs.aSurvey estimate19.8%± 8.7 points—2024Census ACS
Studios and one-bedroom homesStudios and one-bedroom homes. The share of homes here that are studios or have one bedroom.Kind of figure: Survey estimateWhy it matters: Says how much there is here for people living alone or as a couple.aSurvey estimate3.6%± 3.4 points—2024Census ACS
Two-bedroom homesTwo-bedroom homes. The share of homes here with two bedrooms.Kind of figure: Survey estimateWhy it matters: Part of the mix of home sizes here.aSurvey estimate12.4%± 8.3 points—2024Census ACS
Three-bedroom homesThree-bedroom homes. The share of homes here with three bedrooms.Kind of figure: Survey estimateWhy it matters: Part of the mix of home sizes here; the usual family house.aSurvey estimate25.1%± 8.6 points—2024Census ACS
Four or more bedroomsFour or more bedrooms. The share of homes here with four or more bedrooms.Kind of figure: Survey estimateWhy it matters: Says how much there is here for large households.aSurvey estimate58.9%± 7.8 points—2024Census ACS
Crowded homesCrowded homes. The share of homes here with more people than rooms, counting every room but bathrooms, as the Census measures crowding.Kind of figure: Survey estimateWhy it matters: Crowding is often how households cope when homes cost more than they can pay.aSurvey estimate0.0%0.0% to 2.0%Can’t be told apart from most of 564 NJ municipalitiesbetween 1st and 439th2024Census ACS
Homes without complete plumbingHomes without complete plumbing. The share of homes here missing hot and cold running water, a bathtub or shower, or a flush toilet.Kind of figure: Survey estimateWhy it matters: A rare but basic sign of homes in poor condition.aSurvey estimate0.0%0.0% to 0.8%Can’t be told apart from most of 564 NJ municipalitiesbetween 1st and 515th2024Census ACS
Homes without a complete kitchenHomes without a complete kitchen. The share of homes here missing a sink with a faucet, a stove or range, or a refrigerator.Kind of figure: Survey estimateWhy it matters: Often rooming houses or units carved out of larger homes, as well as homes in poor repair.aSurvey estimate0.9%0.0% to 2.3%Can’t be told apart from most of 564 NJ municipalitiesbetween 1st and 537th2024Census ACS
Rental vacancy rateRental vacancy rate. The share of rental homes here that stood empty and for rent, as the Census defines the rental vacancy rate.Kind of figure: Survey estimateWhy it matters: A low rate means few rentals open at a time, which tends to push rents up.aSurvey estimate0.0%0.0% to 8.6%Can’t be told apart from most of 563 NJ municipalities with databetween 22nd and 563rd2024Census ACS
Homeowner vacancy rateHomeowner vacancy rate. The share of owned homes here that stood empty and for sale, as the Census defines the homeowner vacancy rate.Kind of figure: Survey estimateWhy it matters: A low rate means few homes on the market at a time, so buyers compete.aSurvey estimate0.0%0.0% to 0.9%Can’t be told apart from most of 563 NJ municipalities with databetween 36th and 563rd2024Census ACS
Empty homes kept for seasonal useEmpty homes kept for seasonal use. Of the homes here with nobody living in them, the share kept as summer homes, rentals for vacations, or for occasional use.Kind of figure: Survey estimateWhy it matters: Explains a high vacancy rate at the shore, where most empty homes are not for rent or sale.aSurvey estimate0.0%0.0% to 24.6%—2023Census ACS
Empty for other reasonsEmpty for other reasons. Of the homes here with nobody living in them, the share empty for none of the usual reasons: being repaired, tied up in an estate or foreclosure, or abandoned.Kind of figure: Survey estimateWhy it matters: A high share can be a sign of neglected homes.aSurvey estimate0.0%0.0% to 24.6%—2023Census ACS
How homes sell
Sale price, lower quarterSale price, lower quarter. A quarter of the homes that sold here went for less than this, over three years.Kind of figure: Administrative recordsWhy it matters: The cheaper end of what actually sells, which a median hides.cAdministrative records$534,000—Jun 2026NJ sales
Sale price, upper quarterSale price, upper quarter. A quarter of the homes that sold here went for more than this, over three years.Kind of figure: Administrative recordsWhy it matters: With the lower quarter, it shows how wide the range of prices paid is.cAdministrative records$829,000—Jun 2026NJ sales
Usable home sales, three yearsUsable home sales, three years. How many one- to four-family homes sold here in an arm’s-length sale over the three years shown, as the state recorded them.Kind of figure: Administrative recordsWhy it matters: Every sales figure on this page rests on this many sales: the fewer, the more one sale can move them.Administrative records86—Jun 2026NJ sales
Homes sold a year per 1,000Homes sold a year per 1,000. How many homes sold here in a year, on average over the three years shown, for every 1,000 homes on the tax rolls.Kind of figure: Calculated hereWhy it matters: How often homes change hands. A low rate can mean few homes come up for sale, or simply that owners stay put.Calculated here22.9 per 1,000 homes295th of 540 NJ municipalities with dataJun 2026Calculated here
Sale price per square footSale price per square foot. The middle sale price per square foot of living space, among homes sold here over three years that record their size.Kind of figure: Administrative recordsWhy it matters: Compares prices across homes of different sizes, which a median price cannot.cAdministrative records$263348th of 538 NJ municipalities with dataJun 2026NJ sales
Median year built, homes soldMedian year built, homes sold. The middle year built of the homes that sold here over three years — the age of what changed hands, not of every home.Kind of figure: Administrative recordsWhy it matters: Says whether buyers here are mostly buying older homes or new ones.Administrative records1986—Jun 2026NJ sales
Assessed value to sale priceAssessed value to sale price. A home’s assessed value as a share of what it sold for, the middle of recent sales here, as the state works it out.Kind of figure: Administrative recordsWhy it matters: Below 100% means assessments trail the market; how far is why two towns’ tax rates cannot be compared directly.Administrative records57.6%—Jun 2026NJ sales

NoteThe sales ratio is a home's assessed valueAssessed value. The value the town puts on a property for tax purposes. It can be far from today’s market price, since towns reassess only every few years. over its sale price. Below 100% means assessments trail the market, which they do more the longer since a town last revalued; it is not a tax rate and says nothing alone about a bill.

Households and getting around
People per householdPeople per household. How many people live in the average home here, as households told the Census.Kind of figure: Survey estimateWhy it matters: Larger households need more room, which says what kind of homes are in demand.aSurvey estimate2.73± 0.33Can’t be told apart from most of 564 NJ municipalitiesbetween 24th and 430th2024Census ACS
Households of one personHouseholds of one person. The share of households here that are one person living alone.Kind of figure: Survey estimateWhy it matters: Says how much of the demand here is for smaller homes.aSurvey estimate22.1%± 10.7 pointsCan’t be told apart from most of 564 NJ municipalitiesbetween 71st and 548th2024Census ACS
Married-couple householdsMarried-couple households. The share of households here headed by a married couple.Kind of figure: Survey estimateWhy it matters: Part of who lives here.aSurvey estimate65.8%± 5.7 points—2024Census ACS
Households with childrenHouseholds with children. The share of households here with at least one child under 18.Kind of figure: Survey estimateWhy it matters: Families with children look for space and schools, which shapes what homes are in demand.aSurvey estimate27.3%± 3.1 pointsToward the bottom of 564 NJ municipalitiesbetween 209th and 476th2024Census ACS
People with a disabilityPeople with a disability. The share of people here with a disability affecting hearing, sight, memory, walking, self-care or living on their own.Kind of figure: Survey estimateWhy it matters: Says how many people here may need homes that are accessible without stairs.aSurvey estimate7.9%± 2.8 pointsToward the bottom of 564 NJ municipalitiesbetween 191st and 559th2024Census ACS
Students at private schoolsStudents at private schools. Of the children who live here and attend kindergarten to grade 12, the share enrolled at a private school. Charter and county vocational schools count as public.Kind of figure: Survey estimateWhy it matters: Not every child who lives here attends the local district’s schools.aSurvey estimate37.4%± 20.5 pointsNear the top of 563 NJ municipalities with databetween 2nd and 154th2024Census ACS
Students at private schools, kindergarten to grade 8Students at private schools, kindergarten to grade 8. Of the children who live here in kindergarten to grade 8, the share enrolled at a private school.Kind of figure: Survey estimateWhy it matters: Private enrollment often differs between the younger grades and high school.aSurvey estimate44.8%± 27.6 pointsNear the top of 562 NJ municipalities with databetween 2nd and 158th2024Census ACS
Students at private schools, grades 9 to 12Students at private schools, grades 9 to 12. Of the children who live here in grades 9 to 12, the share enrolled at a private school.Kind of figure: Survey estimateWhy it matters: Private enrollment often differs between the younger grades and high school.aSurvey estimate25.7%0.0% to 53.4%Can’t be told apart from most of 561 NJ municipalities with databetween 5th and 561st2024Census ACS
Households without a carHouseholds without a car. The share of households here that have no car, van or truck.Kind of figure: Survey estimateWhy it matters: High where transit is good, and where households cannot afford a car.aSurvey estimate1.4%0.0% to 4.0%Toward the bottom of 564 NJ municipalitiesbetween 226th and 564th2024Census ACS
Workers commuting by transitWorkers commuting by transit. The share of workers living here who usually get to work by bus, train, light rail or ferry.Kind of figure: Survey estimateWhy it matters: Shows how practical it is to get around here without a car.aSurvey estimate0.0%0.0% to 0.7%Toward the bottom of 564 NJ municipalitiesbetween 349th and 564th2024Census ACS
Workers working from homeWorkers working from home. The share of workers living here who usually work from home.Kind of figure: Survey estimateWhy it matters: A place where many work from home draws people for its homes rather than its commute.aSurvey estimate24.9%± 8.3 pointsToward the top of 564 NJ municipalitiesbetween 12th and 301st2024Census ACS
Workers driving aloneWorkers driving alone. The share of workers living here who usually drive to work alone.Kind of figure: Survey estimateWhy it matters: Part of how people here get to work.aSurvey estimate69.3%± 7.0 points—2024Census ACS
Workers walking to workWorkers walking to work. The share of workers living here who usually walk to work.Kind of figure: Survey estimateWhy it matters: Part of how people here get to work.aSurvey estimate0.0%0.0% to 0.7%—2024Census ACS
Commute, minutes each wayCommute, minutes each way. How many minutes the average worker living here takes to get to work, one way, not counting those who work from home.Kind of figure: Survey estimateWhy it matters: A cheaper home farther out can cost hours a week in travel.aSurvey estimate43.9 min± 10.5 minToward the bottom of 562 NJ municipalities with databetween 339th and 562nd2024Census ACS
Commutes of an hour or moreCommutes of an hour or more. The share of workers living here who take an hour or more to get to work, one way.Kind of figure: Survey estimateWhy it matters: Long commutes are often the price of a cheaper home farther from jobs.aSurvey estimate26.8%± 9.9 points—2024Census ACS
Where people work and transit nearby
Jobs held by residentsJobs held by residents. Jobs held by people who live here, wherever the job is: jobs covered by unemployment insurance and federal civilian jobs, from the Census Bureau’s LODES.Kind of figure: Administrative recordsWhy it matters: The base the work shares are taken of. Self-employment and military jobs are not counted, and two jobs count twice.Administrative records2,531—2023Census LODES
Residents' jobs in their own townResidents' jobs in their own town. The share of residents’ jobs located in this town.Kind of figure: Calculated hereWhy it matters: A town where few residents work locally is one most people leave each morning.Calculated here4.8%—2023Census LODES
Residents' jobs in their home countyResidents' jobs in their home county. The share of residents’ jobs located in the county they live in, their own town included.Kind of figure: Calculated hereWhy it matters: Shows how far most residents’ work reaches.Calculated here32.8%—2023Census LODES
Residents' jobs elsewhere in New JerseyResidents' jobs elsewhere in New Jersey. The share of residents’ jobs in New Jersey but outside their home county.Kind of figure: Calculated hereWhy it matters: Part of where residents work.Calculated here55.5%—2023Census LODES
Residents' jobs in New York CityResidents' jobs in New York City. The share of residents’ jobs located in New York City’s five boroughs.Kind of figure: Calculated hereWhy it matters: Where many residents work in the city, the trip across the Hudson shapes daily life and costs.Calculated here3.6%—2023Census LODES
Residents' jobs in PennsylvaniaResidents' jobs in Pennsylvania. The share of residents’ jobs located in Pennsylvania, Philadelphia included.Kind of figure: Calculated hereWhy it matters: Part of where residents work.Calculated here6.0%—2023Census LODES
Residents' jobs in other statesResidents' jobs in other states. The share of residents’ jobs outside New Jersey, New York City and Pennsylvania.Kind of figure: Calculated hereWhy it matters: Part of where residents work. LODES 2023 has no records for Alaska or Michigan.Calculated here2.2%—2023Census LODES
Homes within half a mile of a rail stopHomes within half a mile of a rail stop. The share of homes within half a mile, in a straight line, of a commuter rail, PATH, PATCO, subway or light rail stop.Kind of figure: Calculated hereWhy it matters: Nearness to a station, not how often trains call there.Calculated here0.0%—2026BTS transit
Homes within a quarter mile of a bus stopHomes within a quarter mile of a bus stop. The share of homes within a quarter mile, in a straight line, of a bus stop.Kind of figure: Calculated hereWhy it matters: A stop served once a day counts the same as one served every ten minutes.Calculated here0.0%—2026BTS transit
Homes near any transit stopHomes near any transit stop. The share of homes near a rail stop (half a mile) or a bus stop (a quarter mile).Kind of figure: Calculated hereWhy it matters: How much of the place is within a walk of some transit.Calculated here0.0%—2026BTS transit
Mortgages
Home-purchase mortgages madeHome-purchase mortgages made. Mortgages made to buy an owner-occupied home here in the year, as lenders report them under HMDA.Kind of figure: Administrative recordsWhy it matters: How active home buying with a mortgage is here. Cash purchases and small lenders below HMDA’s thresholds are not counted.Administrative records42—2025HMDA mortgages
Median mortgage rate, home purchasesMedian mortgage rate, home purchases. The median interest rate on home-purchase mortgages made here in the year.Kind of figure: Calculated hereWhy it matters: What borrowers here actually got, not a rate anyone is offered today.Calculated here6.5%—2025HMDA mortgages
Median mortgage, home purchasesMedian mortgage, home purchases. The median amount borrowed to buy a home here.Kind of figure: Calculated hereWhy it matters: Published rounded to the middle of each $10,000 range, for privacy.Calculated here$435,000—2025HMDA mortgages
Median loan-to-value, home purchasesMedian loan-to-value, home purchases. The median loan as a share of the home’s value.Kind of figure: Calculated hereWhy it matters: 100% less this is the typical down payment.Calculated here80.0%—2025HMDA mortgages
Median loan costs, home purchasesMedian loan costs, home purchases. The median of the loan costs disclosed at closing: origination charges, points and third-party services.Kind of figure: Calculated hereWhy it matters: Cash a buyer needs beyond the down payment.Calculated here$6,988—2025HMDA mortgages
Median borrower income, home purchasesMedian borrower income, home purchases. The median income lenders relied on for home-purchase mortgages here.Kind of figure: Calculated hereWhy it matters: Who is buying here with a mortgage.Calculated here$151,000—2025HMDA mortgages
Conventional loans, home purchasesConventional loans, home purchases. The share of home-purchase mortgages here that no government program insures.Kind of figure: Calculated hereWhy it matters: Part of how buyers here finance.Calculated here83.3%—2025HMDA mortgages
FHA loans, home purchasesFHA loans, home purchases. The share of home-purchase mortgages here insured by the FHA, which allows 3.5% down up to a county limit.Kind of figure: Calculated hereWhy it matters: A high share means many buyers here put little down.Calculated here5.6%—2025HMDA mortgages
VA loans, home purchasesVA loans, home purchases. The share of home-purchase mortgages here guaranteed by the Department of Veterans Affairs.Kind of figure: Calculated hereWhy it matters: Part of how buyers here finance.Calculated here11.1%—2025HMDA mortgages
Home-purchase applications deniedHome-purchase applications denied. Applications denied as a share of those decided.Kind of figure: Calculated hereWhy it matters: HMDA has no credit scores, so this is not a measure of who could qualify.Calculated here1.8%—2025HMDA mortgages
Flood and environment
Homes in FEMA's 1% flood zoneHomes in FEMA's 1% flood zone. The share of homes inside FEMA’s 1%-a-year flood zone, estimated from the 2020 Census’s homes against FEMA’s map in force.Kind of figure: Calculated hereWhy it matters: A flood there has at least a 26% chance over a 30-year mortgage, and a federally backed mortgage requires flood insurance. Outside the zone is not safe.Calculated here2.8%129th of 518 NJ municipalities with data2026FEMA flood map
Homes in FEMA's 0.2% flood zoneHomes in FEMA's 0.2% flood zone. The share of homes in FEMA’s 0.2%-a-year flood zone, or behind a levee.Kind of figure: Calculated hereWhy it matters: Insurance is not required there, but floods still reach it.Calculated here1.1%264th of 518 NJ municipalities with data2026FEMA flood map
Homes in FEMA's 1% flood zone (count)Homes in FEMA's 1% flood zone (count). How many homes, as counted in 2020, are estimated to be in FEMA’s 1% flood zone.Kind of figure: Calculated hereWhy it matters: The number behind the share.Calculated here51—2026FEMA flood map
Homes FEMA's flood map determinesHomes FEMA's flood map determines. The share of homes where FEMA’s digital flood map gives a flood zone at all.Kind of figure: Calculated hereWhy it matters: Below 95%, no share in the zones is given: a share over homes the map does not reach would read as dry. Most of Morris County is in that position.Calculated here100.0%—2026FEMA flood map
Flood insurance claims paidFlood insurance claims paid. Flood insurance claims the National Flood Insurance Program paid on, by the year of the flood.Kind of figure: Administrative recordsWhy it matters: Where floods have actually cost insured owners. Only insured homes claim, so it undercounts.Administrative records5—2021FEMA flood claims
Flood insurance paidFlood insurance paid. What the National Flood Insurance Program paid for floods in the year, in that year’s dollars.Kind of figure: Administrative recordsWhy it matters: How costly a flood year was here.Administrative records$112,614—2021FEMA flood claims
Contaminated sites, cleanup openContaminated sites, cleanup open. Contaminated sites NJDEP lists whose cleanup is under way or not yet begun.Kind of figure: Administrative recordsWhy it matters: A count, not a risk: where each site is, and what it is, is on NJDEP’s map.Administrative records1—2026NJDEP contaminated sites
Contaminated sites, cleaned up with controlsContaminated sites, cleaned up with controls. Sites cleaned up with controls that stay, such as a deed notice or a limit on using the ground water.Kind of figure: Administrative recordsWhy it matters: The land is usable, with conditions that pass to the next owner.Administrative records0—2026NJDEP contaminated sites
Home heating-oil tank cleanupsHome heating-oil tank cleanups. Leaking home heating-oil tanks being cleaned up, nearly all at houses.Kind of figure: Administrative recordsWhy it matters: Common where homes were heated with oil; worth asking about when buying an older house.Administrative records0—2026NJDEP contaminated sites
Homes on public waterHomes on public water. The share of homes inside a public water system’s service area.Kind of figure: Calculated hereWhy it matters: The rest mostly drink from private wells, which New Jersey has tested only when a home is sold or leased.Calculated here2.6%—2026NJDEP water areas
Homes on a system with a recent health-based violationHomes on a system with a recent health-based violation. The share of homes whose water system had a health-based violation in the last five full years: a contaminant over its limit, or treatment not done.Kind of figure: Calculated hereWhy it matters: A period the water broke a rule, not a measure of the water today; each system’s record says what happened.Calculated here0.0%—2026EPA water records
  1. cSale prices describe the one- to four-family homes that sold, not every home: a medianMedian. The middle value: half are above it and half below. Unlike an average, a few very large values do not pull it up. that rises can mean pricier homes changed hands rather than homes becoming worth more. Counties and the state are computed from the deeds themselves, never from town medians.
  2. dCHASCHAS. Comprehensive Housing Affordability Strategy: HUD’s special tabulation of ACS microdata, counting households by the share of their income that goes on housing. figures are HUDHUD. The U.S. Department of Housing and Urban Development, the federal housing agency. It sets the income limits and Fair Market Rents housing programs use, and publishes data on who struggles with housing costs.'s tabulation of ACSACS. American Community Survey: the Census Bureau’s rolling survey. Figures here are five-year estimates, so “2023” means the survey years 2019–2023, not a count taken that year. 2018-2022 microdata, published a year behind the ACS they draw on. One vintage is loaded, so they show no change over time and describe earlier years than the newest ACS figures beside them.
  3. Notes a, b are under the table above.

Historical values

The latest 24 readings of each, newest first.

Median household income 6 readings
PeriodValueSourceMatched by
2024$160,354± $24,724American Community Survey, 5-year estimatesfips
2023$156,797± $25,311American Community Survey, 5-year estimatesfips
2022$146,133± $24,105American Community Survey, 5-year estimatesfips
2021$129,643± $14,001American Community Survey, 5-year estimatesfips
2020$127,234± $10,997American Community Survey, 5-year estimatesfips
2019$124,931± $8,520American Community Survey, 5-year estimatesfips

Sources

SourcePublisherVintagesRetrievedLicence
National Transit Map — stopsBTS transit · bts_ntmBureau of Transportation Statisticscurrent2026-10-06Public domain (U.S. Government work)
American Community Survey, 5-year estimatesCensus ACS · census_acsU.S. Census Bureau2019, 2021, 2023, 20242026-10-01Public domain (U.S. Government work)
LEHD Origin-Destination Employment Statistics (LODES 8)Census LODES · census_lodesU.S. Census Bureau20232026-10-06Public domain (U.S. Government work)
Population Estimates Program, Vintage 2025Census population · census_pepU.S. Census Bureau20252026-09-19Public domain (U.S. Government work)
Building Permits SurveyCensus permits · census_permitsU.S. Census Bureau2020, 20252026-09-23Public domain (U.S. Government work)
Safe Drinking Water Information System — violationsEPA water records · epa_sdwisU.S. Environmental Protection Agencycurrent2026-10-03Public domain (U.S. Government work)
National Flood Hazard Layer — flood hazard zonesFEMA flood map · fema_nfhlFederal Emergency Management Agencycurrent2026-10-03Public domain (U.S. Government work)
NFIP Redacted Claims (v3)FEMA flood claims · fema_nfip_claimsFederal Emergency Management Agency (OpenFEMA)current2026-10-03OpenFEMA Terms and Conditions
Home Mortgage Disclosure Act data (HMDA)HMDA mortgages · ffiec_hmdaConsumer Financial Protection Bureau (FFIEC)20252026-10-07Public domain (U.S. Government work)
Computed by the platformCalculated here · hip_derivedHousing Intelligence Platformb8440bf3c940acf72026-10-22Derived from cited sources
Comprehensive Housing Affordability Strategy (CHAS)HUD CHAS · hud_chasU.S. Department of Housing and Urban Development2018-20222026-09-11Public domain (U.S. Government work)
Affordable housing calculations and municipal status reportsNJ affordable housing · nj_affordableNJ Department of Community Affairscurrent2026-10-04Open public record
Construction Reporter — housing units certified and demolishedNJ construction · nj_constructionNew Jersey Department of Community Affairs2025-ytd2026-10-02Open public record
Known Contaminated Sites ListNJDEP contaminated sites · njdep_kcslNew Jersey Department of Environmental Protectioncurrent2026-10-16NJDEP Data Distribution Agreement
Public Community Water Purveyor Service AreasNJDEP water areas · njdep_water_areasNew Jersey Department of Environmental Protectioncurrent2026-10-03NJDEP Data Distribution Agreement
MOD-IV property tax assessment records (NJ Division of Taxation)NJ MOD-IV · nj_modivNJ Office of Information Technology, Office of GIS (NJOGIS)current2026-10-02Open public record
SR1A sales fileNJ sales · nj_sr1aNew Jersey Division of Taxation2026ytd2026-09-20Open public record
General and effective tax rates, and the Director's RatioNJ tax rates · nj_tax_ratesNew Jersey Division of Taxation20252026-09-20Open public record