# West Milford, NJ — housing report

42 metrics over the `5y` change window, ranked against 564 municipality regions in NJ.

Between them the metrics reach from 2019-12-31 to 2026-09-30; each one covers its own window, given in the table.

## Metrics

| Metric | Start | Latest | Change | Annualised | Rank | Window |
| --- | ---: | ---: | ---: | ---: | ---: | --- |
| People per household | 2.71 ± 0.08 | 2.57 ± 0.11 | -5.2% ± 4.9% | — | 78th–542nd of 564 (can't be told apart from most) | 2019-12-31 → 2024-12-31 |
| Workers commuting by transit | 3.0% ± 0.9 points | 1.9% ± 1.0 points | -35.5% ± 37.5% | — | 4th–499th of 537 (can't be told apart from most) | 2019-12-31 → 2024-12-31 |
| People with a disability | 9.3% ± 1.2 points | 9.3% ± 1.6 points | +0.3% ± 22.1% | — | 31st–541st of 562 (can't be told apart from most) | 2019-12-31 → 2024-12-31 |
| Homeownership rate | 89.9% ± 2.9 points | 88.7% ± 2.1 points | -1.3% ± 3.9% | — | 77th–531st of 563 (can't be told apart from most) | 2019-12-31 → 2024-12-31 |
| Homeowner vacancy rate | 1.2% ± 0.8 points | 0.7% ± 0.6 points | -44.0% ± 59.2% | — | 1st–429th of 429 (too uncertain to place) | 2019-12-31 → 2024-12-31 |
| Students at private schools, grades 9 to 12 | 10.7% ± 5.6 points | 9.2% ± 7.1 points | -14.2% ± 79.9% | — | 2nd–500th of 502 (can't be told apart from most) | 2019-12-31 → 2024-12-31 |
| Students at private schools | 10.5% ± 3.7 points | 6.1% ± 3.5 points | -42.1% ± 39.0% | — | 58th–541st of 544 (can't be told apart from most) | 2019-12-31 → 2024-12-31 |
| Students at private schools, kindergarten to grade 8 | 10.3% ± 4.8 points | 4.3% ± 3.7 points | -58.1% ± 40.8% | — | 65th–517th of 517 (can't be told apart from most) | 2019-12-31 → 2024-12-31 |
| Homes without a complete kitchen | 3.5% ± 1.6 points | 2.4% ± 1.4 points | -32.4% ± 49.7% | — | 55th–479th of 480 (can't be told apart from most) | 2019-12-31 → 2024-12-31 |
| Homes without complete plumbing | 2.3% ± 1.3 points | 1.8% ± 1.3 points | -22.7% ± 71.3% | — | 31st–409th of 409 (can't be told apart from most) | 2019-12-31 → 2024-12-31 |
| Households of one person | 22.5% ± 3.3 points | 23.8% ± 3.9 points | +6.1% ± 23.4% | — | 7th–527th of 563 (can't be told apart from most) | 2019-12-31 → 2024-12-31 |
| Commute, minutes each way | 40.8 min ± 2.9 min | 39.8 min ± 4.9 min | -2.4% ± 13.9% | — | 10th–561st of 561 (can't be told apart from most) | 2019-12-31 → 2024-12-31 |
| Median gross rent | $1,603/mo ± $285/mo | $1,737/mo ± $198/mo | +8.4% ± 22.9% | — | 69th–517th of 522 (can't be told apart from most) | 2019-12-31 → 2024-12-31 |
| Median household income | $100,461 ± $5,715 | $132,114 ± $8,741 | +31.5% ± 11.5% | — | 8th–488th of 551 (can't be told apart from most) | 2019-12-31 → 2024-12-31 |
| Median owner-occupied home value | $286,000 ± $5,789 | $399,700 ± $15,175 | +39.8% ± 6.0% | — | 44th–416th of 554 (can't be told apart from most) | 2019-12-31 → 2024-12-31 |
| Median gross rent, one bedroom | $939/mo ± $110/mo | $1,237/mo ± $263/mo | +31.7% ± 32.0% | — | 3rd–375th of 388 (can't be told apart from most) | 2019-12-31 → 2024-12-31 |
| Median gross rent, two bedrooms | $1,535/mo ± $327/mo | $1,894/mo ± $176/mo | +23.4% ± 28.7% | — | 12th–437th of 446 (can't be told apart from most) | 2019-12-31 → 2024-12-31 |
| Median gross rent, three bedrooms | $2,011/mo ± $279/mo | $1,935/mo ± $1,459/mo | -3.8% ± 73.8% | — | 3rd–358th of 358 (can't be told apart from most) | 2019-12-31 → 2024-12-31 |
| Median year built | 1968 ± 2 | 1968 ± 2 | +0.0% ± 0.1% | — | 60th–525th of 532 (can't be told apart from most) | 2019-12-31 → 2024-12-31 |
| Households without a car | 3.2% ± 1.4 points | 2.9% ± 2.0 points | -8.1% ± 74.6% | — | 2nd–549th of 554 (can't be told apart from most) | 2019-12-31 → 2024-12-31 |
| Crowded homes | 0.8% ± 0.7 points | 0.5% (0.0% to 1.2%) | -30.8% ± 107.9% | — | 1st–441st of 445 (can't be told apart from most) | 2019-12-31 → 2024-12-31 |
| Owner costs a month, with a mortgage | $2,443/mo ± $73/mo | $2,749/mo ± $110/mo | +12.5% ± 5.6% | — | 36th–477th of 494 (can't be told apart from most) | 2019-12-31 → 2024-12-31 |
| Owner costs a month, without a mortgage | $1,139/mo ± $64/mo | $1,290/mo ± $117/mo | +13.3% ± 12.1% | — | 26th–433rd of 438 (can't be told apart from most) | 2019-12-31 → 2024-12-31 |
| Owners paying half their income or more | 13.7% ± 2.7 points | 7.8% ± 2.5 points | -42.7% ± 21.3% | — | 5th–451st of 561 (can't be told apart from most) | 2019-12-31 → 2024-12-31 |
| Total population | 26,404 ± 44 | 24,705 ± 43 | -6.4% ± 0.2% | — | 475th–551st of 564 (near the bottom) | 2019-12-31 → 2024-12-31 |
| Rental vacancy rate | 8.7% ± 8.1 points | 0.0% (0.0% to 2.4%) | -100.0% ± 27.8% | — | 64th–365th of 365 (can't be told apart from most) | 2019-12-31 → 2024-12-31 |
| Renters paying over 30% of income on housing | 60.1% ± 6.1 points | 58.5% ± 26.5 points | -2.6% ± 45.3% | — | 9th–552nd of 555 (can't be told apart from most) | 2019-12-31 → 2024-12-31 |
| Renters paying half their income or more | 20.1% ± 11.0 points | 32.9% ± 5.0 points | +63.9% ± 92.7% | — | 91st–542nd of 542 (can't be told apart from most) | 2019-12-31 → 2024-12-31 |
| Rent paid to the landlord, lower quarter | $955/mo ± $72/mo | $1,116/mo ± $138/mo | +16.9% ± 16.9% | — | 31st–495th of 509 (can't be told apart from most) | 2019-12-31 → 2024-12-31 |
| Rent paid to the landlord, upper quarter | $1,801/mo ± $191/mo | $1,945/mo ± $139/mo | +8.0% ± 13.8% | — | 170th–495th of 509 (can't be told apart from most) | 2019-12-31 → 2024-12-31 |
| Single-family detached homes | 85.9% ± 1.9 points | 85.1% ± 0.7 points | -0.9% ± 2.3% | — | 63rd–514th of 564 (can't be told apart from most) | 2019-12-31 → 2024-12-31 |
| Vacancy rate | 12.1% ± 2.0 points | 6.2% ± 2.1 points | -48.6% ± 19.7% | — | 66th–517th of 562 (can't be told apart from most) | 2019-12-31 → 2024-12-31 |
| Households with children | 31.9% ± 2.1 points | 24.8% ± 2.7 points | -22.2% ± 10.0% | — | 247th–555th of 562 (toward the bottom) | 2019-12-31 → 2024-12-31 |
| Workers working from home | 5.9% ± 1.5 points | 17.1% ± 3.0 points | +187.4% ± 90.1% | — | 51st–522nd of 557 (can't be told apart from most) | 2019-12-31 → 2024-12-31 |
| Director's Ratio (assessment to market value) | 86.7% | 54.8% | -36.8% | -8.8%/yr | 437th of 564 | 2020-12-31 → 2025-12-31 |
| Effective property tax rate | 3.3 | 2.5 | -23.8% | -5.3%/yr | 173rd of 564 | 2020-12-31 → 2025-12-31 |
| General property tax rate | 3.7 | 4.2 | +12.5% | 2.4%/yr | 193rd of 564 | 2020-12-31 → 2025-12-31 |
| Population estimate | 24,779 | 25,216 | +1.8% | 0.4%/yr | 324th of 564 | 2020-07-01 → 2025-07-01 |
| Residential units permitted | 10 | 17 | +70.0% | 11.2%/yr | 170th of 478 | 2020-12-31 → 2025-12-31 |
| Home value to household income | 3.00× ± 0.17× | 3.53× ± 0.23× | +17.7% ± 10.3% | — | 22nd–340th of 383 (can't be told apart from most) | 2019-12-31 → 2024-12-31 |
| Starter home value index | $273,005 | $368,123 | +34.8% | 6.2%/yr | 328th of 380 | 2021-09-30 → 2026-09-30 |
| Home value index, houses and condos | $377,385 | $498,466 | +32.1% | 5.7%/yr | 285th of 384 | 2021-09-30 → 2026-09-30 |

Rank 1 is the better end of the cohort as the metric defines better, not always the largest rise.

## Current values

Every metric's most recent reading, ranked against peers by value rather than by change. Metrics published as a single snapshot — the MOD-IV assessment aggregates and HUD's CHAS tables — appear only here, because a change needs two observations.

| Metric | Value | Rank | As of | Source |
| --- | ---: | ---: | --- | --- |
| People per household | 2.57 ± 0.11 | 144th–424th of 564 (can't be told apart from most) | 2024-12-31 | census_acs |
| Commutes of an hour or more | 23.9% ± 3.5 points | — | 2024-12-31 | census_acs |
| Workers driving alone | 71.0% ± 4.7 points | — | 2024-12-31 | census_acs |
| Workers commuting by transit | 1.9% ± 1.0 points | 191st–481st of 564 (toward the bottom) | 2024-12-31 | census_acs |
| Workers walking to work | 1.5% ± 1.3 points | — | 2024-12-31 | census_acs |
| People with a disability | 9.3% ± 1.6 points | 164th–498th of 564 (can't be told apart from most) | 2024-12-31 | census_acs |
| Heated with electricity | 10.8% ± 2.8 points | — | 2024-12-31 | census_acs |
| Heated with utility gas | 48.8% ± 3.4 points | — | 2024-12-31 | census_acs |
| Heated with oil | 27.1% ± 3.4 points | — | 2024-12-31 | census_acs |
| Heated another way, or not at all | 5.4% ± 2.4 points | — | 2024-12-31 | census_acs |
| Heated with propane | 8.1% ± 1.8 points | — | 2024-12-31 | census_acs |
| Homeownership rate | 88.7% ± 2.1 points | 57th–212th of 564 (toward the top) | 2024-12-31 | census_acs |
| Homeowner vacancy rate | 0.7% ± 0.6 points | 16th–547th of 563 (can't be told apart from most) | 2024-12-31 | census_acs |
| Homes, all housing units | 10,142 ± 454 | — | 2024-12-31 | census_acs |
| Students at private schools, grades 9 to 12 | 9.2% ± 7.1 points | 44th–549th of 561 (can't be told apart from most) | 2024-12-31 | census_acs |
| Students at private schools | 6.1% ± 3.5 points | 131st–558th of 563 (can't be told apart from most) | 2024-12-31 | census_acs |
| Students at private schools, kindergarten to grade 8 | 4.3% ± 3.7 points | 130th–562nd of 562 (can't be told apart from most) | 2024-12-31 | census_acs |
| Homes without a complete kitchen | 2.4% ± 1.4 points | 10th–323rd highest of 564 (toward the high end) | 2024-12-31 | census_acs |
| Homes without complete plumbing | 1.8% ± 1.3 points | 6th–321st highest of 564 (toward the high end) | 2024-12-31 | census_acs |
| Households of one person | 23.8% ± 3.9 points | 132nd–466th of 564 (can't be told apart from most) | 2024-12-31 | census_acs |
| Married-couple households | 61.8% ± 1.7 points | — | 2024-12-31 | census_acs |
| Commute, minutes each way | 39.8 min ± 4.9 min | 1st–209th highest of 562 (toward the high end) | 2024-12-31 | census_acs |
| Electricity a month, typical home billed for it | $145/mo (no margin available) | — | 2024-12-31 | census_acs |
| Gas a month, typical home billed for it | $113/mo (no margin available) | — | 2024-12-31 | census_acs |
| Median gross rent | $1,737/mo ± $198/mo | 119th–454th of 558 (can't be told apart from most) | 2024-12-31 | census_acs |
| Median household income | $132,114 ± $8,741 | 118th–263rd of 562 (toward the top) | 2024-12-31 | census_acs |
| Homeowners insurance a year, typical home with a mortgage | $1,189 (no margin available) | — | 2024-12-31 | census_acs |
| Median owner-occupied home value | $399,700 ± $15,175 | 302nd–377th of 560 (toward the bottom) | 2024-12-31 | census_acs |
| Median gross rent, one bedroom | $1,237/mo ± $263/mo | 151st–427th of 467 (can't be told apart from most) | 2024-12-31 | census_acs |
| Median gross rent, two bedrooms | $1,894/mo ± $176/mo | 96th–382nd of 522 (can't be told apart from most) | 2024-12-31 | census_acs |
| Median gross rent, three bedrooms | $1,935/mo ± $1,459/mo | 2nd–509th of 509 (can't be told apart from most) | 2024-12-31 | census_acs |
| Median gross rent, four or more bedrooms | $2,167/mo ± $183/mo | 71st–248th of 284 (can't be told apart from most) | 2020-12-31 | census_acs |
| Median year built | 1968 ± 2 | 204th–340th of 548 (near the middle) | 2024-12-31 | census_acs |
| Households without a car | 2.9% ± 2.0 points | 169th–554th of 564 (can't be told apart from most) | 2024-12-31 | census_acs |
| Crowded homes | 0.5% (0.0% to 1.2%) | 1st–423rd lowest of 564 (can't be told apart from most) | 2024-12-31 | census_acs |
| Owner costs a month, with a mortgage | $2,749/mo ± $110/mo | 195th–344th of 539 (near the middle) | 2024-12-31 | census_acs |
| Owner costs a month, without a mortgage | $1,290/mo ± $117/mo | 61st–310th of 511 (toward the top) | 2024-12-31 | census_acs |
| Owners paying half their income or more | 7.8% ± 2.5 points | 12th–390th lowest of 563 (can't be told apart from most) | 2024-12-31 | census_acs |
| Total population | 24,705 ± 43 | 108th of 564 | 2024-12-31 | census_acs |
| Rental vacancy rate | 0.0% (0.0% to 2.4%) | 89th–563rd of 563 (can't be told apart from most) | 2024-12-31 | census_acs |
| Renters paying over 30% of income on housing | 58.5% ± 26.5 points | 1st–546th highest of 563 (can't be told apart from most) | 2024-12-31 | census_acs |
| Renters paying half their income or more | 32.9% ± 5.0 points | 11th–368th highest of 563 (toward the high end) | 2024-12-31 | census_acs |
| Renters paying utilities on top of rent | 80.1% (no margin available) | — | 2024-12-31 | census_acs |
| Rent paid to the landlord, lower quarter | $1,116/mo ± $138/mo | 182nd–468th of 557 (can't be told apart from most) | 2024-12-31 | census_acs |
| Rent paid to the landlord, upper quarter | $1,945/mo ± $139/mo | 155th–417th of 556 (can't be told apart from most) | 2024-12-31 | census_acs |
| Studios and one-bedroom homes | 10.2% ± 2.9 points | — | 2024-12-31 | census_acs |
| Homes in buildings of 20 or more | 6.1% ± 2.6 points | — | 2024-12-31 | census_acs |
| Homes in buildings of two to four | 2.6% ± 1.3 points | — | 2024-12-31 | census_acs |
| Two-bedroom homes | 25.7% ± 3.6 points | — | 2024-12-31 | census_acs |
| Three-bedroom homes | 42.7% ± 3.3 points | — | 2024-12-31 | census_acs |
| Four or more bedrooms | 21.5% ± 3.4 points | — | 2024-12-31 | census_acs |
| Homes in buildings of five to 19 | 0.9% ± 0.7 points | — | 2024-12-31 | census_acs |
| Townhouses and other attached homes | 5.3% ± 1.8 points | — | 2024-12-31 | census_acs |
| Built 1940 to 1979 | 54.6% ± 5.2 points | — | 2024-12-31 | census_acs |
| Built 1980 to 1999 | 26.3% ± 4.5 points | — | 2024-12-31 | census_acs |
| Built in 2000 or later | 8.9% ± 2.7 points | — | 2024-12-31 | census_acs |
| Built before 1940 | 10.2% ± 3.3 points | — | 2024-12-31 | census_acs |
| Single-family detached homes | 85.1% ± 0.7 points | 96th–180th of 564 (near the top) | 2024-12-31 | census_acs |
| Mobile homes | 0.1% (0.0% to 0.2%) | — | 2024-12-31 | census_acs |
| Vacancy rate | 6.2% ± 2.1 points | 80th–387th of 564 (can't be told apart from most) | 2024-12-31 | census_acs |
| Empty for other reasons | 61.0% ± 18.1 points | — | 2024-12-31 | census_acs |
| Empty homes kept for seasonal use | 29.6% ± 12.6 points | — | 2024-12-31 | census_acs |
| Households with children | 24.8% ± 2.7 points | 278th–506th of 564 (toward the bottom) | 2024-12-31 | census_acs |
| Workers working from home | 17.1% ± 3.0 points | 132nd–385th of 564 (can't be told apart from most) | 2024-12-31 | census_acs |
| Owners paying over 30% of income, HUD CHAS | 25.7% ± 3.8 points | 37th–510th lowest of 563 (can't be told apart from most) | 2022-12-31 | hud_chas |
| Renters paying over 30% of income, HUD CHAS | 49.0% ± 13.8 points | 5th–507th highest of 562 (can't be told apart from most) | 2022-12-31 | hud_chas |
| Renters paying over 50% of income, HUD CHAS | 20.4% ± 9.0 points | 26th–530th lowest of 562 (can't be told apart from most) | 2022-12-31 | hud_chas |
| Flood insurance claims paid | 1 | — | 2023-12-31 | fema_nfip_claims |
| Flood insurance paid | $6,059 | — | 2023-12-31 | fema_nfip_claims |
| Homes in FEMA's 1% flood zone (count) | 628 | — | 2026-12-31 | fema_nfhl |
| Homes in FEMA's 1% flood zone | 5.9% | 249th highest of 518 | 2026-12-31 | fema_nfhl |
| Homes in FEMA's 0.2% flood zone | 3.9% | 126th highest of 518 | 2026-12-31 | fema_nfhl |
| Homes FEMA's flood map determines | 100.0% | — | 2026-12-31 | fema_nfhl |
| Conventional loans, home purchases | 80.9% | — | 2025-12-31 | ffiec_hmda |
| Denials for credit history | 14.3% | — | 2024-12-31 | ffiec_hmda |
| Denials for debt-to-income | 33.3% | — | 2024-12-31 | ffiec_hmda |
| Home-purchase applications denied | 6.1% | — | 2025-12-31 | ffiec_hmda |
| Denials for the home's value | 19.0% | — | 2024-12-31 | ffiec_hmda |
| FHA loans, home purchases | 13.3% | — | 2025-12-31 | ffiec_hmda |
| Median borrower income, home purchases | $138,000 | — | 2025-12-31 | ffiec_hmda |
| Median mortgage, home purchases | $395,000 | — | 2025-12-31 | ffiec_hmda |
| Median loan costs, home purchases | $7,926 | — | 2025-12-31 | ffiec_hmda |
| Median loan-to-value, home purchases | 85.0% | — | 2025-12-31 | ffiec_hmda |
| Median mortgage rate, home purchases | 6.6% | — | 2025-12-31 | ffiec_hmda |
| Home-purchase mortgages made | 278 | — | 2025-12-31 | ffiec_hmda |
| VA loans, home purchases | 5.8% | — | 2025-12-31 | ffiec_hmda |
| Jobs held by residents | 14,147 | — | 2023-12-31 | census_lodes |
| Residents' jobs in their home county | 23.0% | — | 2023-12-31 | census_lodes |
| Residents' jobs in New York City | 7.2% | — | 2023-12-31 | census_lodes |
| Residents' jobs elsewhere in New Jersey | 63.2% | — | 2023-12-31 | census_lodes |
| Residents' jobs in other states | 6.1% | — | 2023-12-31 | census_lodes |
| Residents' jobs in Pennsylvania | 0.5% | — | 2023-12-31 | census_lodes |
| Residents' jobs in their own town | 9.3% | — | 2023-12-31 | census_lodes |
| Median assessed value, residential parcels | $230,200 | 376th of 563 | 2024-12-31 | nj_modiv |
| Median residential lot size | 0.36 ac | 174th of 561 | 2024-12-31 | nj_modiv |
| Annual property tax bill, typical home | $9,606 | 243rd of 563 | 2024-12-31 | nj_modiv |
| Median year built, residential parcels | 1962 | 265th of 562 | 2024-12-31 | nj_modiv |
| Apartment share of residential parcels | 0.0% | 463rd of 564 | 2024-12-31 | nj_modiv |
| Residential parcels | 9,807 | 65th of 564 | 2024-12-31 | nj_modiv |
| Vacant land share of parcels | 8.1% | 97th of 564 | 2024-12-31 | nj_modiv |
| DCA fourth-round present need, non-binding | 105 | — | 2024-10-18 | nj_affordable |
| DCA fourth-round prospective need, capped and non-binding | 197 | — | 2024-10-18 | nj_affordable |
| Reported affordable housing trust fund balance | $171,590 | — | 2026-07-01 | nj_affordable |
| Home heating-oil tank cleanups | 1 | — | 2026-12-31 | njdep_kcsl |
| Contaminated sites, cleanup open | 23 | — | 2026-12-31 | njdep_kcsl |
| Contaminated sites, cleaned up with controls | 6 | — | 2026-12-31 | njdep_kcsl |
| Director's Ratio (assessment to market value) | 54.8% | 466th of 564 | 2025-12-31 | nj_tax_rates |
| Effective property tax rate | 2.5 | 125th highest of 564 | 2025-12-31 | nj_tax_rates |
| General property tax rate | 4.2 | 88th of 564 | 2025-12-31 | nj_tax_rates |
| Net homes added | 14 | — | 2025-12-31 | nj_construction |
| Net homes added per 1,000 homes | 0.9 per 1,000 homes ± 0.0 per 1,000 homes | 203rd–216th of 557 (near the middle) | 2024-12-31 | hip_derived |
| Homes completed | 14 | — | 2025-12-31 | nj_construction |
| Homes completed, one- and two-family | 14 | — | 2025-12-31 | nj_construction |
| Homes completed, mixed-use | 0 | — | 2025-12-31 | nj_construction |
| Homes completed, multifamily | 0 | — | 2025-12-31 | nj_construction |
| Homes demolished | 0 | — | 2025-12-31 | nj_construction |
| Population estimate | 25,216 | 109th of 564 | 2025-07-01 | census_pep |
| Residential units permitted | 17 | 259th of 563 | 2025-12-31 | census_permits |
| Home value to household income | 3.53× ± 0.23× | 16th–131st lowest of 388 (toward the low end) | 2024-12-31 | hip_derived |
| Sale price to household income | 2.98× ± 0.20× | 31st–199th lowest of 536 (toward the low end) | 2024-12-31 | hip_derived |
| Sale price per square foot | $284 | 318th of 538 | 2026-06-30 | nj_sr1a |
| Typical sale price, recent transactions | $437,500 | 364th of 540 | 2026-06-30 | nj_sr1a |
| Median sale price, last twelve months | $442,500 | — | 2026-06-30 | nj_sr1a |
| Assessed value to sale price | 48.3% | — | 2026-06-30 | nj_sr1a |
| Median year built, homes sold | 1964 | — | 2026-06-30 | nj_sr1a |
| Sale price, lower quarter | $335,000 | — | 2026-06-30 | nj_sr1a |
| Sale price, upper quarter | $575,000 | — | 2026-06-30 | nj_sr1a |
| Usable home sales, three years | 808 | — | 2026-06-30 | nj_sr1a |
| Homes sold a year per 1,000 | 33.0 per 1,000 homes | 66th of 540 | 2026-06-30 | hip_derived |
| Homes near any transit stop | 9.6% | — | 2026-12-31 | bts_ntm |
| Homes within a quarter mile of a bus stop | 9.6% | — | 2026-12-31 | bts_ntm |
| Homes within half a mile of a rail stop | 0.0% | — | 2026-12-31 | bts_ntm |
| Homes on public water | 17.9% | — | 2026-12-31 | njdep_water_areas |
| Homes on a system with a recent health-based violation | 0.3% | — | 2026-12-31 | epa_sdwis |
| Starter home value index | $368,123 | 263rd of 383 | 2026-09-30 | zillow_zhvi_bottom |
| Home value index, houses and condos | $498,466 | 258th of 388 | 2026-09-30 | zillow_zhvi |
| Observed rent index, all homes | $2,638/mo | 108th of 238 | 2026-07-31 | zillow_zori |

## Margins of error

± is a survey figure's 90% margin of error, as the publisher reports it or as its inputs imply: a change's margin is in the change's own terms, and a share's in percentage points. A rank given as a range is where those margins let this region fall — the survey cannot place it more precisely. "no margin available" means the publisher reports none for that figure, which is still an estimate; "no sampling error" means the figure is fixed to another estimate rather than drawn from the sample. A survey figure's annualised change is not shown, because no margin is computed for it.

## Relationships between figures

The connections between figures this report supports. Any other link between two measures is not in the data, and no cause is but a ratio's own arithmetic.

- **Median gross rent** changed +8.4% ± 22.9% and **Median household income** +31.5% ± 11.5% over 2019 to 2024: the two cannot be told apart within their margins. A comparison, not a cause.
- **Median owner-occupied home value** changed +39.8% ± 6.0% and **Median household income** +31.5% ± 11.5% over 2019 to 2024: the two cannot be told apart within their margins. A comparison, not a cause.
- **Home value to household income** moved from 3.00× to 3.53× (2019 to 2024): over the same years the yearly average of Home value index, houses and condos changed +54.8% ($301,611 to $466,875) and Median household income +31.5% ± 11.5% ($100,461 to $132,114). The ratio moved because its two sides did — arithmetic, and the one cause this report states.

## Caveats

- ACS 5-year vintages overlap by four years, so consecutive estimates are not independent measurements and short windows understate the real separation.
- Affordability ratios are computed by this platform from two published series, not published by either source. The monthly value or rent series is averaged over the survey year to match the annual income denominator.
- This site's sale-price ratio divides the median 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.
- Zillow's rent index begins in 2015 and covers far fewer places than its home-value index, so any rent figure rests on a thinner base — and ranks against a smaller cohort — than a value figure.
- Permit counts are small numbers below county level, so a large percentage change can rest on a handful of units and mean little.
- Sale prices describe the one- to four-family homes that sold, not every home: a median 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.
- The sales ratio is a home's assessed value 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.
- CHAS figures are HUD's tabulation of ACS 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.
- The property tax bill is the median total tax across one- to four-family homes in MOD-IV, 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.
- Some values here were matched to this place by name and county rather than by FIPS code. That is a weaker claim than an exact identifier match, and Zillow publishes no FIPS below county level.
- 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.

## Sources

| Source | Publisher | Vintage | Retrieved | Releases | Licence |
| --- | --- | --- | --- | ---: | --- |
| National Transit Map — stops | Bureau of Transportation Statistics | current | 2026-10-06 | 1 | Public domain (U.S. Government work) |
| American Community Survey, 5-year estimates | U.S. Census Bureau | 2019 | 2026-09-26 | 9 | Public domain (U.S. Government work) |
| American Community Survey, 5-year estimates | U.S. Census Bureau | 2020 | 2026-10-01 | 1 | Public domain (U.S. Government work) |
| American Community Survey, 5-year estimates | U.S. Census Bureau | 2024 | 2026-09-26 | 11 | Public domain (U.S. Government work) |
| LEHD Origin-Destination Employment Statistics (LODES 8) | U.S. Census Bureau | 2023 | 2026-10-06 | 1 | Public domain (U.S. Government work) |
| Population Estimates Program, Vintage 2025 | U.S. Census Bureau | 2025 | 2026-09-19 | 1 | Public domain (U.S. Government work) |
| Building Permits Survey | U.S. Census Bureau | 2020 | 2026-09-11 | 1 | Public domain (U.S. Government work) |
| Building Permits Survey | U.S. Census Bureau | 2025 | 2026-09-23 | 1 | Public domain (U.S. Government work) |
| Safe Drinking Water Information System — violations | U.S. Environmental Protection Agency | current | 2026-10-03 | 1 | Public domain (U.S. Government work) |
| National Flood Hazard Layer — flood hazard zones | Federal Emergency Management Agency | current | 2026-10-03 | 1 | Public domain (U.S. Government work) |
| NFIP Redacted Claims (v3) | Federal Emergency Management Agency (OpenFEMA) | current | 2026-10-03 | 1 | OpenFEMA Terms and Conditions |
| Home Mortgage Disclosure Act data (HMDA) | Consumer Financial Protection Bureau (FFIEC) | 2024 | 2026-10-07 | 1 | Public domain (U.S. Government work) |
| Home Mortgage Disclosure Act data (HMDA) | Consumer Financial Protection Bureau (FFIEC) | 2025 | 2026-10-07 | 1 | Public domain (U.S. Government work) |
| Computed by the platform | Housing Intelligence Platform | b8440bf3c940acf7 | 2026-10-22 | 1 | Derived from cited sources |
| Comprehensive Housing Affordability Strategy (CHAS) | U.S. Department of Housing and Urban Development | 2018-2022 | 2026-09-11 | 1 | Public domain (U.S. Government work) |
| Affordable housing calculations and municipal status reports | NJ Department of Community Affairs | current | 2026-10-04 | 2 | Open public record |
| Construction Reporter — housing units certified and demolished | New Jersey Department of Community Affairs | 2025-ytd | 2026-10-02 | 2 | Open public record |
| Known Contaminated Sites List | New Jersey Department of Environmental Protection | current | 2026-10-16 | 1 | NJDEP Data Distribution Agreement |
| Public Community Water Purveyor Service Areas | New Jersey Department of Environmental Protection | current | 2026-10-03 | 1 | NJDEP Data Distribution Agreement |
| MOD-IV property tax assessment records (NJ Division of Taxation) | NJ Office of Information Technology, Office of GIS (NJOGIS) | current | 2026-10-02 | 1 | Open public record |
| SR1A sales file | New Jersey Division of Taxation | 2026ytd | 2026-09-20 | 1 | Open public record |
| General and effective tax rates, and the Director's Ratio | New Jersey Division of Taxation | 2025 | 2026-09-20 | 3 | Open public record |
| Zillow Home Value Index | Zillow Research | current | 2026-10-19 | 1 | Free for non-commercial use with attribution |
| Zillow Home Value Index, bottom tier | Zillow Research | current | 2026-10-22 | 1 | Free for non-commercial use with attribution |
| Zillow Observed Rent Index | Zillow Research | current | 2026-09-06 | 1 | Free for non-commercial use with attribution |

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Generated from analysis packet `1.7` for region `307` (GEOID `3403179460`). Every figure is read from the housing warehouse and produced by the sources above, subject to the caveats. Nothing in this report is model-generated.

## Terms and notices

Not for commercial use: Home value index, houses and condos, Home value to household income, Observed rent index, all homes, Starter home value index come from, or are calculated from, data licensed for non-commercial use with attribution.

Data Provided by Zillow Group.

Source: Consumer Financial Protection Bureau, Home Mortgage Disclosure Act data, https://ffiec.cfpb.gov/

This (map/publication/report) was developed using New Jersey Department of Environmental Protection Geographic Information System digital data, but this secondary product has not been verified by NJDEP and is not state-authorized or endorsed.

This product uses the Census Bureau Data API but is not endorsed or certified by the Census Bureau.

This product uses the Federal Emergency Management Agency's OpenFEMA API, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data.

This product uses the HUD User Data API but is not endorsed or certified by HUD User.

U.S. Census Bureau, LEHD Origin-Destination Employment Statistics, version 8, https://lehd.ces.census.gov/data/lodes