# Bernards, NJ — housing report

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

Between them the metrics reach from 2019-12-31 to 2025-12-31; each one covers its own window, given in the table.

## Metrics

| Metric | Start | Latest | Change | Annualised | Rank | Window |
| --- | ---: | ---: | ---: | ---: | ---: | --- |
| People per household | 2.70 ± 0.08 | 2.62 ± 0.09 | -3.0% ± 4.4% | — | 51st–535th of 564 (can't be told apart from most) | 2019-12-31 → 2024-12-31 |
| Workers commuting by transit | 7.1% ± 1.6 points | 4.6% ± 1.5 points | -35.3% ± 25.9% | — | 9th–476th of 537 (can't be told apart from most) | 2019-12-31 → 2024-12-31 |
| People with a disability | 6.0% ± 1.0 points | 7.2% ± 1.4 points | +20.8% ± 30.6% | — | 3rd–475th of 562 (can't be told apart from most) | 2019-12-31 → 2024-12-31 |
| Homeownership rate | 82.4% ± 2.3 points | 83.1% ± 2.8 points | +0.8% ± 4.3% | — | 42nd–516th of 563 (can't be told apart from most) | 2019-12-31 → 2024-12-31 |
| Homeowner vacancy rate | 1.5% (0.0% to 3.3%) | 0.0% (0.0% to 0.3%) | -100.0% ± 20.5% | — | 18th–429th of 429 (can't be told apart from most) | 2019-12-31 → 2024-12-31 |
| Students at private schools, grades 9 to 12 | 18.1% ± 6.7 points | 13.2% ± 7.8 points | -27.0% ± 51.0% | — | 8th–484th of 502 (can't be told apart from most) | 2019-12-31 → 2024-12-31 |
| Students at private schools | 13.5% ± 3.5 points | 11.1% ± 3.8 points | -18.0% ± 35.4% | — | 24th–523rd of 544 (can't be told apart from most) | 2019-12-31 → 2024-12-31 |
| Students at private schools, kindergarten to grade 8 | 9.8% ± 3.2 points | 9.7% ± 3.6 points | -0.9% ± 48.7% | — | 7th–480th of 517 (can't be told apart from most) | 2019-12-31 → 2024-12-31 |
| Homes without a complete kitchen | 0.8% ± 0.6 points | 0.5% (0.0% to 1.2%) | -35.1% ± 96.9% | — | 1st–479th of 480 (can't be told apart from most) | 2019-12-31 → 2024-12-31 |
| Homes without complete plumbing | 0.8% ± 0.6 points | 0.2% (0.0% to 0.5%) | -71.4% ± 37.1% | — | 1st–404th of 409 (can't be told apart from most) | 2019-12-31 → 2024-12-31 |
| Households of one person | 24.2% ± 3.1 points | 26.3% ± 3.6 points | +8.7% ± 20.3% | — | 6th–504th of 563 (can't be told apart from most) | 2019-12-31 → 2024-12-31 |
| Commute, minutes each way | 34.3 min ± 2.7 min | 32.5 min ± 3.8 min | -5.1% ± 13.5% | — | 8th–561st of 561 (can't be told apart from most) | 2019-12-31 → 2024-12-31 |
| Median gross rent | $1,938/mo ± $196/mo | $2,476/mo ± $212/mo | +27.8% ± 16.9% | — | 13th–482nd of 522 (can't be told apart from most) | 2019-12-31 → 2024-12-31 |
| Median household income | $151,871 ± $6,713 | $194,107 ± $16,793 | +27.8% ± 12.4% | — | 14th–515th of 551 (can't be told apart from most) | 2019-12-31 → 2024-12-31 |
| Median owner-occupied home value | $673,000 ± $26,848 | $814,800 ± $33,665 | +21.1% ± 7.0% | — | 303rd–544th of 554 (toward the bottom) | 2019-12-31 → 2024-12-31 |
| Median gross rent, two bedrooms | $2,148/mo ± $197/mo | $2,522/mo ± $195/mo | +17.4% ± 14.1% | — | 51st–433rd of 446 (can't be told apart from most) | 2019-12-31 → 2024-12-31 |
| Median gross rent, three bedrooms | $2,813/mo ± $1,001/mo | $3,388/mo ± $251/mo | +20.4% ± 43.8% | — | 4th–350th of 358 (can't be told apart from most) | 2019-12-31 → 2024-12-31 |
| Median year built | 1985 ± 1 | 1987 ± 1 | +0.1% ± 0.1% | — | 30th–489th of 532 (can't be told apart from most) | 2019-12-31 → 2024-12-31 |
| Households without a car | 4.8% ± 1.8 points | 2.7% ± 0.9 points | -42.6% ± 28.9% | — | 65th–548th of 554 (can't be told apart from most) | 2019-12-31 → 2024-12-31 |
| Crowded homes | 0.3% (0.0% to 0.9%) | 1.2% ± 0.9 points | +296.1% ± 800.5% | — | 1st–445th of 445 (too uncertain to place) | 2019-12-31 → 2024-12-31 |
| Owners paying half their income or more | 9.6% ± 2.4 points | 6.7% ± 1.9 points | -30.2% ± 26.4% | — | 11th–530th of 561 (can't be told apart from most) | 2019-12-31 → 2024-12-31 |
| Total population | 27,082 ± 56 | 28,114 ± 38 | +3.8% ± 0.3% | — | 211th–338th of 564 (near the middle) | 2019-12-31 → 2024-12-31 |
| Rental vacancy rate | 2.8% (0.0% to 6.2%) | 1.4% (0.0% to 2.9%) | -50.0% ± 81.1% | — | 3rd–365th of 365 (can't be told apart from most) | 2019-12-31 → 2024-12-31 |
| Renters paying over 30% of income on housing | 36.2% ± 10.4 points | 43.5% ± 11.8 points | +20.1% ± 47.3% | — | 26th–555th of 555 (can't be told apart from most) | 2019-12-31 → 2024-12-31 |
| Renters paying half their income or more | 19.8% ± 8.8 points | 18.7% ± 6.5 points | -6.0% ± 53.0% | — | 30th–536th of 542 (can't be told apart from most) | 2019-12-31 → 2024-12-31 |
| Rent paid to the landlord, lower quarter | $632/mo ± $525/mo | $1,272/mo ± $1,076/mo | +101.3% ± 238.6% | — | 1st–509th of 509 (too uncertain to place) | 2019-12-31 → 2024-12-31 |
| Rent paid to the landlord, upper quarter | $2,396/mo ± $227/mo | $2,916/mo ± $262/mo | +21.7% ± 15.9% | — | 36th–479th of 509 (can't be told apart from most) | 2019-12-31 → 2024-12-31 |
| Single-family detached homes | 56.1% ± 2.1 points | 54.6% ± 2.6 points | -2.8% ± 5.8% | — | 61st–545th of 564 (can't be told apart from most) | 2019-12-31 → 2024-12-31 |
| Vacancy rate | 4.1% ± 2.0 points | 1.9% ± 1.0 points | -53.2% ± 33.4% | — | 50th–539th of 562 (can't be told apart from most) | 2019-12-31 → 2024-12-31 |
| Households with children | 38.0% ± 2.1 points | 38.6% ± 2.4 points | +1.6% ± 8.5% | — | 25th–443rd of 562 (can't be told apart from most) | 2019-12-31 → 2024-12-31 |
| Workers working from home | 8.9% ± 1.8 points | 28.5% ± 3.4 points | +222.6% ± 75.9% | — | 36th–485th of 557 (can't be told apart from most) | 2019-12-31 → 2024-12-31 |
| Director's Ratio (assessment to market value) | 93.5% | 95.1% | +1.7% | 0.3%/yr | 76th of 564 | 2020-12-31 → 2025-12-31 |
| Effective property tax rate | 2 | 1.7 | -15.4% | -3.3%/yr | 379th of 564 | 2020-12-31 → 2025-12-31 |
| General property tax rate | 2.1 | 1.7 | -19.4% | -4.2%/yr | 454th of 564 | 2020-12-31 → 2025-12-31 |
| Population estimate | 27,768 | 28,594 | +3.0% | 0.6%/yr | 194th of 564 | 2020-07-01 → 2025-07-01 |
| Residential units permitted | 204 | 1 | -99.5% | -65.5%/yr | 450th of 478 | 2020-12-31 → 2025-12-31 |

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 | 2.62 ± 0.09 | 120th–393rd of 564 (can't be told apart from most) | 2024-12-31 | census_acs |
| Commutes of an hour or more | 14.3% ± 3.1 points | — | 2024-12-31 | census_acs |
| Workers driving alone | 61.6% ± 4.2 points | — | 2024-12-31 | census_acs |
| Workers commuting by transit | 4.6% ± 1.5 points | 105th–308th of 564 (toward the top) | 2024-12-31 | census_acs |
| Workers walking to work | 0.4% ± 0.4 points | — | 2024-12-31 | census_acs |
| People with a disability | 7.2% ± 1.4 points | 296th–553rd of 564 (toward the bottom) | 2024-12-31 | census_acs |
| Heated with electricity | 12.8% ± 2.4 points | — | 2024-12-31 | census_acs |
| Heated with utility gas | 84.3% ± 2.5 points | — | 2024-12-31 | census_acs |
| Heated with oil | 1.8% ± 0.7 points | — | 2024-12-31 | census_acs |
| Heated another way, or not at all | 0.2% (0.0% to 0.7%) | — | 2024-12-31 | census_acs |
| Heated with propane | 0.9% ± 0.6 points | — | 2024-12-31 | census_acs |
| Homeownership rate | 83.1% ± 2.8 points | 135th–295th of 564 (toward the top) | 2024-12-31 | census_acs |
| Homeowner vacancy rate | 0.0% (0.0% to 0.3%) | 64th–563rd of 563 (can't be told apart from most) | 2024-12-31 | census_acs |
| Homes, all housing units | 10,646 ± 355 | — | 2024-12-31 | census_acs |
| Students at private schools, grades 9 to 12 | 13.2% ± 7.8 points | 20th–481st of 561 (can't be told apart from most) | 2024-12-31 | census_acs |
| Students at private schools | 11.1% ± 3.8 points | 44th–474th of 563 (can't be told apart from most) | 2024-12-31 | census_acs |
| Students at private schools, kindergarten to grade 8 | 9.7% ± 3.6 points | 42nd–493rd of 562 (can't be told apart from most) | 2024-12-31 | census_acs |
| Homes without a complete kitchen | 0.5% (0.0% to 1.2%) | 1st–492nd lowest of 564 (can't be told apart from most) | 2024-12-31 | census_acs |
| Homes without complete plumbing | 0.2% (0.0% to 0.5%) | 1st–515th lowest of 564 (can't be told apart from most) | 2024-12-31 | census_acs |
| Households of one person | 26.3% ± 3.6 points | 87th–408th of 564 (can't be told apart from most) | 2024-12-31 | census_acs |
| Married-couple households | 63.9% ± 2.2 points | — | 2024-12-31 | census_acs |
| Commute, minutes each way | 32.5 min ± 3.8 min | 17th–439th highest of 562 (can't be told apart from most) | 2024-12-31 | census_acs |
| Electricity a month, typical home billed for it | $136/mo (no margin available) | — | 2024-12-31 | census_acs |
| Gas a month, typical home billed for it | $87/mo (no margin available) | — | 2024-12-31 | census_acs |
| Median gross rent | $2,476/mo ± $212/mo | 16th–128th of 558 (near the top) | 2024-12-31 | census_acs |
| Median household income | $194,107 ± $16,793 | 20th–95th of 562 (near the top) | 2024-12-31 | census_acs |
| Homeowners insurance a year, typical home with a mortgage | $1,343 (no margin available) | — | 2024-12-31 | census_acs |
| Median owner-occupied home value | $814,800 ± $33,665 | 60th–93rd of 560 (near the top) | 2024-12-31 | census_acs |
| Median gross rent, one bedroom | $639/mo ± $203/mo | 385th–464th of 467 (near the bottom) | 2023-12-31 | census_acs |
| Median gross rent, two bedrooms | $2,522/mo ± $195/mo | 12th–131st of 522 (near the top) | 2024-12-31 | census_acs |
| Median gross rent, three bedrooms | $3,388/mo ± $251/mo | 1st–98th of 509 (near the top) | 2024-12-31 | census_acs |
| Median gross rent, four or more bedrooms | $2,250/mo ± $1,784/mo | 1st–284th of 284 (too uncertain to place) | 2022-12-31 | census_acs |
| Water and sewer a year, typical home billed for it | $732 (no margin available) | — | 2024-12-31 | census_acs |
| Median year built | 1987 ± 1 | 25th–77th of 548 (near the top) | 2024-12-31 | census_acs |
| Households without a car | 2.7% ± 0.9 points | 195th–537th of 564 (toward the bottom) | 2024-12-31 | census_acs |
| Crowded homes | 1.2% ± 0.9 points | 4th–467th lowest of 564 (can't be told apart from most) | 2024-12-31 | census_acs |
| Owner costs a month, with a mortgage | $3,857/mo ± $144/mo | 1st–95th of 539 (near the top) | 2021-12-31 | census_acs |
| Owners paying half their income or more | 6.7% ± 1.9 points | 8th–313th lowest of 563 (toward the low end) | 2024-12-31 | census_acs |
| Total population | 28,114 ± 38 | 90th of 564 | 2024-12-31 | census_acs |
| Rental vacancy rate | 1.4% (0.0% to 2.9%) | 66th–563rd of 563 (can't be told apart from most) | 2024-12-31 | census_acs |
| Renters paying over 30% of income on housing | 43.5% ± 11.8 points | 11th–496th lowest of 563 (can't be told apart from most) | 2024-12-31 | census_acs |
| Renters paying half their income or more | 18.7% ± 6.5 points | 28th–429th lowest of 563 (can't be told apart from most) | 2024-12-31 | census_acs |
| Renters paying utilities on top of rent | 87.0% (no margin available) | — | 2024-12-31 | census_acs |
| Rent paid to the landlord, lower quarter | $1,272/mo ± $1,076/mo | 10th–556th of 557 (can't be told apart from most) | 2024-12-31 | census_acs |
| Rent paid to the landlord, upper quarter | $2,916/mo ± $262/mo | 13th–126th of 556 (near the top) | 2024-12-31 | census_acs |
| Studios and one-bedroom homes | 12.3% ± 2.9 points | — | 2024-12-31 | census_acs |
| Homes in buildings of 20 or more | 4.3% ± 1.8 points | — | 2024-12-31 | census_acs |
| Homes in buildings of two to four | 7.6% ± 2.0 points | — | 2024-12-31 | census_acs |
| Two-bedroom homes | 23.6% ± 2.6 points | — | 2024-12-31 | census_acs |
| Three-bedroom homes | 21.9% ± 3.3 points | — | 2024-12-31 | census_acs |
| Four or more bedrooms | 42.3% ± 3.5 points | — | 2024-12-31 | census_acs |
| Homes in buildings of five to 19 | 11.2% ± 2.7 points | — | 2024-12-31 | census_acs |
| Townhouses and other attached homes | 22.4% ± 2.7 points | — | 2024-12-31 | census_acs |
| Built 1940 to 1979 | 25.1% ± 3.1 points | — | 2024-12-31 | census_acs |
| Built 1980 to 1999 | 54.0% ± 4.0 points | — | 2024-12-31 | census_acs |
| Built in 2000 or later | 16.3% ± 2.5 points | — | 2024-12-31 | census_acs |
| Built before 1940 | 4.6% ± 1.2 points | — | 2024-12-31 | census_acs |
| Single-family detached homes | 54.6% ± 2.6 points | 360th–441st of 564 (toward the bottom) | 2024-12-31 | census_acs |
| Mobile homes | 0.0% (0.0% to 0.2%) | — | 2024-12-31 | census_acs |
| Vacancy rate | 1.9% ± 1.0 points | 236th–544th of 564 (toward the bottom) | 2024-12-31 | census_acs |
| Empty for other reasons | 71.4% ± 27.8 points | — | 2024-12-31 | census_acs |
| Empty homes kept for seasonal use | 16.3% ± 16.1 points | — | 2024-12-31 | census_acs |
| Households with children | 38.6% ± 2.4 points | 36th–165th of 564 (near the top) | 2024-12-31 | census_acs |
| Workers working from home | 28.5% ± 3.4 points | 11th–147th of 564 (near the top) | 2024-12-31 | census_acs |
| Owners paying over 30% of income, HUD CHAS | 21.4% ± 3.7 points | 5th–413th lowest of 563 (can't be told apart from most) | 2022-12-31 | hud_chas |
| Renters paying over 30% of income, HUD CHAS | 37.7% ± 11.7 points | 18th–494th lowest of 562 (can't be told apart from most) | 2022-12-31 | hud_chas |
| Renters paying over 50% of income, HUD CHAS | 17.2% ± 8.0 points | 16th–484th lowest of 562 (can't be told apart from most) | 2022-12-31 | hud_chas |
| Flood insurance claims paid | 1 | — | 2024-12-31 | fema_nfip_claims |
| Flood insurance paid | $27,460 | — | 2024-12-31 | fema_nfip_claims |
| Homes in FEMA's 1% flood zone (count) | 849 | — | 2026-12-31 | fema_nfhl |
| Homes in FEMA's 1% flood zone | 8.0% | 189th highest of 518 | 2026-12-31 | fema_nfhl |
| Homes in FEMA's 0.2% flood zone | 0.8% | 221st lowest of 518 | 2026-12-31 | fema_nfhl |
| Homes FEMA's flood map determines | 100.0% | — | 2026-12-31 | fema_nfhl |
| Conventional loans, home purchases | 96.7% | — | 2025-12-31 | ffiec_hmda |
| Denials for credit history | 6.7% | — | 2022-12-31 | ffiec_hmda |
| Denials for debt-to-income | 43.3% | — | 2022-12-31 | ffiec_hmda |
| Home-purchase applications denied | 4.3% | — | 2025-12-31 | ffiec_hmda |
| Denials for the home's value | 13.3% | — | 2022-12-31 | ffiec_hmda |
| FHA loans, home purchases | 2.1% | — | 2025-12-31 | ffiec_hmda |
| Median borrower income, home purchases | $255,000 | — | 2025-12-31 | ffiec_hmda |
| Median mortgage, home purchases | $655,000 | — | 2025-12-31 | ffiec_hmda |
| Median loan costs, home purchases | $7,436 | — | 2025-12-31 | ffiec_hmda |
| Median loan-to-value, home purchases | 75.0% | — | 2025-12-31 | ffiec_hmda |
| Median mortgage rate, home purchases | 6.1% | — | 2025-12-31 | ffiec_hmda |
| Home-purchase mortgages made | 243 | — | 2025-12-31 | ffiec_hmda |
| VA loans, home purchases | 1.2% | — | 2025-12-31 | ffiec_hmda |
| Jobs held by residents | 13,299 | — | 2023-12-31 | census_lodes |
| Residents' jobs in their home county | 24.4% | — | 2023-12-31 | census_lodes |
| Residents' jobs in New York City | 7.3% | — | 2023-12-31 | census_lodes |
| Residents' jobs elsewhere in New Jersey | 63.9% | — | 2023-12-31 | census_lodes |
| Residents' jobs in other states | 2.8% | — | 2023-12-31 | census_lodes |
| Residents' jobs in Pennsylvania | 1.6% | — | 2023-12-31 | census_lodes |
| Residents' jobs in their own town | 9.9% | — | 2023-12-31 | census_lodes |
| Median assessed value, residential parcels | $795,450 | 48th of 563 | 2024-12-31 | nj_modiv |
| Median residential lot size | 0.80 ac | 88th of 561 | 2024-12-31 | nj_modiv |
| Annual property tax bill, typical home | $12,803 | 86th of 563 | 2024-12-31 | nj_modiv |
| Median year built, residential parcels | 1986 | 56th of 562 | 2024-12-31 | nj_modiv |
| Apartment share of residential parcels | 0.0% | 461st of 564 | 2024-12-31 | nj_modiv |
| Residential parcels | 9,568 | 67th of 564 | 2024-12-31 | nj_modiv |
| Vacant land share of parcels | 2.0% | 407th of 564 | 2024-12-31 | nj_modiv |
| Affordable units in projects reported completed | 344 | — | 2026-07-01 | nj_affordable |
| DCA fourth-round present need, non-binding | 24 | — | 2024-10-18 | nj_affordable |
| DCA fourth-round prospective need, capped and non-binding | 218 | — | 2024-10-18 | nj_affordable |
| Reported affordable housing trust fund balance | $2,477,371 | — | 2026-07-01 | nj_affordable |
| Home heating-oil tank cleanups | 1 | — | 2026-12-31 | njdep_kcsl |
| Contaminated sites, cleanup open | 4 | — | 2026-12-31 | njdep_kcsl |
| Contaminated sites, cleaned up with controls | 5 | — | 2026-12-31 | njdep_kcsl |
| Director's Ratio (assessment to market value) | 95.1% | 78th of 564 | 2025-12-31 | nj_tax_rates |
| Effective property tax rate | 1.7 | 124th lowest of 564 | 2025-12-31 | nj_tax_rates |
| General property tax rate | 1.7 | 492nd of 564 | 2025-12-31 | nj_tax_rates |
| Net homes added | 2 | — | 2025-12-31 | nj_construction |
| Net homes added per 1,000 homes | 0.9 per 1,000 homes ± 0.0 per 1,000 homes | 200th–211th of 557 (near the middle) | 2024-12-31 | hip_derived |
| Revaluation or reassessment | 2026 | — | 2026-12-31 | nj_revaluations |
| Homes completed | 4 | — | 2025-12-31 | nj_construction |
| Homes completed, one- and two-family | 4 | — | 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 | 2 | — | 2025-12-31 | nj_construction |
| Population estimate | 28,594 | 89th of 564 | 2025-07-01 | census_pep |
| Residential units permitted | 1 | 475th of 563 | 2025-12-31 | census_permits |
| Sale price to household income | 3.71× ± 0.32× | 120th–366th lowest of 536 (can't be told apart from most) | 2024-12-31 | hip_derived |
| Sale price per square foot | $396 | 132nd of 538 | 2026-06-30 | nj_sr1a |
| Typical sale price, recent transactions | $732,666 | 123rd of 540 | 2026-06-30 | nj_sr1a |
| Median sale price, last twelve months | $790,000 | — | 2026-06-30 | nj_sr1a |
| Assessed value to sale price | 89.7% | — | 2026-06-30 | nj_sr1a |
| Median year built, homes sold | 1987 | — | 2026-06-30 | nj_sr1a |
| Sale price, lower quarter | $465,000 | — | 2026-06-30 | nj_sr1a |
| Sale price, upper quarter | $1,230,000 | — | 2026-06-30 | nj_sr1a |
| Usable home sales, three years | 328 | — | 2026-06-30 | nj_sr1a |
| Homes sold a year per 1,000 | 13.7 per 1,000 homes | 471st of 540 | 2026-06-30 | hip_derived |
| Homes near any transit stop | 10.3% | — | 2026-12-31 | bts_ntm |
| Homes within a quarter mile of a bus stop | 6.3% | — | 2026-12-31 | bts_ntm |
| Homes within half a mile of a rail stop | 6.6% | — | 2026-12-31 | bts_ntm |
| Homes on public water | 100.0% | — | 2026-12-31 | njdep_water_areas |
| Homes on a system with a recent health-based violation | 0.0% | — | 2026-12-31 | epa_sdwis |

## 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 +27.8% ± 16.9% and **Median household income** +27.8% ± 12.4% over 2019 to 2024: the two cannot be told apart within their margins. A comparison, not a cause.
- **Median owner-occupied home value** changed +21.1% ± 7.0% and **Median household income** +27.8% ± 12.4% over 2019 to 2024: the two cannot be told apart within their margins. A comparison, not a cause.

## Caveats

- ACS 5-year vintages overlap by four years, so consecutive estimates are not independent measurements and short windows understate the real separation.
- 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.
- 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.
- The state's revaluation and reassessment lists begin with tax year 2017; a town on none of them has not revalued since at least then.
- 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 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 | 2021 | 2026-10-01 | 1 | Public domain (U.S. Government work) |
| American Community Survey, 5-year estimates | U.S. Census Bureau | 2022 | 2026-10-01 | 1 | Public domain (U.S. Government work) |
| American Community Survey, 5-year estimates | U.S. Census Bureau | 2023 | 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) | 2022 | 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 | 3 | 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 |
| Approved revaluations and reassessments | New Jersey Division of Taxation | 2026 | 2026-10-01 | 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 |

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Generated from analysis packet `1.7` for region `397` (GEOID `3403505560`). 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

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