# Scotch Plains, NJ — housing report

41 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 | 2.74 ± 0.08 | 2.88 ± 0.11 | +5.1% ± 5.1% | — | 5th–316th of 564 (toward the top) | 2019-12-31 → 2024-12-31 |
| Workers commuting by transit | 12.8% ± 2.4 points | 7.9% ± 1.9 points | -38.4% ± 18.9% | — | 12th–469th of 537 (can't be told apart from most) | 2019-12-31 → 2024-12-31 |
| People with a disability | 8.0% ± 1.4 points | 6.4% ± 1.3 points | -20.6% ± 21.4% | — | 128th–560th of 562 (can't be told apart from most) | 2019-12-31 → 2024-12-31 |
| Homeownership rate | 82.0% ± 2.3 points | 79.0% ± 3.5 points | -3.6% ± 5.1% | — | 119th–551st of 563 (can't be told apart from most) | 2019-12-31 → 2024-12-31 |
| Homeowner vacancy rate | 0.6% (0.0% to 1.3%) | 2.0% ± 1.8 points | +214.5% ± 444.4% | — | 1st–429th of 429 (too uncertain to place) | 2019-12-31 → 2024-12-31 |
| Students at private schools, grades 9 to 12 | 6.0% ± 4.4 points | 2.0% ± 1.7 points | -66.3% ± 36.9% | — | 46th–502nd of 502 (can't be told apart from most) | 2019-12-31 → 2024-12-31 |
| Students at private schools | 12.5% ± 3.9 points | 5.8% ± 2.8 points | -53.8% ± 27.0% | — | 105th–544th of 544 (can't be told apart from most) | 2019-12-31 → 2024-12-31 |
| Students at private schools, kindergarten to grade 8 | 15.4% ± 5.3 points | 7.3% ± 3.9 points | -52.3% ± 30.4% | — | 62nd–514th of 517 (can't be told apart from most) | 2019-12-31 → 2024-12-31 |
| Homes without a complete kitchen | 0.4% (0.0% to 0.8%) | 0.5% (0.0% to 1.1%) | +32.1% ± 209.4% | — | 1st–480th of 480 (too uncertain to place) | 2019-12-31 → 2024-12-31 |
| Homes without complete plumbing | 0.2% (0.0% to 0.5%) | 0.4% (0.0% to 0.9%) | +105.5% ± 431.9% | — | 1st–409th of 409 (too uncertain to place) | 2019-12-31 → 2024-12-31 |
| Households of one person | 21.2% ± 3.5 points | 17.2% ± 4.2 points | -18.9% ± 24.0% | — | 59th–560th of 563 (can't be told apart from most) | 2019-12-31 → 2024-12-31 |
| Commute, minutes each way | 38.7 min ± 3.1 min | 33.7 min ± 3.9 min | -13.0% ± 12.2% | — | 4th–540th of 561 (can't be told apart from most) | 2019-12-31 → 2024-12-31 |
| Median gross rent | $1,584/mo ± $95/mo | $2,060/mo ± $301/mo | +30.1% ± 20.5% | — | 11th–483rd of 522 (can't be told apart from most) | 2019-12-31 → 2024-12-31 |
| Median household income | $131,732 ± $7,530 | $183,655 ± $18,502 | +39.4% ± 16.1% | — | 2nd–443rd of 551 (can't be told apart from most) | 2019-12-31 → 2024-12-31 |
| Median owner-occupied home value | $497,900 ± $20,061 | $718,200 ± $32,037 | +44.2% ± 8.7% | — | 20th–370th of 554 (can't be told apart from most) | 2019-12-31 → 2024-12-31 |
| Median gross rent, one bedroom | $1,523/mo ± $106/mo | $1,878/mo ± $607/mo | +23.3% ± 40.8% | — | 3rd–383rd of 388 (can't be told apart from most) | 2019-12-31 → 2024-12-31 |
| Median gross rent, two bedrooms | $1,695/mo ± $189/mo | $2,559/mo ± $473/mo | +51.0% ± 32.6% | — | 1st–362nd of 446 (can't be told apart from most) | 2019-12-31 → 2024-12-31 |
| Median gross rent, studio | $2,068/mo ± $1,314/mo | $1,192/mo ± $803/mo | -42.4% ± 53.4% | — | 62nd–129th of 129 (toward the bottom) | 2019-12-31 → 2024-12-31 |
| Median year built | 1962 ± 3 | 1960 ± 2 | -0.1% ± 0.2% | — | 111th–529th of 532 (can't be told apart from most) | 2019-12-31 → 2024-12-31 |
| Households without a car | 4.0% ± 1.5 points | 1.4% ± 0.9 points | -65.1% ± 25.9% | — | 171st–552nd of 554 (can't be told apart from most) | 2019-12-31 → 2024-12-31 |
| Crowded homes | 0.8% (0.0% to 1.9%) | 1.4% ± 1.4 points | +71.0% ± 284.6% | — | 1st–445th of 445 (too uncertain to place) | 2019-12-31 → 2024-12-31 |
| Owner costs a month, with a mortgage | $3,233/mo ± $96/mo | $3,791/mo ± $193/mo | +17.3% ± 6.9% | — | 11th–437th of 494 (can't be told apart from most) | 2019-12-31 → 2024-12-31 |
| Owners paying half their income or more | 13.1% ± 3.2 points | 10.9% ± 3.3 points | -16.7% ± 32.2% | — | 29th–558th of 561 (can't be told apart from most) | 2019-12-31 → 2024-12-31 |
| Total population | 24,205 ± 26 | 24,843 ± 33 | +2.6% ± 0.2% | — | 263rd–388th of 564 (toward the bottom) | 2019-12-31 → 2024-12-31 |
| Rental vacancy rate | 3.0% (0.0% to 7.2%) | 3.4% (0.0% to 8.2%) | +14.8% ± 233.0% | — | 1st–365th of 365 (too uncertain to place) | 2019-12-31 → 2024-12-31 |
| Renters paying over 30% of income on housing | 49.7% ± 10.6 points | 50.5% ± 18.5 points | +1.6% ± 43.1% | — | 12th–554th of 555 (can't be told apart from most) | 2019-12-31 → 2024-12-31 |
| Renters paying half their income or more | 30.1% ± 9.0 points | 23.1% ± 8.3 points | -23.4% ± 35.9% | — | 27th–511th of 542 (can't be told apart from most) | 2019-12-31 → 2024-12-31 |
| Rent paid to the landlord, lower quarter | $1,209/mo ± $78/mo | $1,243/mo ± $368/mo | +2.8% ± 31.2% | — | 39th–504th of 509 (can't be told apart from most) | 2019-12-31 → 2024-12-31 |
| Rent paid to the landlord, upper quarter | $1,728/mo ± $94/mo | $1,990/mo ± $133/mo | +15.2% ± 9.9% | — | 129th–487th of 509 (can't be told apart from most) | 2019-12-31 → 2024-12-31 |
| Single-family detached homes | 74.5% ± 2.0 points | 75.2% ± 3.2 points | +0.9% ± 5.0% | — | 26th–507th of 564 (can't be told apart from most) | 2019-12-31 → 2024-12-31 |
| Vacancy rate | 3.6% ± 1.8 points | 3.1% ± 2.0 points | -11.9% ± 70.6% | — | 2nd–534th of 562 (can't be told apart from most) | 2019-12-31 → 2024-12-31 |
| Households with children | 35.9% ± 2.0 points | 42.8% ± 2.4 points | +19.1% ± 9.4% | — | 1st–219th of 562 (toward the top) | 2019-12-31 → 2024-12-31 |
| Workers working from home | 8.7% ± 2.1 points | 25.5% ± 3.7 points | +194.2% ± 83.6% | — | 50th–517th of 557 (can't be told apart from most) | 2019-12-31 → 2024-12-31 |
| Director's Ratio (assessment to market value) | 22.6% | 15.7% | -30.8% | -7.1%/yr | 310th of 564 | 2020-12-31 → 2025-12-31 |
| Effective property tax rate | 2.5 | 2.1 | -15.1% | -3.2%/yr | 389th of 564 | 2020-12-31 → 2025-12-31 |
| General property tax rate | 11.2 | 12.3 | +10.1% | 2.0%/yr | 264th of 564 | 2020-12-31 → 2025-12-31 |
| Population estimate | 24,838 | 25,437 | +2.4% | 0.5%/yr | 238th of 564 | 2020-07-01 → 2025-07-01 |
| Residential units permitted | 21 | 90 | +328.6% | 33.8%/yr | 69th of 478 | 2020-12-31 → 2025-12-31 |
| Home value to household income | 4.09× ± 0.23× | 4.04× ± 0.41× | -1.2% ± 11.4% | — | 5th–217th of 383 (toward the top) | 2019-12-31 → 2024-12-31 |
| Starter home value index | $426,331 | $619,005 | +45.2% | 7.7%/yr | 170th of 380 | 2021-09-30 → 2026-09-30 |
| Home value index, houses and condos | $604,647 | $834,283 | +38.0% | 6.6%/yr | 169th 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 | 2.88 ± 0.11 | 26th–213th of 564 (toward the top) | 2024-12-31 | census_acs |
| Commutes of an hour or more | 17.8% ± 2.9 points | — | 2024-12-31 | census_acs |
| Workers driving alone | 60.0% ± 4.3 points | — | 2024-12-31 | census_acs |
| Workers commuting by transit | 7.9% ± 1.9 points | 59th–198th of 564 (toward the top) | 2024-12-31 | census_acs |
| Workers walking to work | 0.8% (0.0% to 1.8%) | — | 2024-12-31 | census_acs |
| People with a disability | 6.4% ± 1.3 points | 370th–560th of 564 (toward the bottom) | 2024-12-31 | census_acs |
| Heated with electricity | 8.6% ± 4.3 points | — | 2024-12-31 | census_acs |
| Heated with utility gas | 83.6% ± 2.5 points | — | 2024-12-31 | census_acs |
| Heated with oil | 2.9% ± 1.4 points | — | 2024-12-31 | census_acs |
| Heated another way, or not at all | 4.3% ± 3.7 points | — | 2024-12-31 | census_acs |
| Heated with propane | 0.5% ± 0.5 points | — | 2024-12-31 | census_acs |
| Homeownership rate | 79.0% ± 3.5 points | 183rd–335th of 564 (toward the top) | 2024-12-31 | census_acs |
| Homeowner vacancy rate | 2.0% ± 1.8 points | 3rd–451st of 563 (can't be told apart from most) | 2024-12-31 | census_acs |
| Homes, all housing units | 8,840 ± 354 | — | 2024-12-31 | census_acs |
| Students at private schools, grades 9 to 12 | 2.0% ± 1.7 points | 212th–561st of 561 (toward the bottom) | 2024-12-31 | census_acs |
| Students at private schools | 5.8% ± 2.8 points | 147th–557th of 563 (can't be told apart from most) | 2024-12-31 | census_acs |
| Students at private schools, kindergarten to grade 8 | 7.3% ± 3.9 points | 72nd–542nd of 562 (can't be told apart from most) | 2024-12-31 | census_acs |
| Homes without a complete kitchen | 0.5% (0.0% to 1.1%) | 1st–489th lowest of 564 (can't be told apart from most) | 2024-12-31 | census_acs |
| Homes without complete plumbing | 0.4% (0.0% to 0.9%) | 1st–533rd lowest of 564 (can't be told apart from most) | 2024-12-31 | census_acs |
| Households of one person | 17.2% ± 4.2 points | 279th–544th of 564 (toward the bottom) | 2024-12-31 | census_acs |
| Married-couple households | 68.3% ± 3.5 points | — | 2024-12-31 | census_acs |
| Commute, minutes each way | 33.7 min ± 3.9 min | 9th–398th highest of 562 (can't be told apart from most) | 2024-12-31 | census_acs |
| Electricity a month, typical home billed for it | $161/mo (no margin available) | — | 2024-12-31 | census_acs |
| Gas a month, typical home billed for it | $107/mo (no margin available) | — | 2024-12-31 | census_acs |
| Median gross rent | $2,060/mo ± $301/mo | 33rd–334th of 558 (toward the top) | 2024-12-31 | census_acs |
| Median household income | $183,655 ± $18,502 | 24th–119th of 562 (near the top) | 2024-12-31 | census_acs |
| Homeowners insurance a year, typical home with a mortgage | $1,272 (no margin available) | — | 2024-12-31 | census_acs |
| Median owner-occupied home value | $718,200 ± $32,037 | 87th–121st of 560 (near the top) | 2024-12-31 | census_acs |
| Median gross rent, one bedroom | $1,878/mo ± $607/mo | 7th–334th of 467 (can't be told apart from most) | 2024-12-31 | census_acs |
| Median gross rent, two bedrooms | $2,559/mo ± $473/mo | 9th–191st of 522 (toward the top) | 2024-12-31 | census_acs |
| Median gross rent, three bedrooms | $2,355/mo ± $268/mo | 58th–363rd of 509 (can't be told apart from most) | 2024-12-31 | census_acs |
| Median gross rent, studio | $1,192/mo ± $803/mo | 21st–245th of 252 (can't be told apart from most) | 2024-12-31 | census_acs |
| Water and sewer a year, typical home billed for it | $778 (no margin available) | — | 2024-12-31 | census_acs |
| Median year built | 1960 ± 2 | 306th–455th of 548 (toward the bottom) | 2024-12-31 | census_acs |
| Households without a car | 1.4% ± 0.9 points | 306th–562nd of 564 (toward the bottom) | 2024-12-31 | census_acs |
| Crowded homes | 1.4% ± 1.4 points | 1st–478th lowest of 564 (can't be told apart from most) | 2024-12-31 | census_acs |
| Owner costs a month, with a mortgage | $3,791/mo ± $193/mo | 1st–111th of 539 (near the top) | 2024-12-31 | census_acs |
| Owner costs a month, without a mortgage | $1,434/mo ± $61/mo | 1st–195th of 511 (toward the top) | 2020-12-31 | census_acs |
| Owners paying half their income or more | 10.9% ± 3.3 points | 41st–501st lowest of 563 (can't be told apart from most) | 2024-12-31 | census_acs |
| Total population | 24,843 ± 33 | 106th–107th of 564 (near the top) | 2024-12-31 | census_acs |
| Rental vacancy rate | 3.4% (0.0% to 8.2%) | 18th–563rd of 563 (can't be told apart from most) | 2024-12-31 | census_acs |
| Renters paying over 30% of income on housing | 50.5% ± 18.5 points | 7th–551st highest of 563 (can't be told apart from most) | 2024-12-31 | census_acs |
| Renters paying half their income or more | 23.1% ± 8.3 points | 51st–512th lowest of 563 (can't be told apart from most) | 2024-12-31 | census_acs |
| Renters paying utilities on top of rent | 100.0% (no margin available) | — | 2024-12-31 | census_acs |
| Rent paid to the landlord, lower quarter | $1,243/mo ± $368/mo | 51st–488th of 557 (can't be told apart from most) | 2024-12-31 | census_acs |
| Rent paid to the landlord, upper quarter | $1,990/mo ± $133/mo | 149th–390th of 556 (can't be told apart from most) | 2024-12-31 | census_acs |
| Studios and one-bedroom homes | 14.9% ± 2.6 points | — | 2024-12-31 | census_acs |
| Homes in buildings of 20 or more | 10.0% ± 1.5 points | — | 2024-12-31 | census_acs |
| Homes in buildings of two to four | 8.8% ± 2.9 points | — | 2024-12-31 | census_acs |
| Two-bedroom homes | 8.9% ± 2.3 points | — | 2024-12-31 | census_acs |
| Three-bedroom homes | 28.8% ± 3.8 points | — | 2024-12-31 | census_acs |
| Four or more bedrooms | 47.3% ± 4.8 points | — | 2024-12-31 | census_acs |
| Homes in buildings of five to 19 | 2.3% ± 1.3 points | — | 2024-12-31 | census_acs |
| Townhouses and other attached homes | 3.7% ± 1.6 points | — | 2024-12-31 | census_acs |
| Built 1940 to 1979 | 67.6% ± 6.4 points | — | 2024-12-31 | census_acs |
| Built 1980 to 1999 | 10.9% ± 4.2 points | — | 2024-12-31 | census_acs |
| Built in 2000 or later | 8.0% ± 2.3 points | — | 2024-12-31 | census_acs |
| Built before 1940 | 13.5% ± 2.9 points | — | 2024-12-31 | census_acs |
| Single-family detached homes | 75.2% ± 3.2 points | 179th–284th of 564 (toward the top) | 2024-12-31 | census_acs |
| Mobile homes | 0.0% (0.0% to 0.3%) | — | 2024-12-31 | census_acs |
| Vacancy rate | 3.1% ± 2.0 points | 147th–530th of 564 (can't be told apart from most) | 2024-12-31 | census_acs |
| Empty for other reasons | 28.5% ± 20.9 points | — | 2024-12-31 | census_acs |
| Empty homes kept for seasonal use | 0.0% (0.0% to 9.4%) | — | 2024-12-31 | census_acs |
| Households with children | 42.8% ± 2.4 points | 19th–88th of 564 (near the top) | 2024-12-31 | census_acs |
| Workers working from home | 25.5% ± 3.7 points | 23rd–214th of 564 (toward the top) | 2024-12-31 | census_acs |
| Owners paying over 30% of income, HUD CHAS | 22.2% ± 4.1 points | 7th–446th lowest of 563 (can't be told apart from most) | 2022-12-31 | hud_chas |
| Renters paying over 30% of income, HUD CHAS | 37.1% ± 12.8 points | 17th–495th lowest of 562 (can't be told apart from most) | 2022-12-31 | hud_chas |
| Renters paying over 50% of income, HUD CHAS | 19.0% ± 10.2 points | 17th–522nd lowest of 562 (can't be told apart from most) | 2022-12-31 | hud_chas |
| Flood insurance claims paid | 31 | — | 2025-12-31 | fema_nfip_claims |
| Flood insurance paid | $1,028,869 | — | 2025-12-31 | fema_nfip_claims |
| Homes in FEMA's 1% flood zone (count) | 1,337 | — | 2026-12-31 | fema_nfhl |
| Homes in FEMA's 1% flood zone | 14.7% | 102nd highest of 518 | 2026-12-31 | fema_nfhl |
| Homes in FEMA's 0.2% flood zone | 6.0% | 82nd 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 | 94.2% | — | 2025-12-31 | ffiec_hmda |
| Denials for credit history | 8.7% | — | 2022-12-31 | ffiec_hmda |
| Denials for debt-to-income | 34.8% | — | 2022-12-31 | ffiec_hmda |
| Home-purchase applications denied | 7.1% | — | 2025-12-31 | ffiec_hmda |
| Denials for the home's value | 8.7% | — | 2022-12-31 | ffiec_hmda |
| FHA loans, home purchases | 3.7% | — | 2025-12-31 | ffiec_hmda |
| Median borrower income, home purchases | $253,000 | — | 2025-12-31 | ffiec_hmda |
| Median mortgage, home purchases | $645,000 | — | 2025-12-31 | ffiec_hmda |
| Median loan costs, home purchases | $8,077 | — | 2025-12-31 | ffiec_hmda |
| Median loan-to-value, home purchases | 80.0% | — | 2025-12-31 | ffiec_hmda |
| Median mortgage rate, home purchases | 6.5% | — | 2025-12-31 | ffiec_hmda |
| Home-purchase mortgages made | 190 | — | 2025-12-31 | ffiec_hmda |
| VA loans, home purchases | 2.1% | — | 2025-12-31 | ffiec_hmda |
| Jobs held by residents | 12,902 | — | 2023-12-31 | census_lodes |
| Residents' jobs in their home county | 28.7% | — | 2023-12-31 | census_lodes |
| Residents' jobs in New York City | 14.1% | — | 2023-12-31 | census_lodes |
| Residents' jobs elsewhere in New Jersey | 53.6% | — | 2023-12-31 | census_lodes |
| Residents' jobs in other states | 2.8% | — | 2023-12-31 | census_lodes |
| Residents' jobs in Pennsylvania | 0.8% | — | 2023-12-31 | census_lodes |
| Residents' jobs in their own town | 7.1% | — | 2023-12-31 | census_lodes |
| Median assessed value, residential parcels | $111,100 | 543rd of 563 | 2024-12-31 | nj_modiv |
| Median residential lot size | 0.22 ac | 305th of 561 | 2024-12-31 | nj_modiv |
| Annual property tax bill, typical home | $13,074 | 80th of 563 | 2024-12-31 | nj_modiv |
| Median year built, residential parcels | 1959 | 304th of 562 | 2024-12-31 | nj_modiv |
| Apartment share of residential parcels | 0.1% | 340th of 564 | 2024-12-31 | nj_modiv |
| Residential parcels | 7,343 | 101st of 564 | 2024-12-31 | nj_modiv |
| Vacant land share of parcels | 3.2% | 288th of 564 | 2024-12-31 | nj_modiv |
| DCA fourth-round present need, non-binding | 53 | — | 2024-10-18 | nj_affordable |
| DCA fourth-round prospective need, capped and non-binding | 244 | — | 2024-10-18 | nj_affordable |
| Reported affordable housing trust fund balance | $867,319 | — | 2026-07-01 | nj_affordable |
| Home heating-oil tank cleanups | 0 | — | 2026-12-31 | njdep_kcsl |
| Contaminated sites, cleanup open | 10 | — | 2026-12-31 | njdep_kcsl |
| Contaminated sites, cleaned up with controls | 5 | — | 2026-12-31 | njdep_kcsl |
| Homes in the climate-adjusted tidal flood area | 0.0% | lowest of 392 | 2026-12-31 | njdep_cafe |
| Director's Ratio (assessment to market value) | 15.7% | 563rd of 564 | 2025-12-31 | nj_tax_rates |
| Effective property tax rate | 2.1 | 277th lowest of 564 | 2025-12-31 | nj_tax_rates |
| General property tax rate | 12.3 | 3rd of 564 | 2025-12-31 | nj_tax_rates |
| Net homes added | -2 | — | 2022-12-31 | nj_construction |
| Net homes added per 1,000 homes | -0.2 per 1,000 homes ± -0.0 per 1,000 homes | 462nd–465th of 557 (near the bottom) | 2022-12-31 | hip_derived |
| Homes completed | 0 | — | 2023-12-31 | nj_construction |
| Homes completed, one- and two-family | 7 | — | 2022-12-31 | nj_construction |
| Homes completed, mixed-use | 0 | — | 2023-12-31 | nj_construction |
| Homes completed, multifamily | 0 | — | 2022-12-31 | nj_construction |
| Homes demolished | 9 | — | 2022-12-31 | nj_construction |
| Population estimate | 25,437 | 107th of 564 | 2025-07-01 | census_pep |
| Residential units permitted | 90 | 79th of 563 | 2025-12-31 | census_permits |
| Home value to household income | 4.04× ± 0.41× | 45th–212th lowest of 388 (toward the low end) | 2024-12-31 | hip_derived |
| Sale price to household income | 3.73× ± 0.38× | 119th–376th lowest of 536 (can't be told apart from most) | 2024-12-31 | hip_derived |
| Sale price per square foot | $425 | 92nd of 538 | 2026-06-30 | nj_sr1a |
| Typical sale price, recent transactions | $801,000 | 99th of 540 | 2026-06-30 | nj_sr1a |
| Median sale price, last twelve months | $828,000 | — | 2026-06-30 | nj_sr1a |
| Assessed value to sale price | 14.1% | — | 2026-06-30 | nj_sr1a |
| Median year built, homes sold | 1960 | — | 2026-06-30 | nj_sr1a |
| Sale price, lower quarter | $605,000 | — | 2026-06-30 | nj_sr1a |
| Sale price, upper quarter | $1,100,000 | — | 2026-06-30 | nj_sr1a |
| Usable home sales, three years | 492 | — | 2026-06-30 | nj_sr1a |
| Homes sold a year per 1,000 | 26.8 per 1,000 homes | 177th of 540 | 2026-06-30 | hip_derived |
| Homes near any transit stop | 49.3% | — | 2026-12-31 | bts_ntm |
| Homes within a quarter mile of a bus stop | 49.3% | — | 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 | 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 |
| Starter home value index | $619,005 | 100th of 383 | 2026-09-30 | zillow_zhvi_bottom |
| Home value index, houses and condos | $834,283 | 97th of 388 | 2026-09-30 | zillow_zhvi |
| Observed rent index, all homes | $2,923/mo | 69th of 238 | 2026-09-30 | 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 +30.1% ± 20.5% and **Median household income** +39.4% ± 16.1% over 2019 to 2024: the two cannot be told apart within their margins. A comparison, not a cause.
- **Median owner-occupied home value** changed +44.2% ± 8.7% and **Median household income** +39.4% ± 16.1% 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 4.09× to 4.04× (2019 to 2024): over the same years the yearly average of Home value index, houses and condos changed +37.7% ($539,208 to $742,436) and Median household income +39.4% ± 16.1% ($131,732 to $183,655). 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) | 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 | 2 | Open public record |
| Construction Reporter — housing units certified and demolished | New Jersey Department of Community Affairs | 2022 | 2026-10-02 | 2 | Open public record |
| Construction Reporter — housing units certified and demolished | New Jersey Department of Community Affairs | 2023 | 2026-10-02 | 1 | Open public record |
| Tidal Climate Adjusted Flood Elevation (sea-level rise 4 ft) | New Jersey Department of Environmental Protection | current | 2026-10-03 | 1 | NJDEP Data Distribution Agreement |
| 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 | 2026-10-19 | 1 | Free for non-commercial use with attribution |

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Generated from analysis packet `1.7` for region `43` (GEOID `3403966060`). 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