# Waterford, 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 | 2.97 ± 0.16 | 2.73 ± 0.14 | -8.1% ± 6.8% | — | 114th–558th of 564 (can't be told apart from most) | 2019-12-31 → 2024-12-31 |
| Workers commuting by transit | 2.7% ± 1.4 points | 0.3% (0.0% to 0.9%) | -87.5% ± 23.3% | — | 200th–537th of 537 (toward the bottom) | 2019-12-31 → 2024-12-31 |
| People with a disability | 13.2% ± 2.3 points | 15.8% ± 2.9 points | +19.8% ± 30.5% | — | 4th–479th of 562 (can't be told apart from most) | 2019-12-31 → 2024-12-31 |
| Homeownership rate | 93.2% ± 1.8 points | 84.1% ± 3.7 points | -9.7% ± 4.3% | — | 326th–558th of 563 (toward the bottom) | 2019-12-31 → 2024-12-31 |
| Homeowner vacancy rate | 0.8% (0.0% to 2.0%) | 0.0% (0.0% to 0.7%) | -100.0% ± 86.6% | — | 3rd–429th of 429 (can't be told apart from most) | 2019-12-31 → 2024-12-31 |
| Students at private schools, grades 9 to 12 | 9.1% (0.0% to 20.1%) | 33.9% ± 23.1 points | +271.7% ± 514.6% | — | 1st–502nd of 502 (too uncertain to place) | 2019-12-31 → 2024-12-31 |
| Students at private schools | 6.7% ± 4.2 points | 15.3% ± 8.5 points | +128.5% ± 190.7% | — | 1st–503rd of 544 (can't be told apart from most) | 2019-12-31 → 2024-12-31 |
| Students at private schools, kindergarten to grade 8 | 5.9% ± 4.2 points | 8.2% ± 7.6 points | +38.8% ± 161.6% | — | 1st–517th of 517 (too uncertain to place) | 2019-12-31 → 2024-12-31 |
| Homes without a complete kitchen | 6.4% ± 3.8 points | 1.1% (0.0% to 2.2%) | -83.6% ± 20.1% | — | 1st–434th of 480 (can't be told apart from most) | 2019-12-31 → 2024-12-31 |
| Homes without complete plumbing | 4.9% ± 3.6 points | 0.1% (0.0% to 0.3%) | -97.3% ± 4.8% | — | 1st–369th of 409 (can't be told apart from most) | 2019-12-31 → 2024-12-31 |
| Households of one person | 17.3% ± 4.5 points | 15.9% ± 4.9 points | -8.4% ± 36.7% | — | 8th–559th of 563 (can't be told apart from most) | 2019-12-31 → 2024-12-31 |
| Commute, minutes each way | 34.0 min ± 3.8 min | 32.9 min ± 4.7 min | -3.2% ± 17.5% | — | 7th–561st of 561 (can't be told apart from most) | 2019-12-31 → 2024-12-31 |
| Median gross rent | $1,223/mo ± $587/mo | $1,541/mo ± $934/mo | +26.0% ± 97.4% | — | 1st–522nd of 522 (too uncertain to place) | 2019-12-31 → 2024-12-31 |
| Median household income | $105,119 ± $10,179 | $111,791 ± $9,831 | +6.3% ± 13.9% | — | 165th–551st of 551 (can't be told apart from most) | 2019-12-31 → 2024-12-31 |
| Median owner-occupied home value | $205,100 ± $8,867 | $282,000 ± $16,205 | +37.5% ± 9.9% | — | 43rd–469th of 554 (can't be told apart from most) | 2019-12-31 → 2024-12-31 |
| Median gross rent, one bedroom | $585/mo ± $423/mo | $941/mo ± $40/mo | +60.9% ± 116.5% | — | 1st–388th of 388 (too uncertain to place) | 2019-12-31 → 2024-12-31 |
| Median gross rent, two bedrooms | $1,161/mo ± $366/mo | $1,677/mo ± $143/mo | +44.4% ± 47.2% | — | 1st–432nd of 446 (can't be told apart from most) | 2019-12-31 → 2024-12-31 |
| Median gross rent, three bedrooms | $1,890/mo ± $501/mo | $1,848/mo ± $259/mo | -2.2% ± 29.3% | — | 69th–353rd of 358 (can't be told apart from most) | 2019-12-31 → 2024-12-31 |
| Median year built | 1978 ± 2 | 1976 ± 3 | -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 | 0.8% (0.0% to 2.0%) | 2.5% ± 2.1 points | +196.6% ± 467.0% | — | 1st–554th of 554 (too uncertain to place) | 2019-12-31 → 2024-12-31 |
| Owner costs a month, with a mortgage | $1,898/mo ± $111/mo | $2,204/mo ± $145/mo | +16.1% ± 10.2% | — | 8th–469th of 494 (can't be told apart from most) | 2019-12-31 → 2024-12-31 |
| Owner costs a month, without a mortgage | $960/mo ± $63/mo | $1,091/mo ± $46/mo | +13.6% ± 8.9% | — | 34th–429th of 438 (can't be told apart from most) | 2019-12-31 → 2024-12-31 |
| Owners paying half their income or more | 8.8% ± 3.3 points | 9.0% ± 4.4 points | +2.7% ± 63.3% | — | 13th–561st of 561 (can't be told apart from most) | 2019-12-31 → 2024-12-31 |
| Total population | 10,702 ± 24 | 10,451 ± 22 | -2.3% ± 0.3% | — | 441st–533rd of 564 (near the bottom) | 2019-12-31 → 2024-12-31 |
| Renters paying over 30% of income on housing | 39.0% ± 17.2 points | 69.7% (38.8% to 100.0%) | +78.6% ± 111.8% | — | 26th–555th of 555 (can't be told apart from most) | 2019-12-31 → 2024-12-31 |
| Renters paying half their income or more | 7.0% ± 4.5 points | 30.0% ± 18.0 points | +328.0% ± 375.1% | — | 77th–542nd of 542 (can't be told apart from most) | 2019-12-31 → 2024-12-31 |
| Rent paid to the landlord, lower quarter | $810/mo ± $284/mo | $939/mo ± $149/mo | +15.9% ± 44.6% | — | 8th–504th of 509 (can't be told apart from most) | 2019-12-31 → 2024-12-31 |
| Rent paid to the landlord, upper quarter | $1,570/mo ± $508/mo | $1,475/mo ± $234/mo | -6.1% ± 33.9% | — | 143rd–508th of 509 (can't be told apart from most) | 2019-12-31 → 2024-12-31 |
| Single-family detached homes | 79.8% ± 4.5 points | 82.6% ± 3.4 points | +3.5% ± 7.3% | — | 12th–488th of 564 (can't be told apart from most) | 2019-12-31 → 2024-12-31 |
| Vacancy rate | 8.4% ± 3.9 points | 1.6% (0.0% to 3.3%) | -81.2% ± 22.1% | — | 199th–562nd of 562 (toward the bottom) | 2019-12-31 → 2024-12-31 |
| Households with children | 34.5% ± 2.6 points | 31.2% ± 4.8 points | -9.5% ± 15.4% | — | 61st–539th of 562 (can't be told apart from most) | 2019-12-31 → 2024-12-31 |
| Workers working from home | 2.1% ± 1.2 points | 13.7% ± 4.7 points | +545.5% ± 421.0% | — | 2nd–472nd of 557 (can't be told apart from most) | 2019-12-31 → 2024-12-31 |
| Director's Ratio (assessment to market value) | 87.8% | 53.7% | -38.8% | -9.4%/yr | 475th of 564 | 2020-12-31 → 2025-12-31 |
| Effective property tax rate | 3.7 | 2.7 | -25.8% | -5.8%/yr | 124th of 564 | 2020-12-31 → 2025-12-31 |
| General property tax rate | 4.1 | 4.6 | +12.1% | 2.3%/yr | 203rd of 564 | 2020-12-31 → 2025-12-31 |
| Population estimate | 10,402 | 10,562 | +1.5% | 0.3%/yr | 355th of 564 | 2020-07-01 → 2025-07-01 |

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 | 2.73 ± 0.14 | 55th–342nd of 564 (toward the top) | 2024-12-31 | census_acs |
| Commutes of an hour or more | 9.6% ± 3.2 points | — | 2024-12-31 | census_acs |
| Workers driving alone | 74.7% ± 4.4 points | — | 2024-12-31 | census_acs |
| Workers commuting by transit | 0.3% (0.0% to 0.9%) | 315th–564th of 564 (toward the bottom) | 2024-12-31 | census_acs |
| Workers walking to work | 0.4% (0.0% to 0.7%) | — | 2024-12-31 | census_acs |
| People with a disability | 15.8% ± 2.9 points | 16th–225th of 564 (toward the top) | 2024-12-31 | census_acs |
| Heated with electricity | 13.1% ± 5.0 points | — | 2024-12-31 | census_acs |
| Heated with utility gas | 65.2% ± 6.6 points | — | 2024-12-31 | census_acs |
| Heated with oil | 18.2% ± 5.0 points | — | 2024-12-31 | census_acs |
| Heated another way, or not at all | 1.6% (0.0% to 3.2%) | — | 2024-12-31 | census_acs |
| Heated with propane | 1.9% ± 1.4 points | — | 2024-12-31 | census_acs |
| Homeownership rate | 84.1% ± 3.7 points | 111th–288th of 564 (toward the top) | 2024-12-31 | census_acs |
| Homeowner vacancy rate | 0.0% (0.0% to 0.7%) | 44th–563rd of 563 (can't be told apart from most) | 2024-12-31 | census_acs |
| Homes, all housing units | 3,797 ± 208 | — | 2024-12-31 | census_acs |
| Students at private schools, grades 9 to 12 | 33.9% ± 23.1 points | 5th–329th of 561 (toward the top) | 2024-12-31 | census_acs |
| Students at private schools | 15.3% ± 8.5 points | 22nd–461st of 563 (can't be told apart from most) | 2024-12-31 | census_acs |
| Students at private schools, kindergarten to grade 8 | 8.2% ± 7.6 points | 35th–559th of 562 (can't be told apart from most) | 2024-12-31 | census_acs |
| Homes without a complete kitchen | 1.1% (0.0% to 2.2%) | 1st–535th lowest of 564 (can't be told apart from most) | 2024-12-31 | census_acs |
| Homes without complete plumbing | 0.1% (0.0% to 0.3%) | 1st–499th lowest of 564 (can't be told apart from most) | 2024-12-31 | census_acs |
| Households of one person | 15.9% ± 4.9 points | 310th–555th of 564 (toward the bottom) | 2024-12-31 | census_acs |
| Married-couple households | 60.6% ± 4.0 points | — | 2024-12-31 | census_acs |
| Commute, minutes each way | 32.9 min ± 4.7 min | 10th–445th highest of 562 (can't be told apart from most) | 2024-12-31 | census_acs |
| Electricity a month, typical home billed for it | $201/mo (no margin available) | — | 2024-12-31 | census_acs |
| Gas a month, typical home billed for it | $124/mo (no margin available) | — | 2024-12-31 | census_acs |
| Median gross rent | $1,541/mo ± $934/mo | 30th–558th of 558 (can't be told apart from most) | 2024-12-31 | census_acs |
| Median household income | $111,791 ± $9,831 | 182nd–389th of 562 (can't be told apart from most) | 2024-12-31 | census_acs |
| Homeowners insurance a year, typical home with a mortgage | $1,169 (no margin available) | — | 2024-12-31 | census_acs |
| Median owner-occupied home value | $282,000 ± $16,205 | 447th–502nd of 560 (near the bottom) | 2024-12-31 | census_acs |
| Heating oil and other fuels a year, typical home billed for them | $698 (no margin available) | — | 2021-12-31 | census_acs |
| Median gross rent, one bedroom | $941/mo ± $40/mo | 323rd–445th of 467 (near the bottom) | 2024-12-31 | census_acs |
| Median gross rent, two bedrooms | $1,677/mo ± $143/mo | 159th–435th of 522 (can't be told apart from most) | 2024-12-31 | census_acs |
| Median gross rent, three bedrooms | $1,848/mo ± $259/mo | 178th–475th of 509 (toward the bottom) | 2024-12-31 | census_acs |
| Water and sewer a year, typical home billed for it | $587 (no margin available) | — | 2024-12-31 | census_acs |
| Median year built | 1976 ± 3 | 99th–233rd of 548 (toward the top) | 2024-12-31 | census_acs |
| Households without a car | 2.5% ± 2.1 points | 180th–558th of 564 (can't be told apart from most) | 2024-12-31 | census_acs |
| Crowded homes | 0.0% (0.0% to 1.4%) | 1st–413th lowest of 564 (can't be told apart from most) | 2024-12-31 | census_acs |
| Owner costs a month, with a mortgage | $2,204/mo ± $145/mo | 345th–482nd of 539 (toward the bottom) | 2024-12-31 | census_acs |
| Owner costs a month, without a mortgage | $1,091/mo ± $46/mo | 232nd–411th of 511 (toward the bottom) | 2024-12-31 | census_acs |
| Owners paying half their income or more | 9.0% ± 4.4 points | 11th–479th lowest of 563 (can't be told apart from most) | 2024-12-31 | census_acs |
| Total population | 10,451 ± 22 | 236th of 564 | 2024-12-31 | census_acs |
| Rental vacancy rate | 0.0% (0.0% to 3.7%) | 64th–563rd of 563 (can't be told apart from most) | 2024-12-31 | census_acs |
| Renters paying over 30% of income on housing | 69.7% (38.8% to 100.0%) | 1st–509th highest of 563 (can't be told apart from most) | 2024-12-31 | census_acs |
| Renters paying half their income or more | 30.0% ± 18.0 points | 8th–516th highest of 563 (can't be told apart from most) | 2024-12-31 | census_acs |
| Renters paying utilities on top of rent | 60.3% (no margin available) | — | 2024-12-31 | census_acs |
| Rent paid to the landlord, lower quarter | $939/mo ± $149/mo | 290th–520th of 557 (toward the bottom) | 2024-12-31 | census_acs |
| Rent paid to the landlord, upper quarter | $1,475/mo ± $234/mo | 335th–534th of 556 (toward the bottom) | 2024-12-31 | census_acs |
| Studios and one-bedroom homes | 6.3% ± 4.1 points | — | 2024-12-31 | census_acs |
| Homes in buildings of 20 or more | 0.0% (0.0% to 0.8%) | — | 2024-12-31 | census_acs |
| Homes in buildings of two to four | 8.2% ± 4.5 points | — | 2024-12-31 | census_acs |
| Two-bedroom homes | 11.1% ± 4.9 points | — | 2024-12-31 | census_acs |
| Three-bedroom homes | 50.6% ± 6.5 points | — | 2024-12-31 | census_acs |
| Four or more bedrooms | 32.0% ± 5.3 points | — | 2024-12-31 | census_acs |
| Homes in buildings of five to 19 | 0.1% (0.0% to 0.8%) | — | 2024-12-31 | census_acs |
| Townhouses and other attached homes | 9.1% ± 3.7 points | — | 2024-12-31 | census_acs |
| Built 1940 to 1979 | 53.2% ± 8.4 points | — | 2024-12-31 | census_acs |
| Built 1980 to 1999 | 29.3% ± 5.6 points | — | 2024-12-31 | census_acs |
| Built in 2000 or later | 8.2% ± 3.4 points | — | 2024-12-31 | census_acs |
| Built before 1940 | 9.3% ± 3.3 points | — | 2024-12-31 | census_acs |
| Single-family detached homes | 82.6% ± 3.4 points | 111th–209th of 564 (toward the top) | 2024-12-31 | census_acs |
| Mobile homes | 0.0% (0.0% to 0.6%) | — | 2024-12-31 | census_acs |
| Vacancy rate | 1.6% (0.0% to 3.3%) | 237th–564th of 564 (toward the bottom) | 2024-12-31 | census_acs |
| Empty for other reasons | 56.7% (0.0% to 100.0%) | — | 2024-12-31 | census_acs |
| Empty homes kept for seasonal use | 0.0% (0.0% to 36.7%) | — | 2024-12-31 | census_acs |
| Households with children | 31.2% ± 4.8 points | 83rd–423rd of 564 (can't be told apart from most) | 2024-12-31 | census_acs |
| Workers working from home | 13.7% ± 4.7 points | 170th–486th of 564 (can't be told apart from most) | 2024-12-31 | census_acs |
| Owners paying over 30% of income, HUD CHAS | 27.0% ± 6.3 points | 34th–529th lowest of 563 (can't be told apart from most) | 2022-12-31 | hud_chas |
| Renters paying over 30% of income, HUD CHAS | 55.6% ± 33.7 points | 1st–546th highest of 562 (can't be told apart from most) | 2022-12-31 | hud_chas |
| Renters paying over 50% of income, HUD CHAS | 23.2% ± 21.3 points | 4th–558th lowest of 562 (can't be told apart from most) | 2022-12-31 | hud_chas |
| Flood insurance claims paid | 2 | — | 2011-12-31 | fema_nfip_claims |
| Flood insurance paid | $9,194 | — | 2011-12-31 | fema_nfip_claims |
| Homes in FEMA's 1% flood zone (count) | 113 | — | 2026-12-31 | fema_nfhl |
| Homes in FEMA's 1% flood zone | 2.9% | 138th lowest of 518 | 2026-12-31 | fema_nfhl |
| Homes in FEMA's 0.2% flood zone | 0.0% | 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 | 64.4% | — | 2025-12-31 | ffiec_hmda |
| Home-purchase applications denied | 9.0% | — | 2025-12-31 | ffiec_hmda |
| FHA loans, home purchases | 24.4% | — | 2025-12-31 | ffiec_hmda |
| Median borrower income, home purchases | $123,000 | — | 2025-12-31 | ffiec_hmda |
| Median mortgage, home purchases | $335,000 | — | 2025-12-31 | ffiec_hmda |
| Median loan costs, home purchases | $7,343 | — | 2025-12-31 | ffiec_hmda |
| Median loan-to-value, home purchases | 91.8% | — | 2025-12-31 | ffiec_hmda |
| Median mortgage rate, home purchases | 6.6% | — | 2025-12-31 | ffiec_hmda |
| Home-purchase mortgages made | 90 | — | 2025-12-31 | ffiec_hmda |
| VA loans, home purchases | 11.1% | — | 2025-12-31 | ffiec_hmda |
| Jobs held by residents | 5,883 | — | 2023-12-31 | census_lodes |
| Residents' jobs in their home county | 34.6% | — | 2023-12-31 | census_lodes |
| Residents' jobs in New York City | 0.7% | — | 2023-12-31 | census_lodes |
| Residents' jobs elsewhere in New Jersey | 51.8% | — | 2023-12-31 | census_lodes |
| Residents' jobs in other states | 1.9% | — | 2023-12-31 | census_lodes |
| Residents' jobs in Pennsylvania | 10.9% | — | 2023-12-31 | census_lodes |
| Residents' jobs in their own town | 6.4% | — | 2023-12-31 | census_lodes |
| Median assessed value, residential parcels | $171,200 | 468th of 563 | 2024-12-31 | nj_modiv |
| Median residential lot size | 0.46 ac | 135th of 561 | 2024-12-31 | nj_modiv |
| Annual property tax bill, typical home | $7,521 | 382nd of 563 | 2024-12-31 | nj_modiv |
| Median year built, residential parcels | 1978 | 119th of 562 | 2024-12-31 | nj_modiv |
| Apartment share of residential parcels | 0.2% | 278th of 564 | 2024-12-31 | nj_modiv |
| Residential parcels | 3,604 | 209th of 564 | 2024-12-31 | nj_modiv |
| Vacant land share of parcels | 8.3% | 94th of 564 | 2024-12-31 | nj_modiv |
| DCA fourth-round present need, non-binding | 10 | — | 2024-10-18 | nj_affordable |
| DCA fourth-round prospective need, capped and non-binding | 52 | — | 2024-10-18 | nj_affordable |
| Reported affordable housing trust fund balance | $9,669 | — | 2026-07-01 | nj_affordable |
| Home heating-oil tank cleanups | 1 | — | 2026-12-31 | njdep_kcsl |
| Contaminated sites, cleanup open | 9 | — | 2026-12-31 | njdep_kcsl |
| Contaminated sites, cleaned up with controls | 4 | — | 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) | 53.7% | 477th of 564 | 2025-12-31 | nj_tax_rates |
| Effective property tax rate | 2.7 | 75th highest of 564 | 2025-12-31 | nj_tax_rates |
| General property tax rate | 4.6 | 70th of 564 | 2025-12-31 | nj_tax_rates |
| Net homes added | 1 | — | 2025-12-31 | nj_construction |
| Net homes added per 1,000 homes | 0.0 per 1,000 homes (no sampling error) | 307th–448th of 557 (toward the bottom) | 2024-12-31 | hip_derived |
| Homes completed | 1 | — | 2025-12-31 | nj_construction |
| Homes completed, one- and two-family | 1 | — | 2025-12-31 | nj_construction |
| Homes completed, mixed-use | 0 | — | 2025-12-31 | nj_construction |
| Homes completed, multifamily | 0 | — | 2015-12-31 | nj_construction |
| Homes demolished | 0 | — | 2025-12-31 | nj_construction |
| Population estimate | 10,562 | 239th of 564 | 2025-07-01 | census_pep |
| Residential units permitted | 0 | 508th of 563 | 2025-12-31 | census_permits |
| Sale price to household income | 2.43× ± 0.21× | 4th–85th lowest of 536 (among the lowest values) | 2024-12-31 | hip_derived |
| Sale price per square foot | $202 | 477th of 538 | 2026-06-30 | nj_sr1a |
| Typical sale price, recent transactions | $343,000 | 440th of 540 | 2026-06-30 | nj_sr1a |
| Median sale price, last twelve months | $349,950 | — | 2026-06-30 | nj_sr1a |
| Assessed value to sale price | 46.7% | — | 2026-06-30 | nj_sr1a |
| Median year built, homes sold | 1979 | — | 2026-06-30 | nj_sr1a |
| Sale price, lower quarter | $275,000 | — | 2026-06-30 | nj_sr1a |
| Sale price, upper quarter | $428,442 | — | 2026-06-30 | nj_sr1a |
| Usable home sales, three years | 237 | — | 2026-06-30 | nj_sr1a |
| Homes sold a year per 1,000 | 26.3 per 1,000 homes | 192nd of 540 | 2026-06-30 | hip_derived |
| Homes near any transit stop | 30.5% | — | 2026-12-31 | bts_ntm |
| Homes within a quarter mile of a bus stop | 28.2% | — | 2026-12-31 | bts_ntm |
| Homes within half a mile of a rail stop | 2.6% | — | 2026-12-31 | bts_ntm |
| Homes on public water | 40.6% | — | 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 +26.0% ± 97.4% and **Median household income** +6.3% ± 13.9% over 2019 to 2024: the two cannot be told apart within their margins. A comparison, not a cause.
- **Median owner-occupied home value** changed +37.5% ± 9.9% and **Median household income** +6.3% ± 13.9% over 2019 to 2024: the first rose faster, by more than their margins allow. 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.
- 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 | 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 | 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) | 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 | 2015 | 2026-10-02 | 1 | 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 |
| 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 |

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Generated from analysis packet `1.7` for region `86` (GEOID `3400777630`). 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