HomeNew JerseyBergen CountyGarfield city
Garfield city, New Jersey: commercial real estate data.
Garfield city is a Census city of 32,783 people across 2.11 square miles of land, in Bergen County. Median household income is $79,700, 44.7 percent of occupied homes are owned, and the SBA record carries 45 7(a) approvals to borrowers here worth $12.9 m.
76 sourced place values · tier FULL · 8 sections · underlined figures are computed by MMCG Analytics, not published by the agency
Garfield
What Garfield is
- Census place typecity
- Land area2.11 sq mi
- Water area0.08 sq mi
- Population per square mile of land15,529
- County holding the largest share of its areaBergen County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Garfield
How many people live in Garfield
- Population32,783
- Median age38.8
- Population under 186,705
- Share under 1820.5 percent
- Population 65 and over4,816
- Share 65 and over14.7 percent
- Households11,191
- Family households8,490
- Share of households that are families75.9 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Garfield
Income and work in Garfield
- Median household income$79,700
- Per capita income$35,515
- Civilian labor force18,157
- Employed16,933
- Unemployed1,224
- Unemployment rate6.7 percent
- Adults 25 and over22,905
- Adults 25 and over with a high school diploma or higher85.8 percent
- Adults 25 and over with a bachelor degree or higher25.8 percent
- Adults 25 and over with a graduate degree8.3 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Garfield
Housing in Garfield
- Housing units11,846
- Occupied units11,191
- Vacant units655 plus or minus 194
- Vacancy rate5.5 percent plus or minus 1.6
- Owner occupied5,006
- Renter occupied6,185
- Ownership rate44.7 percent
- Median owner-occupied home value$475,500
- Median gross rent, monthly$1,688
- Annual rent as a share of median income25.4 percent
- Single family units3,336
- Share single family28.2 percent
- Units in buildings of two or more8,510
- Share in buildings of two or more71.8 percent
- Mobile homes0
- Median year structure built1954
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Garfield
How Garfield gets to work
- Workers 16 and over who commute15,471
- Commuting under 15 minutes3,882
- Share commuting under 15 minutes25.1 percent
- Commuting 30 minutes or more6,283
- Share commuting 30 minutes or more40.6 percent
- Drove alone68.4 percent
- Carpooled10.5 percent plus or minus 2.1
- Public transport5.7 percent plus or minus 2.0
- Walked4.8 percent plus or minus 1.7
- Worked from home6.7 percent plus or minus 2.2
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Garfield
SBA loans in Garfield (7(a))
- Approvals45
- Gross approval$12,861,400
- Average approval$285,809
- Median approval$100,000
- Ninetieth percentile approval$615,600
- Largest approval$1,900,000
- Jobs supported357
- Jobs per approval7.9
- Loans with a final outcome8
- Paid in full5
- Charged off3
- Median term120 months
- Share on real estate terms of 20 years or more15.6 percent
- Share to franchises0.0 percent
- Distinct lenders18
- Distinct industries by NAICS29
A charge-off rate is not published here. only 8 resolved loans, too few to publish a rate, and a rate over that few outcomes would move several points on one loan.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Garfield
SBA loans in Garfield (504)
- Approvals4
- Gross approval$5,414,000
- Average approval$1,353,500
- Median approval$1,477,000
- Largest approval$3,193,000
- Jobs supported75
- Loans with a final outcome1
- Charged off1
- Median term240 months
- Distinct CDCs2
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Bergen County, not Garfield
Bergen County context, not Garfield figures
These are Bergen County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as Garfield measurements.
- Establishments in Bergen County31,818
- Employment at those establishments, Bergen County441,870
- Covered employment, Bergen County438,240
- Average annual pay, Bergen County$80,639
- Average weekly wage, Bergen County$1,551
- Housing units permitted, Bergen County3,329
- Of those, single family, Bergen County1,450
- County product, 2024, Bergen County$105,804,508,000
- County product change over the prior year, Bergen County3.9 percent
- Average income of an arriving household, Bergen County$129,007
Every figure in this section is published for Bergen County as a whole and is not a measurement of Garfield. It is here because a county backdrop is what a credit committee reads a place against, and it is labelled so that it can never be quoted as the place's own.
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual. US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024. US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Coverage
What this page does not hold.
Every item below could be filled with a plausible figure. None of them is. On a page a lender may read, a number that cannot be traced is worse than an absence, so the absences are named.
- This place is not listed as a community in the FEMA Community Status Book, so no NFIP participation or CRS class is shown.
- Parcel level detail, zoning and flood zone at an address are resolved in the platform, not on this page.
SBA figures count approvals to borrowers whose address is in the place. They are not approvals for projects inside the place boundary: the tape records a borrower city and a project county, and those can differ.
Common questions
Garfield questions, answered from the record.
How many people live in Garfield, New Jersey?
32,783, in 11,191 households. Garfield city covers 2.11 square miles of land, which is 15,529 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Garfield in?
Bergen County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in Garfield?
$79,700. The median owner-occupied home is valued at $475,500. Median gross rent is $1,688 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Garfield businesses?
45 7(a) approvals totalling $12.9 m, across 18 lenders, median approval $100,000, plus 4 504 approvals worth $5.4 m. These count approvals to borrowers whose address is in Garfield, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Garfield borrowers get paid back?
No rate is published for Garfield. only 8 resolved loans, too few to publish a rate, and a percentage over that few outcomes would move several points on a single loan. The counts are shown instead.
Are the county figures on this page Garfield figures?
No, and they are labelled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Bergen County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Garfield.
Is zoning published for Garfield?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.