HomeNew JerseyBergen CountyGarfield
Garfield, New Jersey: commercial real estate data.
Garfield 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 since FY2020.
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$589,360
- 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
Counted by borrower city: approvals to borrowers whose address is in Garfield, in any county, FY2020 to FY2026. Only 8 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
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$1,049,000
- Largest approval$3,193,000
- Jobs supported75
- Loans with a final outcome1
- Charged off1
- Median term240 months
- Distinct CDCs2
Counted by borrower city: approvals to borrowers whose address is in Garfield, in any county, FY2010 to FY2026. Only 1 loan has reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Garfield
Flood risk in Garfield
- NFIP communityCity of Garfield
- NFIP community number340037
- Participating in the NFIPYes
- Community Rating System classClass 10
- Currently effective map date08/28/19
The City of Garfield participates in the National Flood Insurance Program as community 340037 and carries Community Rating System class 10, a flood insurance premium discount for policies written there.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Bergen County, not Garfield
Bergen County context, not Garfield figures
- Establishments in Bergen County31,818
- Covered employment, Bergen County438,240
- Average annual pay, Bergen County$80,639
- Housing units permitted, Bergen County3,329
Every figure in this section is published for Bergen County as a whole and is not a measurement of Garfield.
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.
Coverage
What this page does not hold.
Parcel detail, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
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 totaling $12.9 m since FY2020, across 18 lenders, median approval $100,000, plus 4 504 approvals worth $5.4 m since FY2010. 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 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is Garfield in the National Flood Insurance Program?
Yes. Garfield appears in the FEMA Community Status Book as Garfield, city of, community 340037, carrying Community Rating System class 10, which is a premium discount for exceeding the program minimum. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page Garfield figures?
No, and they are labeled 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?
No. Nothing on this page presents parcel level zoning.