HomeNew JerseyCape May CountyStone Harbor
Stone Harbor, New Jersey: commercial real estate data.
Stone Harbor is a Census borough of 893 people across 1.42 square miles of land, in Cape May County. Median household income is $169,167, 89.0 percent of occupied homes are owned, and the SBA record carries 6 7(a) approvals to borrowers here worth $1.3 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Stone Harbor
What Stone Harbor is
- Census place typeborough
- Land area1.42 sq mi
- Water area0.77 sq mi
- Population per square mile of land629
- County holding the largest share of its areaCape May 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.
Stone Harbor
How many people live in Stone Harbor
- Population893
- Median age64.6
- Population under 1879 plus or minus 42
- Share under 188.8 percent plus or minus 4.5
- Population 65 and over433
- Share 65 and over48.5 percent
- Households464
- Family households297
- Share of households that are families64.0 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Stone Harbor
Income and work in Stone Harbor
- Median household income$169,167 plus or minus $72,024
- Per capita income$144,148
- Civilian labor force373 plus or minus 78
- Employed355 plus or minus 77
- Unemployed18 plus or minus 12
- Unemployment rate4.8 percent plus or minus 3.1
- Adults 25 and over784
- Adults 25 and over with a high school diploma or higher99.7 percent
- Adults 25 and over with a bachelor degree or higher70.3 percent
- Adults 25 and over with a graduate degree28.4 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Stone Harbor
Housing in Stone Harbor
- Housing units3,151
- Occupied units464
- Vacant units2,687
- Vacancy rate85.3 percent
- Owner occupied413
- Renter occupied51 plus or minus 23
- Ownership rate89.0 percent
- Median owner-occupied home value$2,000,001
- Median gross rent, monthly$1,711
- Annual rent as a share of median income12.1 percent plus or minus 5.4
- Single family units2,725
- Share single family86.5 percent
- Units in buildings of two or more424 plus or minus 92
- Share in buildings of two or more13.5 percent plus or minus 2.9
- Mobile homes2 plus or minus 3
- Median year structure built1978
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Stone Harbor
How Stone Harbor gets to work
- Workers 16 and over who commute245 plus or minus 64
- Commuting under 15 minutes82 plus or minus 28
- Share commuting under 15 minutes33.5 percent plus or minus 7.3
- Commuting 30 minutes or more114 plus or minus 42
- Share commuting 30 minutes or more46.5 percent plus or minus 12.3
- Drove alone53.3 percent plus or minus 12.0
- Carpooled5.3 percent plus or minus 4.9
- Public transport2.1 percent plus or minus 2.9
- Walked5.6 percent plus or minus 4.3
- Worked from home27.5 percent plus or minus 7.2
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Stone Harbor
SBA loans in Stone Harbor (7(a))
- Approvals6
- Gross approval$1,316,000
- Average approval$219,333
- Median approval$255,500
- Largest approval$350,000
- Jobs supported153
- Jobs per approval25.5
- Loans with a final outcome1
- Paid in full1
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more16.7 percent
- Share to franchises0.0 percent
- Distinct lenders4
- Distinct industries by NAICS3
Counted by borrower city: approvals to borrowers whose address is in Stone Harbor, in any county, FY2020 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, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Stone Harbor
Flood risk in Stone Harbor
- NFIP communityBorough of Stone Harbor
- NFIP community number345323
- Participating in the NFIPYes
- Community Rating System classClass 5
- Currently effective map date10/05/17
The Borough of Stone Harbor participates in the National Flood Insurance Program as community 345323 and carries Community Rating System class 5, a flood insurance premium discount for policies written there.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Cape May County, not Stone Harbor
Cape May County context, not Stone Harbor figures
- Establishments in Cape May County3,816
- Covered employment, Cape May County42,713
- Average annual pay, Cape May County$48,574
- Housing units permitted, Cape May County895
Every figure in this section is published for Cape May County as a whole and is not a measurement of Stone Harbor.
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
Stone Harbor questions, answered from the record.
How many people live in Stone Harbor, New Jersey?
893, in 464 households. Stone Harbor borough covers 1.42 square miles of land, which is 629 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Stone Harbor in?
Cape May 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 Stone Harbor?
$169,167. The median owner-occupied home is valued at $2,000,001. Median gross rent is $1,711 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Stone Harbor businesses?
6 7(a) approvals totaling $1.3 m since FY2020, across 4 lenders, median approval $255,500. These count approvals to borrowers whose address is in Stone Harbor, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Stone Harbor borrowers get paid back?
No rate is published for Stone Harbor. Only 1 loan has reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is Stone Harbor in the National Flood Insurance Program?
Yes. Stone Harbor appears in the FEMA Community Status Book as Stone Harbor, borough of, community 345323, carrying Community Rating System class 5, 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 Stone Harbor figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Cape May 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 Stone Harbor.
Is zoning published for Stone Harbor?
No. Nothing on this page presents parcel level zoning.