HomeNew JerseyMiddlesex CountySouth Amboy
South Amboy, New Jersey: commercial real estate data.
South Amboy is a Census city of 9,989 people across 1.54 square miles of land, in Middlesex County. Median household income is $91,997, 56.5 percent of occupied homes are owned, and the SBA record carries 23 7(a) approvals to borrowers here worth $10.2 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
South Amboy
What South Amboy is
- Census place typecity
- Land area1.54 sq mi
- Water area1.16 sq mi
- Population per square mile of land6,496
- County holding the largest share of its areaMiddlesex 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.
South Amboy
How many people live in South Amboy
- Population9,989
- Median age42.4
- Population under 181,885 plus or minus 404
- Share under 1818.9 percent plus or minus 4.0
- Population 65 and over1,994 plus or minus 459
- Share 65 and over20.0 percent plus or minus 4.6
- Households4,209
- Family households3,011
- Share of households that are families71.5 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
South Amboy
Income and work in South Amboy
- Median household income$91,997 plus or minus $18,437
- Per capita income$44,424
- Civilian labor force5,656
- Employed5,322
- Unemployed334 plus or minus 158
- Unemployment rate5.9 percent plus or minus 2.7
- Adults 25 and over7,555
- Adults 25 and over with a high school diploma or higher88.3 percent
- Adults 25 and over with a bachelor degree or higher28.2 percent plus or minus 6.6
- Adults 25 and over with a graduate degree12.0 percent plus or minus 3.9
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
South Amboy
Housing in South Amboy
- Housing units4,493
- Occupied units4,209
- Vacant units284 plus or minus 169
- Vacancy rate6.3 percent plus or minus 3.7
- Owner occupied2,377
- Renter occupied1,832 plus or minus 416
- Ownership rate56.5 percent
- Median owner-occupied home value$379,700
- Median gross rent, monthly$1,707 plus or minus $568
- Annual rent as a share of median income22.3 percent plus or minus 8.6
- Single family units2,734
- Share single family60.9 percent
- Units in buildings of two or more1,732 plus or minus 561
- Share in buildings of two or more38.5 percent plus or minus 12.1
- Mobile homes27 plus or minus 40
- Median year structure built1960
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
South Amboy
How South Amboy gets to work
- Workers 16 and over who commute4,674
- Commuting under 15 minutes1,058 plus or minus 288
- Share commuting under 15 minutes22.6 percent plus or minus 5.5
- Commuting 30 minutes or more1,719 plus or minus 389
- Share commuting 30 minutes or more36.8 percent
- Drove alone63.5 percent
- Carpooled12.8 percent plus or minus 5.8
- Public transport10.7 percent plus or minus 5.2
- Walked0.9 percent plus or minus 1.1
- Worked from home11.3 percent plus or minus 4.3
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
South Amboy
SBA loans in South Amboy (7(a))
- Approvals23
- Gross approval$10,213,000
- Average approval$444,043
- Median approval$243,000
- Ninetieth percentile approval$691,200
- Largest approval$4,145,200
- Jobs supported177
- Jobs per approval7.7
- Loans with a final outcome6
- Paid in full5
- Charged off1
- Median term120 months
- Share on real estate terms of 20 years or more17.4 percent
- Share to franchises0.0 percent
- Distinct lenders11
- Distinct industries by NAICS17
Counted by borrower city: approvals to borrowers whose address is in South Amboy, in any county, FY2020 to FY2026. Only 6 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.
South Amboy
SBA loans in South Amboy (504)
- Approvals1
- Gross approval$3,301,000
- Average approval$3,301,000
- Median approval$3,301,000
- Largest approval$3,301,000
- Jobs supported60
- Loans with a final outcome1
- Charged off0
- Median term240 months
- Distinct CDCs1
Counted by borrower city: approvals to borrowers whose address is in South Amboy, 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.
South Amboy
Flood risk in South Amboy
- NFIP communityCity of South Amboy
- NFIP community number340277
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date07/06/10
The City of South Amboy participates in the National Flood Insurance Program as community 340277 and carries no Community Rating System class, so no CRS premium discount applies to it.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Middlesex County, not South Amboy
Middlesex County context, not South Amboy figures
- Establishments in Middlesex County22,314
- Covered employment, Middlesex County430,555
- Average annual pay, Middlesex County$82,400
- Housing units permitted, Middlesex County1,792
Every figure in this section is published for Middlesex County as a whole and is not a measurement of South Amboy.
All Middlesex County figures →
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
South Amboy questions, answered from the record.
How many people live in South Amboy, New Jersey?
9,989, in 4,209 households. South Amboy city covers 1.54 square miles of land, which is 6,496 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is South Amboy in?
Middlesex 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 South Amboy?
$91,997. The median owner-occupied home is valued at $379,700. Median gross rent is $1,707 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to South Amboy businesses?
23 7(a) approvals totaling $10.2 m since FY2020, across 11 lenders, median approval $243,000, plus 1 504 approvals worth $3.3 m since FY2010. These count approvals to borrowers whose address is in South Amboy, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to South Amboy borrowers get paid back?
No rate is published for South Amboy. Only 6 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 South Amboy in the National Flood Insurance Program?
Yes. South Amboy appears in the FEMA Community Status Book as South Amboy, city of, community 340277, with no Community Rating System class, so no CRS discount applies. 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 South Amboy figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Middlesex 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 South Amboy.
Is zoning published for South Amboy?
No. Nothing on this page presents parcel level zoning.