HomeNew JerseyMiddlesex CountySpotswood borough
Spotswood borough, New Jersey: commercial real estate data.
Spotswood borough is a Census borough of 8,171 people across 2.31 square miles of land, in Middlesex County. Median household income is $105,060, 86.2 percent of occupied homes are owned, and the SBA record carries 13 7(a) approvals to borrowers here worth $4.2 m.
76 sourced place values · tier FULL · 8 sections
Spotswood
What Spotswood is
- Census place typeborough
- Land area2.31 sq mi
- Water area0.11 sq mi
- Population per square mile of land3,533
- 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.
Spotswood
How many people live in Spotswood
- Population8,171
- Median age46.0
- Population under 181,424 plus or minus 319
- Share under 1817.4 percent plus or minus 3.9
- Population 65 and over1,820
- Share 65 and over22.3 percent
- Households3,307
- Family households2,319
- Share of households that are families70.1 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Spotswood
Income and work in Spotswood
- Median household income$105,060
- Per capita income$51,411
- Civilian labor force4,440
- Employed4,045
- Unemployed395 plus or minus 361
- Unemployment rate8.9 percent plus or minus 8.1
- Adults 25 and over6,176
- Adults 25 and over with a high school diploma or higher91.9 percent
- Adults 25 and over with a bachelor degree or higher36.9 percent
- Adults 25 and over with a graduate degree12.0 percent plus or minus 3.0
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Spotswood
Housing in Spotswood
- Housing units3,344
- Occupied units3,307
- Vacant units37 plus or minus 59
- Vacancy rate1.1 percent plus or minus 1.8
- Owner occupied2,849
- Renter occupied458 plus or minus 166
- Ownership rate86.2 percent
- Median owner-occupied home value$369,900
- Median gross rent, monthly$1,079 plus or minus $236
- Annual rent as a share of median income12.3 percent plus or minus 3.2
- Single family units2,486
- Share single family74.3 percent
- Units in buildings of two or more403 plus or minus 147
- Share in buildings of two or more12.1 percent plus or minus 4.3
- Mobile homes455 plus or minus 163
- Median year structure built1967
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Spotswood
How Spotswood gets to work
- Workers 16 and over who commute3,283
- Commuting under 15 minutes625 plus or minus 185
- Share commuting under 15 minutes19.0 percent plus or minus 5.3
- Commuting 30 minutes or more1,643
- Share commuting 30 minutes or more50.0 percent
- Drove alone71.6 percent
- Carpooled7.2 percent plus or minus 3.1
- Public transport2.3 percent plus or minus 1.2
- Walked1.6 percent plus or minus 1.2
- Worked from home17.3 percent plus or minus 4.4
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Spotswood
SBA 7(a) lending to Spotswood borrowers
- Approvals13
- Gross approval$4,215,000
- Average approval$324,231
- Median approval$150,000
- Ninetieth percentile approval$688,000
- Largest approval$1,850,000
- Jobs supported79
- Jobs per approval6.1
- Loans with a final outcome0
- Paid in full0
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more15.4 percent
- Share to franchises23.1 percent
- Distinct lenders10
- Distinct industries by NAICS10
A charge-off rate is not published here. only 0 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.
Spotswood
SBA 504 lending to Spotswood borrowers
- Approvals2
- Gross approval$5,405,000
- Average approval$2,702,500
- Median approval$3,875,000
- Largest approval$3,875,000
- Jobs supported48
- Loans with a final outcome2
- Charged off0
- Median term300 months
- Distinct CDCs1
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Middlesex County, not Spotswood
Middlesex County context, not Spotswood figures
These are Middlesex County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as Spotswood measurements.
- Establishments in Middlesex County22,314
- Employment at those establishments, Middlesex County434,143
- Covered employment, Middlesex County430,555
- Average annual pay, Middlesex County$82,400
- Average weekly wage, Middlesex County$1,585
- Housing units permitted, Middlesex County1,792
- Of those, single family, Middlesex County677
- County product, 2024, Middlesex County$86,704,508,000
- County product change over the prior year, Middlesex County4.3 percent
- Average income of an arriving household, Middlesex County$90,589
Every figure in this section is published for Middlesex County as a whole and is not a measurement of Spotswood. 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
Spotswood questions, answered from the record.
How many people live in Spotswood, New Jersey?
8,171, in 3,307 households. Spotswood borough covers 2.31 square miles of land, which is 3,533 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Spotswood 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 Spotswood?
$105,060. The median owner-occupied home is valued at $369,900. Median gross rent is $1,079 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Spotswood businesses?
13 7(a) approvals totalling $4.2 m, across 10 lenders, median approval $150,000, plus 2 504 approvals worth $5.4 m. These count approvals to borrowers whose address is in Spotswood, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Spotswood borrowers get paid back?
No rate is published for Spotswood. only 0 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 Spotswood figures?
No, and they are labelled 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 Spotswood.
Is zoning published for Spotswood?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.