HomeNew JerseyMiddlesex CountySpotswood
Spotswood, New Jersey: commercial real estate data.
Spotswood 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 since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
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 loans in Spotswood (7(a))
- Approvals13
- Gross approval$4,215,000
- Average approval$324,231
- Median approval$150,000
- 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
Counted by borrower city: approvals to borrowers whose address is in Spotswood, in any county, FY2020 to FY2026. Only 0 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.
Spotswood
SBA loans in Spotswood (504)
- Approvals2
- Gross approval$5,405,000
- Average approval$2,702,500
- Median approval$2,702,500
- Largest approval$3,875,000
- Jobs supported48
- Loans with a final outcome2
- Charged off0
- Median term270 months
- Distinct CDCs1
Counted by borrower city: approvals to borrowers whose address is in Spotswood, in any county, FY2010 to FY2026. Only 2 loans have 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.
Spotswood
Flood risk in Spotswood
- NFIP communityBorough of Spotswood
- NFIP community number340282
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date07/06/10
The Borough of Spotswood participates in the National Flood Insurance Program as community 340282 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 Spotswood
Middlesex County context, not Spotswood 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 Spotswood.
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
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 totaling $4.2 m since FY2020, across 10 lenders, median approval $150,000, plus 2 504 approvals worth $5.4 m since FY2010. 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 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 Spotswood in the National Flood Insurance Program?
Yes. Spotswood appears in the FEMA Community Status Book as Spotswood, borough of, community 340282, 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 Spotswood 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 Spotswood.
Is zoning published for Spotswood?
No. Nothing on this page presents parcel level zoning.