HomeNew JerseyMonmouth CountyNeptune City
Neptune City, New Jersey: commercial real estate data.
Neptune City is a Census borough of 4,606 people across 0.90 square miles of land, in Monmouth County. Median household income is $88,864, 72.1 percent of occupied homes are owned, and the SBA record carries 38 7(a) approvals to borrowers here worth $29.6 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Neptune City
What Neptune City is
- Census place typeborough
- Land area0.9 sq mi
- Water area0 sq mi
- Population per square mile of land5,143
- County holding the largest share of its areaMonmouth 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.
Neptune City
How many people live in Neptune City
- Population4,606
- Median age41.7
- Population under 18795 plus or minus 250
- Share under 1817.3 percent plus or minus 5.4
- Population 65 and over614 plus or minus 195
- Share 65 and over13.3 percent plus or minus 4.2
- Households2,076
- Family households1,133
- Share of households that are families54.6 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Neptune City
Income and work in Neptune City
- Median household income$88,864 plus or minus $20,252
- Per capita income$48,133
- Civilian labor force3,097
- Employed2,916
- Unemployed181 plus or minus 168
- Unemployment rate5.8 percent plus or minus 5.4
- Adults 25 and over3,186
- Adults 25 and over with a high school diploma or higher94.5 percent
- Adults 25 and over with a bachelor degree or higher30.5 percent plus or minus 9.9
- Adults 25 and over with a graduate degree10.5 percent plus or minus 5.3
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Neptune City
Housing in Neptune City
- Housing units2,228
- Occupied units2,076
- Vacant units152 plus or minus 96
- Vacancy rate6.8 percent plus or minus 4.3
- Owner occupied1,496
- Renter occupied580 plus or minus 200
- Ownership rate72.1 percent
- Median owner-occupied home value$420,700
- Median gross rent, monthly$1,526 plus or minus $691
- Annual rent as a share of median income20.6 percent plus or minus 10.4
- Single family units1,600
- Share single family71.8 percent
- Units in buildings of two or more535 plus or minus 244
- Share in buildings of two or more24.0 percent plus or minus 10.7
- Mobile homes93 plus or minus 86
- Median year structure built1959
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Neptune City
How Neptune City gets to work
- Workers 16 and over who commute2,712
- Commuting under 15 minutes806 plus or minus 239
- Share commuting under 15 minutes29.7 percent plus or minus 8.2
- Commuting 30 minutes or more886 plus or minus 290
- Share commuting 30 minutes or more32.7 percent plus or minus 10.2
- Drove alone75.5 percent
- Carpooled15.1 percent plus or minus 6.3
- Public transport0.7 percent plus or minus 0.9
- Walked0.0 percent
- Worked from home5.9 percent plus or minus 4.0
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Neptune City
SBA loans in Neptune City (7(a))
- Approvals38
- Gross approval$29,615,300
- Average approval$779,350
- Median approval$160,000
- Ninetieth percentile approval$3,015,000
- Largest approval$4,500,000
- Jobs supported347
- Jobs per approval9.1
- Loans with a final outcome8
- Paid in full6
- Charged off2
- Median term120 months
- Share on real estate terms of 20 years or more10.5 percent
- Share to franchises2.6 percent
- Distinct lenders16
- Distinct industries by NAICS31
Counted by borrower city: approvals to borrowers whose address is in Neptune City, 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.
Neptune City
SBA loans in Neptune City (504)
- Approvals3
- Gross approval$1,452,000
- Average approval$484,000
- Median approval$166,000
- Largest approval$1,142,000
- Jobs supported25
- Loans with a final outcome1
- Charged off0
- Median term240 months
- Distinct CDCs3
Counted by borrower city: approvals to borrowers whose address is in Neptune City, 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.
Neptune City
Flood risk in Neptune City
- NFIP communityBorough of Neptune City
- NFIP community number340316
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date06/15/22
The Borough of Neptune City participates in the National Flood Insurance Program as community 340316 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.
Monmouth County, not Neptune City
Monmouth County context, not Neptune City figures
- Establishments in Monmouth County19,883
- Covered employment, Monmouth County274,000
- Average annual pay, Monmouth County$70,560
- Housing units permitted, Monmouth County2,782
Every figure in this section is published for Monmouth County as a whole and is not a measurement of Neptune City.
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
Neptune City questions, answered from the record.
How many people live in Neptune City, New Jersey?
4,606, in 2,076 households. Neptune City borough covers 0.90 square miles of land, which is 5,143 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Neptune City in?
Monmouth 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 Neptune City?
$88,864. The median owner-occupied home is valued at $420,700. Median gross rent is $1,526 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Neptune City businesses?
38 7(a) approvals totaling $29.6 m since FY2020, across 16 lenders, median approval $160,000, plus 3 504 approvals worth $1.5 m since FY2010. These count approvals to borrowers whose address is in Neptune City, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Neptune City borrowers get paid back?
No rate is published for Neptune City. 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 Neptune City in the National Flood Insurance Program?
Yes. Neptune City appears in the FEMA Community Status Book as Neptune City, borough of, community 340316, 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 Neptune City figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Monmouth 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 Neptune City.
Is zoning published for Neptune City?
No. Nothing on this page presents parcel level zoning.