HomeNew JerseyMonmouth CountyNeptune City borough
Neptune City borough, New Jersey: commercial real estate data.
Neptune City borough 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.
76 sourced place values · tier FULL · 8 sections · 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$170,000
- Ninetieth percentile approval$3,050,000
- 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
A charge-off rate is not published here. only 8 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.
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
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Monmouth County, not Neptune City
Monmouth County context, not Neptune City figures
These are Monmouth County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as Neptune City measurements.
- Establishments in Monmouth County19,883
- Employment at those establishments, Monmouth County257,734
- Covered employment, Monmouth County274,000
- Average annual pay, Monmouth County$70,560
- Average weekly wage, Monmouth County$1,357
- Housing units permitted, Monmouth County2,782
- Of those, single family, Monmouth County2,151
- County product, 2024, Monmouth County$52,693,317,000
- County product change over the prior year, Monmouth County5.3 percent
- Average income of an arriving household, Monmouth County$138,672
Every figure in this section is published for Monmouth County as a whole and is not a measurement of Neptune City. 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
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 totalling $29.6 m, across 16 lenders, median approval $170,000, plus 3 504 approvals worth $1.5 m. 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 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 Neptune City figures?
No, and they are labelled 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?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.