HomeNew JerseyOcean CountyBay Head
Bay Head, New Jersey: commercial real estate data.
Bay Head is a Census borough of 1,205 people across 0.59 square miles of land, in Ocean County. Median household income is $181,667, 86.3 percent of occupied homes are owned, and the SBA record carries 1 7(a) approvals to borrowers here worth $1.8 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Bay Head
What Bay Head is
- Census place typeborough
- Land area0.59 sq mi
- Water area0.12 sq mi
- Population per square mile of land2,058
- County holding the largest share of its areaOcean 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.
Bay Head
How many people live in Bay Head
- Population1,205
- Median age58.6
- Population under 18125 plus or minus 51
- Share under 1810.4 percent plus or minus 3.9
- Population 65 and over396
- Share 65 and over32.9 percent
- Households592
- Family households375
- Share of households that are families63.3 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Bay Head
Income and work in Bay Head
- Median household income$181,667 plus or minus $70,892
- Per capita income$125,314
- Civilian labor force605 plus or minus 124
- Employed596 plus or minus 123
- Unemployed9 plus or minus 8
- Unemployment rate1.5 percent plus or minus 1.3
- Adults 25 and over1,007
- Adults 25 and over with a high school diploma or higher99.4 percent
- Adults 25 and over with a bachelor degree or higher75.2 percent
- Adults 25 and over with a graduate degree30.0 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Bay Head
Housing in Bay Head
- Housing units1,060
- Occupied units592
- Vacant units468 plus or minus 95
- Vacancy rate44.2 percent
- Owner occupied511
- Renter occupied81 plus or minus 44
- Ownership rate86.3 percent
- Median owner-occupied home value$1,864,000
- Median gross rent, monthly$1,424
- Annual rent as a share of median income9.4 percent plus or minus 3.9
- Single family units962
- Share single family90.8 percent
- Units in buildings of two or more98 plus or minus 59
- Share in buildings of two or more9.2 percent plus or minus 5.4
- Mobile homes0
- Median year structure built1963
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Bay Head
How Bay Head gets to work
- Workers 16 and over who commute487 plus or minus 116
- Commuting under 15 minutes145 plus or minus 48
- Share commuting under 15 minutes29.8 percent plus or minus 6.9
- Commuting 30 minutes or more206 plus or minus 57
- Share commuting 30 minutes or more42.3 percent
- Drove alone59.0 percent
- Carpooled8.6 percent plus or minus 4.7
- Public transport3.5 percent plus or minus 1.9
- Walked7.1 percent plus or minus 5.0
- Worked from home17.7 percent plus or minus 4.6
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Bay Head
SBA loans in Bay Head (7(a))
- Approvals1
- Gross approval$1,765,000
- Average approval$1,765,000
- Median approval$1,765,000
- Largest approval$1,765,000
- Jobs supported6
- Jobs per approval6.0
- Loans with a final outcome1
- Paid in full1
- Charged off0
- Median term299 months
- Share on real estate terms of 20 years or more100.0 percent
- Share to franchises0.0 percent
- Distinct lenders1
- Distinct industries by NAICS1
Counted by borrower city: approvals to borrowers whose address is in Bay Head, in any county, FY2020 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, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Bay Head
SBA loans in Bay Head (504)
- Approvals1
- Gross approval$696,000
- Average approval$696,000
- Median approval$696,000
- Largest approval$696,000
- Jobs supported2
- Loans with a final outcome0
- Charged off0
- Median term300 months
- Distinct CDCs1
Counted by borrower city: approvals to borrowers whose address is in Bay Head, in any county, FY2010 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, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Bay Head
Flood risk in Bay Head
- NFIP communityBorough of Bay Head
- NFIP community number345281
- Participating in the NFIPYes
- Community Rating System classClass 7
- Currently effective map date06/20/18
The Borough of Bay Head participates in the National Flood Insurance Program as community 345281 and carries Community Rating System class 7, a flood insurance premium discount for policies written there.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Ocean County, not Bay Head
Ocean County context, not Bay Head figures
- Establishments in Ocean County15,020
- Covered employment, Ocean County189,912
- Average annual pay, Ocean County$57,452
- Housing units permitted, Ocean County3,706
Every figure in this section is published for Ocean County as a whole and is not a measurement of Bay Head.
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
Bay Head questions, answered from the record.
How many people live in Bay Head, New Jersey?
1,205, in 592 households. Bay Head borough covers 0.59 square miles of land, which is 2,058 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Bay Head in?
Ocean 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 Bay Head?
$181,667. The median owner-occupied home is valued at $1,864,000. Median gross rent is $1,424 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Bay Head businesses?
1 7(a) approvals totaling $1.8 m since FY2020, across 1 lenders, median approval $1,765,000, plus 1 504 approvals worth $696,000 since FY2010. These count approvals to borrowers whose address is in Bay Head, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Bay Head borrowers get paid back?
No rate is published for Bay Head. Only 1 loan has reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is Bay Head in the National Flood Insurance Program?
Yes. Bay Head appears in the FEMA Community Status Book as Bay Head, borough of, community 345281, carrying Community Rating System class 7, which is a premium discount for exceeding the program minimum. 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 Bay Head figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Ocean 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 Bay Head.
Is zoning published for Bay Head?
No. Nothing on this page presents parcel level zoning.