HomeNew JerseyOcean CountyShip Bottom
Ship Bottom, New Jersey: commercial real estate data.
Ship Bottom is a Census borough of 957 people across 0.71 square miles of land, in Ocean County. Median household income is $108,750, 91.8 percent of occupied homes are owned, and the SBA record carries 8 7(a) approvals to borrowers here worth $7.4 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Ship Bottom
What Ship Bottom is
- Census place typeborough
- Land area0.71 sq mi
- Water area0.28 sq mi
- Population per square mile of land1,344
- 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.
Ship Bottom
How many people live in Ship Bottom
- Population957
- Median age63.6
- Population under 1871 plus or minus 25
- Share under 187.4 percent plus or minus 2.4
- Population 65 and over443
- Share 65 and over46.3 percent plus or minus 9.4
- Households486
- Family households317
- Share of households that are families65.2 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Ship Bottom
Income and work in Ship Bottom
- Median household income$108,750 plus or minus $33,141
- Per capita income$94,068
- Civilian labor force394
- Employed385
- Unemployed9 plus or minus 10
- Unemployment rate2.3 percent plus or minus 2.5
- Adults 25 and over865
- Adults 25 and over with a high school diploma or higher98.6 percent plus or minus 19.8
- Adults 25 and over with a bachelor degree or higher60.6 percent
- Adults 25 and over with a graduate degree24.6 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Ship Bottom
Housing in Ship Bottom
- Housing units2,089
- Occupied units486
- Vacant units1,603
- Vacancy rate76.7 percent
- Owner occupied446
- Renter occupied40 plus or minus 23
- Ownership rate91.8 percent plus or minus 19.8
- Median owner-occupied home value$975,800
- Median gross rent, monthly$1,455
- Annual rent as a share of median income16.1 percent plus or minus 5.4
- Single family units1,792
- Share single family85.8 percent
- Units in buildings of two or more297 plus or minus 74
- Share in buildings of two or more14.2 percent plus or minus 3.4
- Mobile homes0
- Median year structure built1970
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Ship Bottom
How Ship Bottom gets to work
- Workers 16 and over who commute300 plus or minus 71
- Commuting under 15 minutes168 plus or minus 55
- Share commuting under 15 minutes56.0 percent plus or minus 12.6
- Commuting 30 minutes or more97 plus or minus 31
- Share commuting 30 minutes or more32.3 percent plus or minus 7.1
- Drove alone66.8 percent
- Carpooled5.5 percent plus or minus 3.2
- Public transport2.6 percent plus or minus 2.5
- Walked0.8 percent plus or minus 1.0
- Worked from home22.1 percent plus or minus 5.2
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Ship Bottom
SBA loans in Ship Bottom (7(a))
- Approvals8
- Gross approval$7,427,500
- Average approval$928,438
- Median approval$585,000
- Largest approval$3,850,000
- Jobs supported126
- Jobs per approval15.8
- Loans with a final outcome2
- Paid in full2
- Charged off0
- Median term300 months
- Share on real estate terms of 20 years or more62.5 percent
- Share to franchises12.5 percent
- Distinct lenders6
- Distinct industries by NAICS7
Counted by borrower city: approvals to borrowers whose address is in Ship Bottom, in any county, FY2020 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, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Ship Bottom
SBA loans in Ship Bottom (504)
- Approvals2
- Gross approval$1,100,000
- Average approval$550,000
- Median approval$550,000
- Largest approval$642,000
- Jobs supported30
- Loans with a final outcome0
- Charged off0
- Median term270 months
- Distinct CDCs2
Counted by borrower city: approvals to borrowers whose address is in Ship Bottom, 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.
Ship Bottom
Flood risk in Ship Bottom
- NFIP communityBorough of Ship Bottom
- NFIP community number345320
- Participating in the NFIPYes
- Community Rating System classClass 7
- Currently effective map date12/16/21
The Borough of Ship Bottom participates in the National Flood Insurance Program as community 345320 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 Ship Bottom
Ocean County context, not Ship Bottom 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 Ship Bottom.
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
Ship Bottom questions, answered from the record.
How many people live in Ship Bottom, New Jersey?
957, in 486 households. Ship Bottom borough covers 0.71 square miles of land, which is 1,344 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Ship Bottom 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 Ship Bottom?
$108,750. The median owner-occupied home is valued at $975,800. Median gross rent is $1,455 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Ship Bottom businesses?
8 7(a) approvals totaling $7.4 m since FY2020, across 6 lenders, median approval $585,000, plus 2 504 approvals worth $1.1 m since FY2010. These count approvals to borrowers whose address is in Ship Bottom, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Ship Bottom borrowers get paid back?
No rate is published for Ship Bottom. Only 2 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 Ship Bottom in the National Flood Insurance Program?
Yes. Ship Bottom appears in the FEMA Community Status Book as Ship Bottom, borough of, community 345320, 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 Ship Bottom 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 Ship Bottom.
Is zoning published for Ship Bottom?
No. Nothing on this page presents parcel level zoning.