HomeNew JerseyPassaic CountyTotowa
Totowa, New Jersey: commercial real estate data.
Totowa is a Census borough of 10,959 people across 4.00 square miles of land, in Passaic County. Median household income is $113,563, 73.6 percent of occupied homes are owned, and the SBA record carries 23 7(a) approvals to borrowers here worth $8.8 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Totowa
What Totowa is
- Census place typeborough
- Land area4 sq mi
- Water area0.08 sq mi
- Population per square mile of land2,740
- County holding the largest share of its areaPassaic 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.
Totowa
How many people live in Totowa
- Population10,959
- Median age42.0
- Population under 182,594 plus or minus 554
- Share under 1823.7 percent plus or minus 5.1
- Population 65 and over2,091
- Share 65 and over19.1 percent
- Households3,916
- Family households2,932
- Share of households that are families74.9 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Totowa
Income and work in Totowa
- Median household income$113,563
- Per capita income$46,964
- Civilian labor force5,663
- Employed5,494
- Unemployed169 plus or minus 83
- Unemployment rate3.0 percent plus or minus 1.4
- Adults 25 and over7,681
- Adults 25 and over with a high school diploma or higher93.5 percent
- Adults 25 and over with a bachelor degree or higher40.7 percent
- Adults 25 and over with a graduate degree14.5 percent plus or minus 3.7
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Totowa
Housing in Totowa
- Housing units3,980
- Occupied units3,916
- Vacant units64 plus or minus 55
- Vacancy rate1.6 percent plus or minus 1.4
- Owner occupied2,881
- Renter occupied1,035 plus or minus 312
- Ownership rate73.6 percent
- Median owner-occupied home value$559,300
- Median gross rent, monthly$2,072 plus or minus $597
- Annual rent as a share of median income21.9 percent plus or minus 6.9
- Single family units3,292
- Share single family82.7 percent
- Units in buildings of two or more688 plus or minus 236
- Share in buildings of two or more17.3 percent plus or minus 5.9
- Mobile homes0
- Median year structure built1958
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Totowa
How Totowa gets to work
- Workers 16 and over who commute4,366
- Commuting under 15 minutes1,311 plus or minus 331
- Share commuting under 15 minutes30.0 percent plus or minus 7.0
- Commuting 30 minutes or more1,746 plus or minus 377
- Share commuting 30 minutes or more40.0 percent
- Drove alone71.2 percent
- Carpooled10.5 percent plus or minus 3.8
- Public transport1.9 percent plus or minus 1.5
- Walked0.3 percent plus or minus 0.5
- Worked from home16.0 percent plus or minus 5.3
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Totowa
SBA loans in Totowa (7(a))
- Approvals23
- Gross approval$8,787,600
- Average approval$382,070
- Median approval$98,000
- Ninetieth percentile approval$740,000
- Largest approval$5,000,000
- Jobs supported236
- Jobs per approval10.3
- Loans with a final outcome7
- Paid in full6
- Charged off1
- Median term120 months
- Share on real estate terms of 20 years or more4.3 percent
- Share to franchises13.0 percent
- Distinct lenders11
- Distinct industries by NAICS17
Counted by borrower city: approvals to borrowers whose address is in Totowa, in any county, FY2020 to FY2026. Only 7 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.
Totowa
SBA loans in Totowa (504)
- Approvals7
- Gross approval$10,879,000
- Average approval$1,554,143
- Median approval$1,764,000
- Largest approval$2,446,000
- Jobs supported43
- Loans with a final outcome5
- Charged off0
- Median term240 months
- Distinct CDCs3
Counted by borrower city: approvals to borrowers whose address is in Totowa, in any county, FY2010 to FY2026. Only 5 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.
Totowa
Flood risk in Totowa
- NFIP communityBorough of Totowa
- NFIP community number340408
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date04/17/20
The Borough of Totowa participates in the National Flood Insurance Program as community 340408 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.
Passaic County, not Totowa
Passaic County context, not Totowa figures
- Establishments in Passaic County12,406
- Covered employment, Passaic County170,830
- Average annual pay, Passaic County$63,668
- Housing units permitted, Passaic County852
Every figure in this section is published for Passaic County as a whole and is not a measurement of Totowa.
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
Totowa questions, answered from the record.
How many people live in Totowa, New Jersey?
10,959, in 3,916 households. Totowa borough covers 4.00 square miles of land, which is 2,740 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Totowa in?
Passaic 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 Totowa?
$113,563. The median owner-occupied home is valued at $559,300. Median gross rent is $2,072 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Totowa businesses?
23 7(a) approvals totaling $8.8 m since FY2020, across 11 lenders, median approval $98,000, plus 7 504 approvals worth $10.9 m since FY2010. These count approvals to borrowers whose address is in Totowa, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Totowa borrowers get paid back?
No rate is published for Totowa. Only 7 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 Totowa in the National Flood Insurance Program?
Yes. Totowa appears in the FEMA Community Status Book as Totowa, borough of, community 340408, 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 Totowa figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Passaic 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 Totowa.
Is zoning published for Totowa?
No. Nothing on this page presents parcel level zoning.