HomeNew JerseySussex County
Sussex County, New Jersey: commercial real estate data.
Sussex County, New Jersey had an estimated 147,444 residents on July 1, 2024, up 2.2 percent since the 2020 census base of 144,228, across 519 square miles. County output reached $6.73 bn in 2024, 3,184 establishments operate here, and the SBA record carries 161 7(a) approvals worth $88.1 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Sussex County
How many people live in Sussex County
- Population, American Community Survey 2020-2024145,807
- Households57,767
- Average household size2.52
- Median household income$116,186
- Median age43.8
- Median gross rent$1,585 per month
- Median owner-occupied home value$369,400
- Home value to household income3.2 times
- Annual rent as a share of median income16.4 percent
- Adults 25 and over with a bachelor degree or higher40.3 percent
- Adults 25 and over with a graduate degree14.5 percent
- Adults 25 and over106,277
- Population under 1828,419
- Share under 1819.5 percent
- Population 65 and over27,656
- Share 65 and over19.0 percent
- Working age population, 18 to 6489,732
- Civilian labor force82,575
- Unemployment rate5.1 percent
- Labor force participation, adults 18 and over70.3 percent
- Rank by population among New Jersey counties17th of 21
- Rank by population among US county-equivalents, Puerto Rico included467th of 3,222
Sussex County is the 17th largest of 21 New Jersey counties by population. A median home costs 3.2 times median household income, which is moderately unaffordable by national standards. Residents under 18 outnumber those 65 and over, at 19.5 percent against 19.0 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Sussex County
Is Sussex County's population growing?
- Population, July 1, 2024147,444
- Census 2020 base population144,228
- Population change since the 2020 census base2.23 percent
- Population change, 2023 to 20241,150
- Births, 20241,438
- Deaths, 20241,378
- Natural change, 202460
- Net domestic migration, 2024783
- Net international migration, 2024317
- Total net migration, 20241,100
- Cumulative net domestic migration, 2021 to 20242,933
- Rank by growth among US county-equivalents1096th of 3,144
The county has grown 2.23 percent since the 2020 census base. The population grew in 2024 from both sources: births exceeded deaths and more people moved in than left.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Sussex County
Where are people moving to Sussex County from?
- Tax returns filed by households arriving4,313
- People arriving, from those returns7,385
- Tax returns filed by households leaving3,986
- Net household movement327
- Adjusted gross income arriving$400.5 m
- Net adjusted gross income movement$735,000
- Average income of an arriving household$92,866
- Average income of a leaving household$100,300
- Largest single originMorris County (970 households)
- Largest single destinationMorris County (797 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Morris County | 970 | 1,525 | $84.7 m |
| Passaic County | 468 | 864 | $35.6 m |
| Bergen County | 453 | 869 | $44.4 m |
| Essex County | 272 | 528 | $24.1 m |
| Hudson County | 201 | 354 | $20.1 m |
| Warren County | 168 | 297 | $12.7 m |
| Orange County | 140 | 234 | $10.4 m |
| Union County | 116 | 205 | $13.3 m |
Households arriving report $7,434 less average income than households leaving, which drains spending power even where headcount holds up. The largest single source of arrivals is Morris County, which is the catchment a retail or multifamily study should look at first.
US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Sussex County
What is the Sussex County economy?
- County GDP, 2024$6.73 bn
- County GDP, 2023$6.43 bn
- GDP change, 2023 to 20244.7 percent
- GDP change over five years28.9 percent
- Rank by GDP among the New Jersey areas BEA publishes20th of 21
- Rank by GDP among the US county areas BEA publishes602nd of 3,127
- GDP per resident$46,149
Output grew 4.7 percent in the latest year and 28.9 percent over five, which is the trend line a lender will read behind any single year figure.
US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024.
Sussex County
Employment by industry in Sussex County
- Covered employment, annual average38,360
- Establishments reporting3,624
- Average annual pay$58,693
- Average weekly wage$1,129
- Health care and social assistance, employment5,749
- Health care and social assistance, average annual pay$61,149
- Retail trade, employment5,655
- Retail trade, average annual pay$38,099
- Accommodation and food services, employment3,956
- Accommodation and food services, average annual pay$27,956
- Manufacturing, employment2,886
- Manufacturing, average annual pay$77,294
- Other services, except public administration, employment1,866
- Professional, scientific and technical services, employment1,494
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Health care and social assistance | 5,749 | 632 | $61,149 |
| Retail trade | 5,655 | 375 | $38,099 |
| Accommodation and food services | 3,956 | 280 | $27,956 |
| Manufacturing | 2,886 | 122 | $77,294 |
| Other services, except public administration | 1,866 | 355 | $39,624 |
| Professional, scientific and technical services | 1,494 | 333 | $76,103 |
| Arts, entertainment and recreation | 1,491 | 76 | $27,776 |
| Administrative and support and waste management services | 1,371 | 233 | $52,658 |
Health care and social assistance is the largest private sector at 5,749 jobs, 15.0 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Sussex County
How many businesses are in Sussex County?
- Establishments, all industries3,184
- Employment at those establishments32,211
- Annual payroll$1.80 bn
- Establishments per 1,000 residents21.8
These are counts of establishments physically operating in the county, not listings, so they are the supply side a feasibility study measures demand against. County Business Patterns counts private establishments with paid employees in March 2023, while the Quarterly Census of Employment and Wages above counts every unemployment-insured employer, public ones included, as a 2024 annual average, so the two establishment and employment counts differ.
US Census Bureau, County Business Patterns, 2023.
Sussex County
Building permits in Sussex County
- Housing units authorized by permit, 2024158
- Declared construction value permitted$30.1 m
- Single family units authorized116
- Multifamily units authorized42
- Multifamily share of units26.6 percent
- Average declared value per unit$190,293
- Units authorized per 1,000 households2.7
Single-family homes are 73.4 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
Sussex County
SBA loans in Sussex County (7(a) and 504)
- 7(a) approvals recorded161
- 7(a) gross approval dollars$88.1 m
- Average 7(a) approval$547,215
- Median 7(a) approval$200,000
- 10th percentile approval$20,000
- 90th percentile approval$1,728,000
- Largest single approval$4,300,000
- Jobs reported supported, 7(a)1,104
- Jobs per approval6.9
- Distinct 7(a) lenders active41
- Distinct industries receiving approvals95
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer20.5 percent
- Loans on real estate terms33
- Loans on working capital terms, 120 months or shorter115
- Franchise loans14
- Franchise share of approvals8.7 percent
- Leading industry by approval countFull-Service Restaurants (7)
- Most active lenderTD Bank, National Association (32)
- 504 approvals recorded18
- 504 gross approval dollars$11.5 m
- Average 504 approval$636,833
- Median 504 approval$504,500
- Distinct CDCs active5
- 504 jobs per approval14.4
- 504 jobs per million dollars approved22.6
- Most active CDCEmpire State Certified Development Corporation (7)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$99.6 m
The average approval of $547,215 sits well above the median of $200,000, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here gets. Only 20.5 percent of approvals run on real estate terms, so SBA credit here is mostly working capital and equipment rather than property acquisition.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30. US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Sussex County
SBA loan default and charge-off rates in Sussex County
Do SBA loans in Sussex County get paid back?
- Loans with a final outcome recorded23
- Paid in full21
- Charged off2
- Status: Cancelled26
- Status: Exempt from disclosure102
- Status: Charged off2
- Status: Paid in full21
- Status: Committed, not yet disbursed10
Only 23 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
Compare against the national and state SBA charge-off rates, computed the same way over resolved loans only.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Sussex County
SBA lending by place in Sussex County
- Borrower cities with recorded lending20
- Sparta, approvals32
- Newton, approvals27
- Stanhope, approvals14
- Franklin, approvals12
- Andover, approvals12
- Sussex, approvals11
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Sparta | 32 | $11,346,000 |
| Newton | 27 | $23,061,200 |
| Stanhope | 14 | $7,757,000 |
| Franklin | 12 | $12,349,500 |
| Andover | 12 | $10,623,000 |
| Sussex | 11 | $3,569,800 |
| Lafayette | 7 | $1,474,800 |
| Hopatcong | 7 | $245,000 |
| 12 other borrower cities | 39 | $17,675,300 |
Sparta accounts for 32 approvals against 27 in Newton. County level figures average over that gap, which is why a site decision is made at the submarket rather than the county.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Sussex County
How large is Sussex County?
- Land area519 sq mi
- Rank by land area among New Jersey counties4th of 21
- Width, east to west31.7 mi
- Height, north to south30.8 mi
- Geographies sharing a boundary5
- Residents per square mile of land281
- Establishments per square mile6.13
US Census Bureau county boundary geometry, TIGER, adjacency computed from shared boundary vertices, TIGER county boundaries. US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year. US Census Bureau, County Business Patterns, 2023.
Sussex County
Flood risk in Sussex County
- Communities in the county in the NFIP Community Status Book24
- Of those, participating in the NFIP24
- NFIP participation rate100.0 percent
- Communities carrying a CRS class0
- Radon levels in Sussex County, EPA zone predicted average indoor radon screening level greater than 4 pCi/LZone 1
The EPA places Sussex County in radon zone 1, a predicted average indoor radon screening level greater than 4 pCi/L. The zone is a screening prediction for the county and does not substitute for a test at an address. 100.0 percent of the county's listed communities participate in the National Flood Insurance Program, per Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26. US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
Coverage
What this page does not hold.
Traffic counts, 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 →
Feasibility studies
When a Sussex County site needs a document a lender will accept.
The same data layer behind this page is the one the studies are written from. A study for a Sussex County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-2024145,807
- Households57,767
- Average household size2.52
- Median household income$116,186
- Median age43.8
Common questions
Sussex County questions, answered from the record.
How many people live in Sussex County, New Jersey?
The Census Bureau estimates 147,444 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 145,807, in 57,767 households, ranking 17th of 21 New Jersey counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Sussex County's population growing?
The population has grown 2.23 percent since the 2020 census base of 144,228, to 147,444 on July 1, 2024. In 2024 there were 1,438 births against 1,378 deaths, with net migration of 1,100. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Sussex County?
$116,186. The median owner-occupied home is valued at $369,400, which is 3.2 times income, and median gross rent is $1,585 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Sussex County?
3,184 establishments, employing 32,211 people with an annual payroll of $1.80 bn. These are establishments physically operating in the county, not listings. Source: US Census Bureau, County Business Patterns, 2023.
What is employment by industry in Sussex County?
Health care and social assistance is the largest private sector at 5,749 jobs, 15.0 percent of covered employment. Covered employment averages 38,360 jobs at an average annual pay of $58,693, or $1,129 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Sussex County?
161 7(a) approvals totaling $88.1 m since FY2020, across 41 lenders, with a median approval of $200,000, plus 18 504 approvals worth $11.5 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Sussex County?
158 housing units were authorized by permit in 2024, with a declared construction value of $30.1 m. Multifamily was 26.6 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Sussex County?
Zone 1, a predicted average indoor radon screening level greater than 4 pCi/L. Source: US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
Where do people moving to Sussex County come from?
The largest single origin is Morris County, with 970 households. Arriving households report an average income of $92,866 against $100,300 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Sussex County on this page?
No. Annual average daily traffic resolves in the platform rather than in this dataset, so no AADT figure is printed here. It is a gap we know about rather than a figure we estimated.
Is zoning published for Sussex County?
No. Nothing on this page presents parcel level zoning, and where a statutory framework applies it is marked as the statewide frame, to be confirmed locally.
Sussex County
Cities and places in Sussex.
18 Census places lie wholly or partly in Sussex County. All 18 carry enough published place level data for a page of their own and are linked.
| Place | Type | Population | SBA 7(a) approvals, projects in this county | Lies in |
|---|---|---|---|---|
| Hopatcong | borough | 14,565 | 7 | Wholly in this county |
| Lake Mohawk | CDP | 9,508 | None recorded | Wholly in this county |
| Newton | town | 8,369 | 27 | Wholly in this county |
| Franklin | borough | 4,968 | 12 | Wholly in this county |
| Highland Lakes | CDP | 3,852 | 2 | Wholly in this county |
| Stanhope | borough | 3,552 | 14 | Wholly in this county |
| Upper Greenwood Lake | CDP | 3,319 | None recorded | 12.8 percent here, 87.2 percent Passaic County |
| Hamburg | borough | 3,308 | 6 | Wholly in this county |
| Byram Center | CDP | 2,188 | None recorded | Wholly in this county |
| Ogdensburg | borough | 2,160 | 3 | Wholly in this county |
| Sussex | borough | 2,145 | 11 | Wholly in this county |
| Vernon Valley | CDP | 1,532 | None recorded | Wholly in this county |
| Vernon Center | CDP | 1,503 | None recorded | Wholly in this county |
| Crandon Lakes | CDP | 1,293 | None recorded | Wholly in this county |
| Layton | CDP | 967 | 1 | Wholly in this county |
| Branchville | borough | 814 | 5 | Wholly in this county |
| Andover | borough | 728 | 12 | Wholly in this county |
| Ross Corner | CDP | 24 | None recorded | Wholly in this county |
A further 61 of the county's 161 SBA 7(a) approvals are to borrowers in cities that match no Census place in Sussex County, the largest being Sparta (32), Lafayette (7), Vernon (6). Those are postal cities, unincorporated areas and cities outside the county, so no place row claims them; they are counted in the county total above.
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