Finesville, NJ population, income and ZIP codes

Finesville CDP is a very small community in New Jersey, with 333 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #636 of 700 ranked by population — larger than 9% of them. The median age here is 61.9 years against 39.1 nationally, a markedly older profile that usually tracks retirees staying put and younger households leaving for work. At this population the ACS sample is small, so the margin of error around every dollar figure below is wide — treat the numbers as a band, not a point, and expect them to move between annual releases without the place itself changing.

Households in Finesville CDP earn a median of $77,647 a year, 1.1% below the national figure of $78,538 and 27% below the $106,926 median for the 543 New Jersey cities we cover. The median is the midpoint household, not an average, so a handful of very high earners cannot drag it upward the way they distort a mean. Poverty reaches 6.3% of residents here, below the 12.4% national rate.

The typical owner-occupied home in Finesville CDP is valued at $289,800, 4.5% below the national figure and 30% below the $412,500 peer median, while median gross rent runs $3,501 a month, 149% above the national figure, or roughly $42,012 across a full year. A household on the local median income would put about 54.1% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is severely stretched — a median-income renter clears the cost-burden line by a wide margin before utilities beyond the gross-rent definition. The home-price-to-income ratio works out to 3.7×, against roughly 3.9× nationally, so buying is easier here than in the average US market. 63.5% of occupied homes are owner-occupied versus 65% nationally, so the market leans more heavily on renters. The rent line includes utilities paid by the tenant, a definition worth remembering when comparing it against a landlord's quoted rate.

Finesville CDP is the unusual combination of expensive to rent and cheap to buy: rent takes 54.1% of median income while homes cost only 3.7× it. Where that pattern shows up, the gap is normally down to down-payment and credit barriers rather than price. A median age of 61.9 puts Finesville CDP well into retirement-weighted territory, which pulls median household income down even where household wealth is high, because retirement draws are counted differently from wages.

All values below were released by the Census for this exact geography, with no gap-filling on our side. Small-area estimates still carry wider margins of error than state or national figures, so check the linked ACS tables before relying on them for lending, appraisal or legal work.