Neptune City, NJ population, income and ZIP codes

Neptune City borough is a small town in New Jersey, with 4,607 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #313 of 700 ranked by population — larger than 55% of them. The median age here is 40.9 years against 39.1 nationally, a slightly older profile than the country as a whole. 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 Neptune City borough earn a median of $82,872 a year, 5.5% above the national figure of $78,538 and 22% below the $106,926 median for the 543 New Jersey cities we cover. This figure covers the household, not the worker: two people on ordinary wages at one address outrank a single professional in the same table. Poverty reaches 18.2% of residents here, above the 12.4% national rate.

The typical owner-occupied home in Neptune City borough is valued at $383,600, 26.4% above the national figure and 7% below the $412,500 peer median, while median gross rent runs $1,525 a month, 8.5% above the national figure, or roughly $18,300 across a full year. A household on the local median income would put about 22.1% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is within the standard affordability guideline. The home-price-to-income ratio works out to 4.6×, against roughly 3.9× nationally, so buying is harder here than in the average US market. 64% of occupied homes are owner-occupied versus 65% nationally, so the market leans more heavily on renters. Rent is reported gross — contract rent plus tenant-paid utilities — which is why it runs above the advertised price on a listing for the same unit.

Median income runs above the national figure while poverty also runs above it — a split distribution, not a uniformly comfortable place. Averages hide that; the two numbers together do not.

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.