Stone Harbor, NJ population, income and ZIP codes

Stone Harbor borough is a very small community in New Jersey, with 853 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #572 of 700 ranked by population — larger than 18% of them. The median age here is 65.5 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 Stone Harbor borough earn a median of $128,235 a year, 63.3% above the national figure of $78,538 and 20% above the $106,926 median for the 543 New Jersey cities we cover. Median household income counts every pre-tax dollar arriving at an address — wages, self-employment, Social Security, pensions, interest and public assistance — for everyone living there, so multi-earner households pull the figure up even where individual pay is modest. Poverty reaches 5% of residents here, less than half the 12.4% national rate.

The typical owner-occupied home in Stone Harbor borough is valued at $1,898,800, 525.8% above the national figure and 360% above the $412,500 peer median, while median gross rent runs $1,588 a month, 12.9% above the national figure, or roughly $19,056 across a full year. A household on the local median income would put about 14.9% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is cheap relative to what people here earn. The home-price-to-income ratio works out to 14.8×, against roughly 3.9× nationally, so buying is out of reach on local earnings alone and the ownership market leans on outside income, equity or dual high earners. 84.5% of occupied homes are owner-occupied versus 65% nationally, an owner-dominated market where rental listings are scarce and rent medians rest on a thin sample. Gross rent folds in the utilities a tenant pays separately, so it is closer to the real monthly outlay than a headline rent figure.

Home values sit at 14.8× median household income, far past the 3.9× national mark, so ownership costs here are set by something other than local wages — second homes, retirees with equity, or commuters earning elsewhere. A median age of 65.5 puts Stone Harbor borough 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.