housinganalytics.org

New Jersey · Place GEOID 3421450

Emerson borough

ACS 5-year 2024 estimates · population 7,305 · 2,636 housing units

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Median household income
$155,536
State $104,663
Median home value
$645,200
State $467,052
Median gross rent
$1,887
State $1,721
Homeownership rate
91.8%
State 63.8%
Renter cost-burden rate
59.1%
≥30% of income
Owner cost-burden rate
31.3%
≥30% of income
Homeowner vacancy
0.0%
Of owner-occupied + for-sale units
Rental vacancy
0.0%
Of renter-occupied + for-rent units
Overall vacancy
0.0%
All housing units
Price-to-income ratio
4.15
Affordable: 2.0–3.0

Section 1

Community Profile

Population, demographics, household composition, and income.

Community Data Summary

Emerson boroughNew Jersey
Population 7,305 9,343,809
Population density (per sq. mi.) 3,274.32 —
Median household income $155,536 $104,663
HUD Area Median Income (4-person, 100%) — —
Households 2,636 —
Average household size 2.70 people —
Owner-occupied 91.8% 63.8%
Renter-occupied 8.2% 36.2%
Race 70.6% White · 1.4% Black 0.0% White · 0.0% Black
Source: ACS 5-year 2024 (Tables DP05, S1101, DP04, S1901) and Census Gazetteer (land area); HUD FY2026 Income Limits.

Racial composition

Emerson borough compared with New Jersey.
Source: ACS 5-year 2024, Table DP05.

Educational attainment (population 25+)

57.0% hold a bachelor's degree or higher (state: 43.6%).
Source: ACS 5-year 2024, Table S1501.

Median Household Income by Tenure

Owner-occupied vs. renter-occupied household income, county and state.
Source: ACS 5-year 2024, Table B25119.

Median Household Income by Age of Householder

Median household income by age group of householder.
Source: ACS 5-year 2024, Table B19049.

Median Household Income by Number of Earners

Median household income for families with each earner count.
Source: ACS 5-year 2024, Table S1903.

Household Size

Distribution of households by number of people.
Source: ACS 5-year 2024, Table S2501.

Income by Number of Earners

Earners Share Median income Attainable monthly housing cost Attainable home
0 earners 13.4% $71,667 $1,792 $235,749
1 earner 30.3% $128,066 $3,202 $445,686
2 earners 45.7% $198,525 $4,963 $707,958
3+ earners 10.6% $250,001 $6,250 $899,569
Attainable monthly housing cost = 30% of gross income ÷ 12. Attainable home price assumes 30% housing budget, 30-yr mortgage at 7%, 5% down.
Source: ACS 5-year 2024, Table S1903; affordability formula derived.

Households

2,636

Average size: 2.70 people

Households with children

851

32.3% of households

Per-capita income

$67,188

Poverty rate: 2.3%

Section 2

Residential Market Analysis

Housing stock characteristics — tenure, type, age, size, vacancy, rents.

Tenure

91.8% owner-occupied vs. state average 63.8%.
Source: ACS 5-year 2024, Table DP04.

Structure type

Single-family share 90.7% · Missing middle (2–19 units) 6.7%.
Source: ACS 5-year 2024, Table B25024.

Housing stock by decade

82.4% built before 1980 · Median structure age 1,960.00 yrs.
Source: ACS 5-year 2024, Table S2504.

Housing size mismatch

Compares the share of housing units by bedroom count against the share of households by size — a common diagnostic of housing supply/demand alignment.
Source: ACS 5-year 2024, Tables B25041 (bedrooms) and S2501 (household size).

Home value distribution

Owner-occupied homes by value bracket. Median: $645,200.
Source: ACS 5-year 2024, Table DP04.

Monthly Housing Costs

Distribution of monthly housing costs across all occupied units.
Source: ACS 5-year 2024, Table B25104.

Number of Bedrooms

Housing units by number of bedrooms.
Source: ACS 5-year 2024, Table B25041.

Median rent by bedroom

Overall median gross rent: $1,887.
Source: ACS 5-year 2024, Table B25031.

Renters by age

Number of renter householders by age bracket.
Source: ACS 5-year 2024, Table S2502.

Owners by age

Number of owner householders by age bracket.
Source: ACS 5-year 2024, Table S2502.

Section 3

Workforce Housing Needs Assessment

Affordability, cost burden, and the housing options for households in the workforce income range.

Workforce range — ACS median household income

80% MHI$124,429
100% MHI$155,536
120% MHI$186,643

Place-level median from ACS 5-year estimates. A household at 100% MHI in Emerson borough should be able to afford a home up to roughly — (30% housing budget, default mortgage terms).

Workforce range — HUD Area Median Income

HUD AMI data not available for this place's parent county.

Affordability calculator

Follows the standard 30%-of-gross-income affordability rule.

Affordable monthly—
Affordable home price—

Renter cost burden

59.1% of renter households spend ≥30% of income on rent (7.5% spend ≥50%).
Source: ACS 5-year 2024, Table B25070.

Owner cost burden by income

31.3% of homeowners spend ≥30% of income on housing. Bars show counts of cost-burdened owners by income bracket.
Source: ACS 5-year 2024, Table B25106.

Household income — owners vs renters

Distribution of household income for owner-occupied (navy) and renter-occupied (gold) households.
Source: ACS 5-year 2024, Table B25118.
Methodology & sources

All figures derive from the 2024 American Community Survey 5-year estimates pulled directly from the Census Data API at the place geography level. State and national comparisons are population-weighted aggregates of county-level estimates (an approximation; ACS publishes its own state and national medians which can differ slightly).

HUD Area Median Income figures are inherited from the parent county (HUD publishes Income Limits at county/MSA level). BLS industry (QCEW) and occupation wage (OEWS) sections from the county profiles are not shown on place pages because those datasets are not published at sub-county geography — see the parent county profile for that context.

The affordability calculator uses a 30% housing-budget rule with a 30-year mortgage. Defaults are 7% interest, 5% down, $2,500/year taxes and insurance, and 0.5% PMI — adjustable above.

Place GEOID: 3421450 · Parent county FIPS: —.