CitytisticsShortlist

Cost of living, pay and housing

40.13° N · 74.54° W · GEOID 3415730

Cream Ridge

Monmouth County, New Jersey · part of the New York, NY metro

Limited data population under 5,000, core figures borrowed from county or metro: median_gross_rent

New JerseyCream Ridge, NJCream RidgeCream Ridge

The short answer

Cream Ridge is home to 727 people. Median household income is $212,768 a year and median rent is $1,827 a month, 10.3% of income (a ratio of two medians, not any one household's burden). Rent pressure is lighter than in most places. The median home is valued at $864,500, about 4.1x annual median household income.

Median gross rent
$1,827
34% above the median place
Median household income
$212,768
165% above the median place
Median home value
$864,500
171% above the median place
Unemployment
0.0%
below the median place (median 4.9%)

Compared with the median of the 6,645 places we track. The bundle was checked 2026-11-14; each measure may refer to an older release.

What stands out about Cream Ridge

  • 0.0% of residents live below the poverty line, fewer than in 99% of the 2,082 places under 10,000 people we track. It is the lowest of 234 New Jersey places.
  • 100% of homes are owner-occupied, more than in 99% of places its size. It is the highest of 287 New Jersey places.
  • Unemployment averaged 0.0% over the survey period, lower than in 99% of places its size. It is the lowest of 242 New Jersey places.
  • Households average 3.48 people, larger than in 97% of places its size. It is the 2nd-highest of 287 New Jersey places.
  • Half the homes were built after 2004, newer housing than in 94% of places its size. It is the 2nd-highest of 287 New Jersey places.

Rent is light relative to pay, but the county has a FEMA natural hazard risk score of 96 out of 100. Budget for insurance before counting the savings.

01

Moving to Cream Ridge

Monmouth County loses about 1.0 residents per 1,000 a year to moves between counties.

Moved in23,028
Moved out23,567
Net−539

Where people come from and where they go, top counties

Ocean County, NJ4,0884,657−569
Middlesex County, NJ3,2822,339+943
Hudson County, NJ1,370789+581
Kings County, NY1,585515+1,070
Richmond County, NY1,663
New York County, NY670823−153

Within New Jersey, other states or abroad

Arrivals
Leavers
Within New JerseyOther statesAbroad

Income per tax return

Arrivals$133K
Leavers$117K

People on tax returns who moved between counties, from IRS migration data, 2022 to 2023. Figures are for all of Monmouth County; flows under 20 returns are not published.

Who moves here
0.0% of residents arrived from another county in the past year, 0.0% from another state.
Who arrives and who leaves
Households moving into Monmouth County report $132,500 a year in income on average; those leaving, $117,000, so newcomers earn more than leavers.
Income you would need
$73,100 a year to rent the median home at the 30% line. From your city
Rent or buy
Median rent is $1,827 a month; owners with a mortgage pay $4,001 a month including taxes and insurance, on a median home of $864,500.
Getting to work
32 minutes each way on average; 22.7% work from home.
If it is close but not quite
Lucas, TX matches it on character. Compare the two
Moved here in the past year1
0.0%
below the median place (median 5.7%)
Moved from another state1
0.0%
below the median place (median 2.0%)
Income of households moving in7
$132,507
88% above the median place
All 5 moving measures
MeasureCream RidgeAmong 6,645 placesVs median
Moved here in the past year10.0%below (median 5.7%)
Moved from another state10.0%below (median 2.0%)
Net movers per 1,000 people7County figure-1.067% below
Income of households moving in7County figure$132,50788% above
Income of households moving out7County figure$117,02067% above
02

What it costs to live here

Homeownership is 100.0%, 51% above the median place.

Cream Ridge10.3%
Typical place20.4%

Share of the median household income that goes to the median rent. Above 30% is the usual stress line.

Income needed to rent
$73,080
a year, at the 30% line
Rent to income
10.3%
50% below the median place
Home price to income
4.1x
7% above the median place

Could you afford it?

The median rent would take
10%
comfortably under the 30% line
Left after rent, in US prices
$181,700
a year
Vs the typical household here
Same
as the median household

Uses the median rent in Cream Ridge, $1,827 a month, and local prices for everything else (105.2 against a US average of 100). It runs in your browser and stores nothing.

Moving from somewhere else? Work out the salary you would need in Cream Ridge.

Sponsored · exampleMoving to Cream Ridge? Compare quotes from licensed movers. No partner is signed yet. Sponsored offers are always labelled and never change the data.
Homeownership1
100.0%
51% above the median place
Owner costs with a mortgage1
$4,001
114% above the median place
Median year built1
2004
1% above the median place
All 15 cost and housing measures
MeasureCream RidgeAmong 6,645 placesVs median
Median gross rent1County figure$1,82734% above
Rent to income110.3%50% below
Home price to income14.1x7% above
Prices vs US average2Metro figure112.612% above
Fair market rent, 2 bedrooms3County figure$2,28341% above
HUD area median income4County figure$140,60031% above
Property tax paid (median)1$10,001206% above
Median home value1$864,500171% above
Home prices, 1-year change5County figure6.2%95% above
Home prices, 5-year change5County figure64.2%25% above
Homeownership1100.0%51% above
Renters paying 30%+1County figure52.7%4% above
Owner costs with a mortgage1$4,001114% above
Vacant homes1County figure6.9%2% below
Median year built120041% above
03

Work and pay

Unemployment is 0.0%, below the median place (median 4.9%).

Unemployment1
0.0%
below the median place (median 4.9%)
Poverty rate1
0.0%
below the median place (median 10.8%)
Commutes by transit1
0.0%
below the median place (median 0.8%)

More on work and pay, against the typical place

Median household income$212,768 2.7×
Income per person$81,542 2.0×
Works from home22.7% +82%
All 10 work and pay measures
MeasureCream RidgeAmong 6,645 placesVs median
Median household income1$212,768165% above
Income per person1$81,542103% above
Unemployment10.0%below (median 4.9%)
Average annual pay6County figure$74,43513% above
Pay growth, 1 year6County figure5.5%49% above
Jobs6County figure279,01285% above
Poverty rate10.0%below (median 10.8%)
Mean commute1County figure32 min29% above
Works from home122.7%82% above
Commutes by transit10.0%below (median 0.8%)
04

Who lives here

Homes with broadband is 100.0%, 8% above the median place.

Homes with broadband1
100.0%
8% above the median place
Household size1
3.5
39% above the median place
Median age1
51.2
31% above the median place

More about who lives here, against the typical place

Born abroad30.1% 3.4×
High school or higher97.4% +5%
Bachelor's or higher61.9% +93%
All 8 people measures
MeasureCream RidgeAmong 6,645 placesVs median
Population17276646th largest
Median age151.231% above
Bachelor's or higher161.9%93% above
High school or higher197.4%5% above
Household size13.539% above
Born abroad130.1%241% above
No health insurance1County figure5.3%17% below
Homes with broadband1100.0%8% above
05

Life in Cream Ridge

1 site is on the National Register of Historic Places, 10 of them National Historic Landmarks.

  • Coward-Hendrickson House listed 1985

Businesses per 10,000 residents (county figures)

Restaurants and bars29.1 +40%
Shops39.0 +29%
Arts, recreation and fitness7.3 +78%
Doctors' offices and clinics35.0 +73%
Child care centers2.7 +17%

Counts businesses with paid staff, so small owner-run shops are not included.

Doctors' offices and clinics per 10k8
35.0
73% above the median place
Restaurants and bars per 10k8
29.1
40% above the median place
Students per teacher10
10.7
31% below the median place
All 9 schools and local life measures
MeasureCream RidgeAmong 6,645 placesVs median
Public schools10County figure183above (median 9)
Public school students10County figure90,346above (median 4,897)
Students per teacher10County figure10.731% below
Restaurants and bars per 10k8County figure29.140% above
Shops per 10k8County figure39.029% above
Arts, recreation and fitness per 10k8County figure7.378% above
Doctors' offices and clinics per 10k8County figure35.073% above
Child care centers per 10k8County figure2.717% above
National Register listings9192% below
06

Safety, weather and risk

Good air days is 91.3%, 33% above the median place.

No crime figure yet. Either the city police department did not report to the FBI for the latest year, or our monthly fetch has not reached Cream Ridge. Larger places are fetched first.

Good air days13
91.3%
33% above the median place
Median air quality index13
36
16% below the median place
Heat wave risk12
98.6
9% above the median place
All 11 weather and risk measures
MeasureCream RidgeAmong 6,645 placesVs median
July average high11County figure86°F1% below
January average low11County figure24°F4% below
Average temperature11County figure54°F1% below
Annual precipitation11County figure47.6 in9% above
Natural hazard risk12County figure96.34% above
Hurricane risk12County figure93.132% above
Tornado risk12County figure55.132% below
Wildfire risk12County figure88.845% above
Heat wave risk12County figure98.69% above
Median air quality index13County figure3616% below
Good air days13County figure91.3%33% above
08

Cream Ridge in 2030: where the trends point

Citytistics projections to 2030: each figure's own trend, blended with the typical trend across the places we rate, eased toward long-run US growth and carried forward from the latest release. The range is where 80% of places landed when we tested the same method on past releases.

MeasureLatest2030 projectionLikely rangeAvg. per year
Median household income$212,768 (2024)$265,000$224,000 to $313,500+3.7%
Median home value$864,500 (2024)$1,196,000$868,000 to $1,648,000+5.6%

The median home would be worth 4.5 years of the median income in 2030, against 4.1 now.

A projection of recent trends, not a prediction of the economy or advice to buy or sell. How we project.

09

Places like Cream Ridge

The closest matches on income, rent, home value, education and age, and the places nearby.

PlaceRentIncome
Lucas, TX$1,764$221,364Compare
South Barrington, IL$2,200$221,575Compare
Town and Country, MO$1,955$232,534Compare
Medfield, MA$2,014$218,946Compare
Medfield, MATown and Country, MOSouth Barrington, ILLucas, TXCream Ridge, NJCream RidgeLucasSouth BarringtonTown and CountryMedfieldCream RidgeLucasSouth BarringtonTown and CountryMedfield

Common questions

Is Cream Ridge a good place to live?

It depends on what you need, so here is what the numbers say. 0.0% of residents live below the poverty line, fewer than in 99% of the 2,082 places under 10,000 people we track. It is the lowest of 234 New Jersey places. 100% of homes are owner-occupied, more than in 99% of places its size. It is the highest of 287 New Jersey places. On cost, space and class size it scores 100 out of 100 for families. See how it ranks with your own weights.

Is Cream Ridge expensive to live in?

The median rent takes 10.3% of the median household income, against 20.4% in the typical place we track. Housing is a lighter load here than usual. The median home is valued at $864,500.

What salary do you need to live in Cream Ridge?

To rent the median home without spending more than 30% of income on rent, a household needs about $73,080 a year. Work it out from your current city.

What places are similar to Cream Ridge?

On income, rent, home value, education and age, the closest matches are Lucas, TX, South Barrington, IL, Town and Country, MO and Medfield, MA.

Sources and methods

The small numbers beside each measure point here. Every dataset is public; links go to the publisher.

  1. American Community Survey 5-year estimates · US Census Bureau · 2020 to 2024 estimatesTables B01002, B01003, B05002, B07003, B08013, B08301, B15003, B17001, B19013, B19301, B23025, B25002, B25003, B25010, B25035, B25064, B25070, B25077, B25088, B25103, B28002, S2701
  2. Regional Price Parities · US Bureau of Economic Analysis · Latest release, retrieved 2026-11-14
  3. Fair Market Rents · US Department of Housing and Urban Development · Fiscal year 2027
  4. Income Limits · US Department of Housing and Urban Development · Fiscal year 2026
  5. House Price Index · Federal Housing Finance Agency · Latest release, retrieved 2026-11-14
  6. Quarterly Census of Employment and Wages · US Bureau of Labor Statistics · 2025 annual averages
  7. SOI Tax Stats, county-to-county migration · Internal Revenue Service · Tax years 2022 to 2023Counts tax returns and the people on them; flows under 20 returns are suppressed.
  8. County Business Patterns · US Census Bureau · 2023 data
  9. National Register of Historic Places · National Park Service · Listings through 2026-05-22
  10. Common Core of Data · National Center for Education Statistics · 2024 release
  11. 1991-2020 climate normals · NOAA National Centers for Environmental Information · Series updated 2026-11-05Averages for 1991 to 2020 computed from NOAA's county climate series (nClimDiv).nClimDiv county series
  12. National Risk Index · Federal Emergency Management Agency · Latest release, retrieved 2026-11-14NRI data and maps
  13. Air Quality System, annual AQI by county · US Environmental Protection Agency · 2025 dataAirData download files

Derived by Citytistics from the tables above: rent to income (B25064, B19013); home price to income (B25077, B19013).

What stands out compares Cream Ridge with places of a similar size, using only figures measured for Cream Ridge itself; county and metro figures never count. Survey figures are estimates with margins of error. Formulas and definitions: methodology. API: /api/v1/places/cream-ridge-new-jersey

Citytistics. “Cream Ridge, New Jersey.” Data as of 2026-11-14. https://www.citytistics.com/city/cream-ridge-new-jersey/

This product uses the Census Bureau Data API but is not endorsed or certified by the Census Bureau.