CitytisticsShortlist

Cost of living, pay and housing

40.20° N · 74.03° W · GEOID 3449920

Neptune City

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

Limited data population under 5,000

New JerseyNeptune City, NJNeptune CityNeptune City

The short answer

Neptune City is home to 4,606 people. Median household income is $88,864 a year and median rent is $1,526 a month, 20.6% 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 $420,700, about 4.7x annual median household income.

Median gross rent
$1,526
12% above the median place
Median household income
$88,864
11% above the median place
Median home value
$420,700
32% above the median place
Unemployment
5.4%
10% above the median place

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 Neptune City

  • Owning with a mortgage costs about $986 a month more than the median rent, a wider gap than in 86% of the 2,469 places under 10,000 people we track.
  • Half the homes were built before 1959, older housing than in 82% of places its size.
  • Households average 2.18 people, smaller than in 81% of places its size.
01

Moving to Neptune City

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
4.5% of residents arrived from another county in the past year, 1.5% from another state. County figure.
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
$61,000 a year to rent the median home at the 30% line. From your city
Rent or buy
Median rent is $1,526 a month; owners with a mortgage pay $2,512 a month including taxes and insurance, on a median home of $420,700.
Getting to work
24 minutes each way on average; 18.9% work from home; 5.2% take transit.
If it is close but not quite
Fruita, CO matches it on character. Compare the two
Income of households moving in8
$132,507
88% above the median place
Income of households moving out8
$117,020
67% above the median place
Moved here in the past year1
4.5%
22% below the median place
All 5 moving measures
MeasureNeptune CityAmong 6,645 placesVs median
Moved here in the past year1County figure4.5%22% below
Moved from another state1County figure1.5%23% below
Net movers per 1,000 people8County figure-1.067% below
Income of households moving in8County figure$132,50788% above
Income of households moving out8County figure$117,02067% above
02

What it costs to live here

Property tax rate is 1.9%, 109% above the median place.

Neptune City20.6%
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
$61,040
a year, at the 30% line
Rent to income
20.6%
1% above the median place
Home price to income
4.7x
24% above the median place

Could you afford it?

The median rent would take
21%
comfortably under the 30% line
Left after rent, in US prices
$67,200
a year
Vs the typical household here
Same
as the median household

Uses the median rent in Neptune City, $1,526 a month, and local prices for everything else (105.2 against a US average of 100). It runs in your browser and stores nothing.

Like Neptune City, but easier on the budget

Close matches on income, rent, home value, education and age, where rent takes a clearly smaller share of income.

PlaceRent to incomeMore left a year
Valley Falls, RI17.6% vs 20.6%$8,500Compare
Washingtonville, NY17.0% vs 20.6%$6,100Compare
Village Green-Green Ridge, PA16.8% vs 20.6%$13,100Compare

Moving from somewhere else? Work out the salary you would need in Neptune City.

Sponsored · exampleMoving to Neptune City? Compare quotes from licensed movers. No partner is signed yet. Sponsored offers are always labelled and never change the data.
Property tax rate1
1.9%
109% above the median place
Property tax paid (median)1
$7,976
144% above the median place
Median year built1
1959
1% below the median place
All 16 cost and housing measures
MeasureNeptune CityAmong 6,645 placesVs median
Median gross rent1$1,52612% above
Rent to income120.6%1% above
Property tax rate11.9%109% above
Home price to income14.7x24% 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$7,976144% above
Median home value1$420,70032% above
Home prices, 1-year change5County figure6.2%95% above
Home prices, 5-year change5County figure64.2%25% above
Homeownership172.1%9% above
Renters paying 30%+152.8%4% above
Owner costs with a mortgage1$2,51234% above
Vacant homes16.8%3% below
Median year built119591% below
03

Work and pay

Poverty rate is 16.9%, 57% above the median place.

Poverty rate1
16.9%
57% above the median place
Income per person1
$48,133
20% above the median place
Median household income1
$88,864
11% above the median place
All 10 work and pay measures
MeasureNeptune CityAmong 6,645 placesVs median
Median household income1$88,86411% above
Income per person1$48,13320% above
Unemployment1County figure5.4%10% above
Average annual pay6County figure$74,43513% above
Pay growth, 1 year6County figure5.5%49% above
Jobs6County figure279,01285% above
Poverty rate116.9%57% above
Mean commute124 min4% below
Works from home1County figure18.9%52% above
Commutes by transit1County figure5.2%above (median 0.8%)
04

Who lives here

Homes with broadband is 97.3%, 5% above the median place.

Homes with broadband1
97.3%
5% above the median place
Household size1
2.2
13% below the median place
No health insurance1
9.2%
44% above the median place

More about who lives here, against the typical place

Median age41.7 +7%
High school or higher94.5% +2%
Born abroad12.5% +41%
Bachelor's or higher30.5% −5%
All 9 people measures
MeasureNeptune CityAmong 6,645 placesVs median
Population14,6066646th largest
Population change since 20207-0.4%below (median 1.1%)
Median age141.77% above
Bachelor's or higher130.5%5% below
High school or higher194.5%2% above
Household size12.213% below
Born abroad112.5%41% above
No health insurance19.2%44% above
Homes with broadband197.3%5% above
05

Life in Neptune City

116 sites are on the National Register of Historic Places, 10 of them National Historic Landmarks.

Out the door, against the typical place

Parks per 10k residents8.7 −15%
Playgrounds per 10k4.3 −54%
Grocery stores per 10k2.2 +2%
Restaurants, cafes and bars per 10k13.0 +17%
Libraries per 10k0.0 −100%
Named paths and bike trails0 km −100%
Bus and rail stops per sq mi0.0 −100%

Mapped by volunteers in OpenStreetMap inside the city limits (Census boundaries), so coverage is fuller in some places than others. Map data © OpenStreetMap contributors, ODbL.

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 10k9
35.0
73% above the median place
Restaurants and bars per 10k9
29.1
40% above the median place
Students per teacher13
10.7
31% below the median place
All 16 schools and local life measures
MeasureNeptune CityAmong 6,645 placesVs median
Public schools13County figure183above (median 9)
Public school students13County figure90,346above (median 4,897)
Students per teacher13County figure10.731% below
Restaurants and bars per 10k9County figure29.140% above
Shops per 10k9County figure39.029% above
Arts, recreation and fitness per 10k9County figure7.378% above
Doctors' offices and clinics per 10k9County figure35.073% above
Child care centers per 10k9County figure2.717% above
Parks per 10k108.715% below
Playgrounds per 10k104.354% below
Grocery stores per 10k102.22% above
Restaurants, cafes and bars per 10k1013.017% above
Libraries per 10k100.0below (median 0.9)
Named paths and bike trails100.0below (median 2.0)
Transit stops per sq mi100.0below (median 0.2)
National Register listings11County figure116above (median 13)
06

Safety, weather and risk

Violent crime per 100k is 218, 13% above the median place.

Violent crime per 100k
218
13% above the median place
Property crime per 100k
2,306
90% above the median place
Months reported
12 of 12
by the city police department to the FBI

Counts only offenses reported by the city police department. Sheriff, state and campus police are not included, and some departments do not report to the FBI at all, so compare with care.

Good air days16
91.3%
33% above the median place
Median air quality index16
36
16% below the median place
Heat wave risk15
98.6
9% above the median place
All 11 weather and risk measures
MeasureNeptune CityAmong 6,645 placesVs median
July average high14County figure86°F1% below
January average low14County figure24°F4% below
Average temperature14County figure54°F1% below
Annual precipitation14County figure47.6 in9% above
Natural hazard risk15County figure96.34% above
Hurricane risk15County figure93.132% above
Tornado risk15County figure55.132% below
Wildfire risk15County figure88.845% above
Heat wave risk15County figure98.69% above
Median air quality index16County figure3616% below
Good air days16County figure91.3%33% above
08

Neptune City in 2030: where the trends point

If recent trends hold, the median rent will take about 21% of the median income in 2030, about the same as 21% now.

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 rent$1,526/mo (2024)$1,950/mo$1,600 to $2,380/mo+4.2%
Median household income$88,864 (2024)$113,500$96,000 to $134,500+4.2%
Median home value$420,700 (2024)$600,000$436,000 to $827,000+6.1%
Population4,591 (2025)4,6204,430 to 4,820+0.1%

The median home would be worth 5.3 years of the median income in 2030, against 4.7 now.

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

09

Places like Neptune City

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

PlaceRentIncome
Fruita, CO$1,472$87,184Compare
Walker Mill, MD$1,661$88,333Compare
Central Point, OR$1,364$86,058Compare
Hillcrest Heights, MD$1,545$82,785Compare
Hillcrest Heights, MDCentral Point, ORWalker Mill, MDFruita, CONeptune City, NJNeptune CityFruitaWalker MillCentral PointHillcrest HeightsNeptune CityFruitaWalker MillCentral Point

Common questions

Is Neptune City a good place to live?

It depends on what you need, so here is what the numbers say. Owning with a mortgage costs about $986 a month more than the median rent, a wider gap than in 86% of the 2,469 places under 10,000 people we track. Half the homes were built before 1959, older housing than in 82% of places its size. On cost, space and class size it scores 22 out of 100 for families. See how it ranks with your own weights.

Is Neptune City expensive to live in?

The median rent takes 20.6% of the median household income, against 20.4% in the typical place we track. Housing is a heavier load here than usual. The median home is valued at $420,700.

What salary do you need to live in Neptune City?

To rent the median home without spending more than 30% of income on rent, a household needs about $61,040 a year. Work it out from your current city.

Is Neptune City safe?

There were 218 reported violent crimes per 100,000 residents, against 192 in the typical place.

What places are similar to Neptune City?

On income, rent, home value, education and age, the closest matches are Fruita, CO, Walker Mill, MD, Central Point, OR and Hillcrest Heights, MD.

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. Population Estimates · US Census Bureau · Vintage 2025
  8. 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.
  9. County Business Patterns · US Census Bureau · 2023 data
  10. OpenStreetMap · © OpenStreetMap contributors, available under the Open Database License (ODbL) · Map data as of 2026-11
  11. National Register of Historic Places · National Park Service · Listings through 2026-05-22
  12. Crime Data Explorer · Federal Bureau of Investigation · 2025 data
  13. Common Core of Data · National Center for Education Statistics · 2024 release
  14. 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
  15. National Risk Index · Federal Emergency Management Agency · Latest release, retrieved 2026-11-14NRI data and maps
  16. 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); property tax rate (B25103, B25077); home price to income (B25077, B19013).

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

Citytistics. “Neptune City, New Jersey.” Data as of 2026-11-14. https://www.citytistics.com/city/neptune-city-new-jersey/

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