Neptune, NJ

The affordability dashboard for Neptune, NJ aggregates Census ACS 5-Year Estimates across 1 ZIP code covering 37,554 residents, then layers in county-level federal data to produce an overall grade of C (55/100). The headline inputs are median household income of $95,712, median home value of $425,800, median rent of $1,867 per month, and 37.2% of adults holding a bachelor's degree or higher. These four metrics alone explain most of the variance between city dashboards.

Cross-agency feeds widen the picture beyond Census demographics. HUD publishes a Fair Market Rent for a 2-bedroom in this county at $2,328 per month (studio $1,676, 1BR $1,889, 3BR $3,043, 4BR $3,371). Department of Labor data lists infant center-based childcare at $16,352 per year, consuming 17% of the local median household income.

Reading the overall grade requires reading all seven dimensions together. The score weights Income 20%, Safety 20%, Housing 15%, Rent 15%, Education 10%, Commute 10%, and Childcare 10%, with each sub-score benchmarked against national percentiles rather than state averages — so the grade is genuinely comparable across any city in the country. Strengths visible in the raw data for Neptune, NJ include income. Pressure points are housing. Unemployment currently reads 8.2% and poverty 10.8% — numbers worth keeping alongside the headline grade.