Totowa, NJ

The affordability dashboard for Totowa, NJ aggregates Census ACS 5-Year Estimates across 1 ZIP code covering 10,804 residents, then layers in county-level federal data to produce an overall grade of C+ (60/100). The headline inputs are median household income of $113,563, median home value of $559,300, median rent of $2,072 per month, and 40.7% 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 $2,324 per month (studio $1,778, 1BR $2,024, 3BR $2,835, 4BR $3,618). Department of Labor data lists infant center-based childcare at $15,994 per year, consuming 14% 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 Totowa, NJ include income. Pressure points are housing. Unemployment currently reads 3.0% and poverty 4.1% — numbers worth keeping alongside the headline grade.