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Place dossier plate
SheetNJ-LOCH-ARBOUR-NJ · Loch Arbour, NJ 199 pop · income 85th pct
Instrument codes from this place’s ACS population and household income, BEA state COL, FBI safety, national income percentile, photo-finish peer city, home-value band, and matched Census-tract book - not a moving recommendation.
Income neighbourhood around Loch Arbour
Lowest/highest poles plus peers nearest Loch Arbour on median household income. Full ladder: /browse and /rankings.
median HH income
Johnson · lowest
45,757
Johnson · lowest
45,757 median HH income
26.9% of the leader · rank #1
Gaylordsville · near
115,398
Gaylordsville · near
115,398 median HH income
67.8% of the leader · rank #2
Loch Arbour · this city
115,417
Loch Arbour · this city
115,417 median HH income
67.8% of the leader · rank #3
Delanson · near
115,417
Delanson · near
115,417 median HH income
67.8% of the leader · rank #4
Porters Neck · near
115,417
Porters Neck · near
115,417 median HH income
67.8% of the leader · rank #5
Lake Cassidy · near
115,417
Lake Cassidy · near
115,417 median HH income
67.8% of the leader · rank #6
Marshallville · highest
170,197
Marshallville · highest
170,197 median HH income
100.0% of the leader · rank #7
What this shows Neighbourhood peers only - not a full nationwide city board. Open a near peer when the gap is small; open the poles when the spread is wide.
Compare beyond this state
Nationwide peers by population, income, and FBI crime rate
Out-of-state nearest neighbors for Loch Arbour on ACS population and median household income
, plus FBI UCR reporting rate when the extract covers this place. Link sets are deduped so each column is a distinct comparison path, not a forecast that peers share a labor market or climate.
Similar population
Nearest out-of-state cities by ACS population. This city: 199.
Agency-reported UCR totals per 100,000 population, not a neighborhood safety grade or a prediction of personal risk.
Loch Arbour - the verdict
Nationally, Loch Arbour sits in the 85th percentile for household income and the 5th percentile for safety among US cities with a population of 1,000 or more. Source: Census ACS + FBI UCR.
85th
percentile, household income
99th
percentile, home value
94th
percentile, median rent
5th
percentile, safety
📝 How we sourced this
Population, income, and housing-cost figures come from the U.S. Census Bureau American Community Survey 5-year estimates (B-series tables). Crime data uses FBI UCR; climate uses NOAA Climate Normals; school counts come from NCES Common Core of Data; permits use the Census Building Permits Survey (BPS). See our methodology page for the full ETL pipeline and OMB / FIPS join keys.
Data Snapshot: Loch Arbour, NJ
Loch Arbour is a small town in New Jersey, home to 199 residents per U.S. Census Bureau ACS 2023 estimates. Median household income here is $115,417 per year, placing it in the top quartile of U.S. cities for household income, with a poverty rate of 9.6%. Typical homes in Loch Arbour are valued around $1,284,100, and the median resident age is 56.7 years. 71.5% of adults here have a bachelor's degree or higher; 49.1% of working-age residents are in the labor force.
Housing supply pressure shows in Census Building Permit Survey data: 0 residential units were authorized in 2024 (No Permits), down 100% from five years earlier. Loch Arbour's reported crime rate runs above the national norm: the FBI's Uniform Crime Reporting program logs 4504.5 total incidents per 100,000 residents here, above the national average (agency reporting is voluntary, so this measures reporting activity, not a definitive danger score).
New Jersey carries a cost-of-living premium: on BEA's 100-equals-national-average cost index, New Jersey scores 108.8 (Well Above Average), per the 2024 Regional Price Parities release. HUD Fair Market Rent for a typical two-bedroom in this state is $2,132 per month. Statewide, average monthly utility bills in New Jersey run around $275, per EIA 2023 residential energy data. FEMA's National Risk Index rates natural-hazard exposure at 90.8 out of 100 (Very High).
A decision-led reading path
Useful questions to ask of Loch Arbour's data
How this reading path is ordered
This is not a composite city score. It is a city-specific route through the available public records, ordered for this profile so the page starts with questions the joined data can actually answer. The route here runs from housing and income to reported crime to work and mobility to population change to comparison shortlist; another city can have a different sequence or fewer supported layers because the source joins are not uniform.
For Loch Arbour, city-specific coverage includes local building permits, commute-mode shares, annual population history, FBI reported-crime rates.
No matched row is reported here for within-city Census tract profiles, matched public-school count; the page leaves those layers out instead of substituting a statewide or national value.
1. Housing and income
How far does income reach against housing in Loch Arbour?
This is a citywide price-to-income reference, not a mortgage-affordability test; it does not include interest rates, taxes, insurance, household size, or an individual buyer's down payment. Housing value is high relative to the citywide income median. That flags a question for comparison, not a verdict: tenure, household composition, financing costs, and the age of the ACS estimate can all change what a resident actually pays.
The home-value-to-income reference is comparatively stretched: the ACS median home value is 11.1 times median household income. The ACS poverty estimate is 9.6%, which keeps the citywide median from describing every household.
What can the FBI record say about safety in Loch Arbour?
The joined FBI UCR record reports 4504.5 violent and property crimes per 100,000 residents, above the 2280.5 national reference used here. The difference is 98% higher in arithmetic terms, but agency participation is voluntary and reporting completeness varies.
Treat this as a reporting-rate comparison, not a prediction of personal risk or a neighborhood-level safety grade. Tourism, daytime population, reporting practices, and variation inside the city are not adjusted away. The state rank and same-state peer table are the narrower comparisons available on this page.
What does the journey to work look like in Loch Arbour?
Driving alone is the largest reported mode at 78.0%. A reliable mean commute time is not available for this row, so the mode shares carry the comparison.
Mode share answers how workers usually travel; it does not measure congestion, reliability, distance to a particular job, or the quality of transit service. No single mode completely explains the work trip here. The mix is more useful than a one-number commute grade, especially when comparing places where transit, walking, and remote work divide the non-driving share differently.
Which cities make useful reference points for Loch Arbour?
Use the in-state set to hold state policy and broad price conditions more nearly constant. Use the nationwide size set to ask whether cities with a similar resident count produce different housing, income, or commute outcomes. The income set is a third lens, deliberately separate from population matching. The nationwide peer panel below adds a fourth FBI UCR reporting-rate lens, not personal risk.
Within New Jersey, the closest population matches are Bridgeville (199 residents, $107,548 income); Tuckahoe (200 residents, $134,514 income); Heislerville (197 residents, $86,298 income). Outside the state, the closest population matches in this dataset are Daviston, AL (199 residents); Avery, CA (199 residents); Crowley, CO (199 residents). A third, income-matched reference set of 6 out-of-state cities sits in the income neighbourhood chart near the Place Dossier plate. These are mechanical peer sets, not claims that the places share a labor market, climate, culture, or metro context.
These joined records add useful context, but they do not need another full-size panel. Each remains a separate measure with its own geography and source boundary.
Population change
Is Loch Arbour growing, shrinking, or holding steady?
Census PEP estimates show the population declined by -2 residents from 2020 to 2025, a -0.9% change. Separately, Census BPS recorded 0 housing units authorized in 2024. PEP and ACS are different Census series, so the trend is kept separate from the headline ACS population.
The recent population line is broadly flat. That makes the composition of change more important than the headline count: housing turnover, household size, and age structure can shift even when the total barely moves.
2020 estimate
230
2025 estimate
228
Period change
-0.9%
Census Population Estimates Program, 2020–2025; permit context uses Census BPS.
Comparative score against U.S. cities with population of 1,000 or more on Census ACS medians
(income, poverty, bachelor's share, cost of living) and FBI UCR violent-crime rates when
published. Higher means a stronger standing on those published figures, not a livability
rating, not a recommendation to move, buy, or pick a "best" city. Missing inputs drop out
and redistribute weight.
How it is calculated.
Bachelor's+ share A+
71.5%
Adults with a bachelor's degree or higher; ACS.
Violent crime A+
0 /100k
FBI UCR violent offenses per 100,000 residents; lower is stronger on this axis.
Household income A-
$115,417
Median household income vs U.S. cities (pop ≥1,000); ACS.
Poverty rate D
9.6%
Share of residents below the poverty line; lower scores better on this axis.
Cost of living F
108.8 index
BEA state Regional Price Parities index (100 ≈ national average); lower is stronger on this axis. Same value for every city in the state.
Loch Arbour profile (scored ACS/FBI dimensions)Read the chart values
Bachelor's+ share: 98/100 (A+) · 71.5%
Violent crime: 97/100 (A+) · 0 /100k
Household income: 84/100 (A-) · $115,417
Poverty rate: 41/100 (D) · 9.6%
Cost of living: 10/100 (F) · 108.8 index
Where Loch Arbour sits on home value vs crime among peer cities
Loch Arbour's median home value and FBI crime rate plotted with similar-size and
same-state peers (padded with large cities when the peer set is thin). The second
read: pricey does not always mean safer, check which quadrant this city lands in.
Census ACS median home value vs FBI UCR crime rate - Loch Arbour highlighted among 21 peers.Read the chart values
Loch Arbour, NJ (this city): home $1,284,100, crime 4,505/100k
New York, NY : home $751,700, crime 3,039/100k
Los Angeles, CA : home $879,500, crime 2,212/100k
Chicago, IL : home $315,200, crime 4,012/100k
Houston, TX : home $253,400, crime 5,442/100k
Phoenix, AZ : home $381,900, crime 3,125/100k
Philadelphia, PA : home $232,400, crime 5,457/100k
San Antonio, TX : home $219,700, crime 5,218/100k
San Diego, CA : home $848,500, crime 2,082/100k
Dallas, TX : home $295,300, crime 4,010/100k
San Jose, CA : home $1,187,800, crime 3,195/100k
Austin, TX : home $512,700, crime 3,709/100k
Fort Worth, TX : home $277,300, crime 3,158/100k
Columbus, OH : home $234,500, crime 3,088/100k
Indianapolis, IN : home $207,000, crime 4,214/100k
San Francisco, CA : home $1,380,500, crime 4,526/100k
Seattle, WA : home $912,100, crime 5,783/100k
Denver, CO : home $586,700, crime 5,755/100k
Oklahoma City, OK : home $215,100, crime 3,570/100k
El Paso, TX : home $171,700, crime 1,772/100k
Washington, DC : home $724,600, crime 4,514/100k
How does Loch Arbour compare to other US cities?
Where Loch Arbour sits among all US cities (population 1,000+) on each measure, computed live from Census and FBI data.
Household income85% higher than other cities
Home value99% pricier than other cities
Median rent94% pricier than other cities
Safety5% safer than other cities
"Safer than" reflects total crime rate from FBI UCR; the others use Census ACS estimates.
Zoom in to just New Jersey and the picture shifts: Loch Arbour ranks #229 of 238 New Jersey cities by lowest crime rate, a different read than the national percentile above.
How we calculate these percentiles & ranks
Each percentile compares Loch Arbour against every qualifying US city; each in-state rank narrows that to New Jersey only. Full formula and direction notes: methodology.
New Jersey-relative analysis
Median Gross Rent places Loch Arbour near the bottom of New Jersey's cities
Among the 686 New Jersey cities PlainCities tracks with reported median gross rent data, Loch Arbour ranks #1 - the 0th percentile within the state. This is a different, narrower cut than the nationwide percentiles above: it compares Loch Arbour only against its own state's cities, not the full US field.
Median Household Income
#267 of 659
59th percentile in New Jersey
Median Gross Rent
#1 of 686
0th percentile in New Jersey
Median Home Value
#16 of 672
98th percentile in New Jersey
Poverty Rate
#102 of 680
84th percentile in New Jersey
Bachelor's Degree or Higher
#71 of 686
90th percentile in New Jersey
How in-state ranks are ordered
Ranked by raw value (highest first); a higher rank is not automatically "better" for every measure, see each metric's own context above. This is a comparison within New Jersey only, not a livability score. See the methodology for the source and calculation.
Gauge source note
85th percentile nationally for median household income · 5th percentile for safety (lower crime rate). Source: Census ACS 2023 / FBI UCR 2023.
Loch Arbour's profile vs. every US city
Income, affordability, and safety percentile
Loch Arbour's percentile rank on 3 favorable-direction measures (income, affordability, safety) vs. every tracked US city -- higher on every axis is more favorable. Not a composite quality score, just the arithmetic mean of the axes shown.
How Loch Arbour's home value compares nationally
Median home value vs. every US city (population 1,000+)
$1,284,1001st percentilemore affordable than 1% of 15,600 US cities
Show national distribution
Each bar is a $25K-wide band; taller bars hold more US cities. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source U.S. Census Bureau ACS 5-Year Estimates · 2023
Loch Arbour's home-value-to-income ratio: 11.1×
ACS median home value divided by median household income.
Band
pressured
> 5.0×
National rank
#15,424 of 15,516
More affordable than 1% of tracked cities (pop. 1,000+)
Size class
#11,260 of 11,323
Micro cities (under 10,000)
At 11.1×, Loch Arbour sits in the pressured band:
national rank #15,424 of 15,516 and #11,260 of 11,323micro cities (under 10,000).
Housing value is high relative to the citywide income median, a comparison flag, not a verdict on any household.
How this ratio is calculated
Ratio = Census ACS 2023 median home value ÷ median household income for cities with both fields and population ≥ 1,000.
Rank 1 = lowest ratio (most compact). Bands match the fleet affordability thresholds used on guides (<3.0 / 3.0–5.0 / >5.0).
This is not a mortgage payment estimate and does not include rates, taxes, insurance, or down payment.
Income distribution context
$115,417Loch Arbour, NJ median household income (Census ACS)
Show U.S. national quintile / Lorenz context Loch Arbour, NJ median household income (Census ACS 5-year) with U.S. national quintile shares for context. Diagonal = equality; the curve is national, not computed for Loch Arbour, NJ.
Key socioeconomic indicators
Bachelor's degree or higher (adults 25+)71.5%
Census ACS S1501, educational attainment
Poverty rate (households below FPL)9.6%
Census ACS S1701, poverty status
Labor force participation (adults 16+)49.1%
Census ACS S2301, share of working-age residents in the labor force
Population
199
Median Income
$115,417
Median Home Value
$1,284,100
Median Age
56.7
Poverty Rate
9.6%
Labor force participation
49.1%
Bachelor's Degree+
71.5%
Safety & Crime
Total Crime Rate
4504.5
per 100,000 residents
Violent Crime
0.0
per 100,000 residents
Property Crime
4504.5
per 100,000 residents
Crime reporting caveat
Reflects incidents reported to the FBI's Uniform Crime Reporting program — agency participation is voluntary and reporting completeness varies by jurisdiction and year, so this reflects reporting activity, not a definitive danger score. Not adjusted for tourism, commuter, or daytime population.
Population Change
PEP vintage
Annual U.S. Census Bureau Population Estimates Program (PEP) estimates, 2020–2025
Loch Arbour's Census PEP population estimates, 2020–2025.Read the chart as text
Period
Population
2020
230 residents
2021
232 residents
2022
231 residents
2023
226 residents
2024
228 residents
2025
228 residents
Housing Supply
BPS source
Census Bureau Building Permits Survey (BPS) - annual residential permits authorized
Total Permits (2024)
0
housing units authorized
Single-Family
0
detached homes
Multifamily
0
apartments & condos
5-Year Permit Trend (2019–2024)
Year
Total
Single-Family
Multifamily
Est. Value
2019
1
1
0
$0.9M
2020
1
1
0
$0.3M
2021
1
1
0
$0.3M
2022
1
1
0
$0.3M
2023
0
0
0
-
2024
0
0
0
-
Permit volume decreased 100% from 2019 to 2024.
Commute Patterns
Commute source
How workers travel to work, Census ACS 2023
Drive Alone
78.0%
Carpool
0.0%
Public Transit
4.9%
Walk
1.2%
Work from Home
14.6%
Other
1.3%
Based on 82 workers 16 and over.
Monthly Utility Costs
New Jersey statewide monthly utility average (EIA 2023): $275
EIA 2023 residential energy data puts average monthly utilities across New Jersey at $275 (electricity about $120 , water and sewer about $60 ).
These are New Jersey statewide averages, not a meter reading for Loch Arbour. Actual bills vary by home size, usage, and local rates. Source: U.S. Energy Information Administration (EIA) 2023.
Living Costs & Risk
New Jersey's BEA cost-of-living index is 108.8 (Well Above Average; US average = 100, RPP 2024). HUD Fair Market Rent for a typical two-bedroom in the county around Loch Arbour is $2,132/mo. FEMA's National Risk Index, averaged to New Jersey statewide on PlainCities, rates natural-hazard exposure at 90.8 / 100 (Very High).
Cost/risk geography note
Cost of living is a New Jersey statewide BEA average; rent is a county-level HUD Fair Market Rent for the county Loch Arbour sits in; the FEMA hazard score shown here is a statewide average of county NRI inputs, not a parcel-level reading.
How Loch Arbour compares to similar-size New Jersey cities
Same-state peer method
Closest same-state population matches, not geographic neighbors. Population + median household income come from Census Bureau ACS 5-year B01001 and B19013.
Source: U.S. Census Bureau ACS 5-Year 2023, FBI UCR, Census BPS 2024, Census ACS B08301/B08136, U.S. Energy Information Administration (EIA) 2023, BEA Regional Price Parities 2024, HUD Fair Market Rents 2026, FEMA National Risk Index.