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Place dossier plate
SheetNJ-UPPER-SADDLE-RIVER-NJ · Upper Saddle River, NJ 8,354 pop · income 99th 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 Upper Saddle River
Lowest/highest poles plus peers nearest Upper Saddle River on median household income. Full ladder: /browse and /rankings.
median HH income
Eaton · lowest
51,731
Eaton · lowest
51,731 median HH income
20.9% of the leader · rank #1
La Grande · near
245,884
La Grande · near
245,884 median HH income
99.3% of the leader · rank #2
Jupiter Island · near
246,500
Jupiter Island · near
246,500 median HH income
99.5% of the leader · rank #3
Upper Saddle… · this city
246,719
Upper Saddle… · this city
246,719 median HH income
99.6% of the leader · rank #4
Palos Verdes… · near
247,500
Palos Verdes… · near
247,500 median HH income
99.9% of the leader · rank #5
North Chevy C… · near
247,500
North Chevy C… · near
247,500 median HH income
99.9% of the leader · rank #6
Crosspointe · highest
247,708
Crosspointe · highest
247,708 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
Out-of-state nearest neighbors for Upper Saddle River on ACS population and median household income
. 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: 8,354.
Nationally, Upper Saddle River sits in the 99th percentile for household income among US cities with a population of 1,000 or more. Source: Census ACS.
99th
percentile, household income
98th
percentile, home value
94th
percentile, median rent
📝 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: Upper Saddle River, NJ
Upper Saddle River is a small town in New Jersey, home to 8,354 residents per U.S. Census Bureau ACS 2023 estimates. The typical household in Upper Saddle River brings in $246,719 a year, placing it in the top quartile of U.S. cities for household income, with a poverty rate of 4.1%. Home values in Upper Saddle River run a median of $1,101,800, and the median resident age is 41.7 years. About 74.3% of adults hold a bachelor's degree or higher, while 59.2% of working-age residents are in the labor force.
Housing supply pressure shows in Census Building Permit Survey data: 188 residential units were authorized in 2024 (Building Boom), up 1346% from five years earlier.
New Jersey carries a cost-of-living premium: the state registers 108.8 on a 100-equals-national-average index (Well Above Average) per BEA Regional Price Parities 2024. 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. On FEMA's National Risk Index, this area rates 90.8 out of 100 for natural-hazard exposure (Very High).
A decision-led reading path
Useful questions to ask of Upper Saddle River'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 comparison shortlist to housing and income to schools and households to population change to work and mobility; another city can have a different sequence or fewer supported layers because the source joins are not uniform.
For Upper Saddle River, city-specific coverage includes matched public-school count, commute-mode shares, annual population history, local building permits.
No matched row is reported here for within-city Census tract profiles, FBI reported-crime rates; the page leaves those layers out instead of substituting a statewide or national value.
Question 1
Which cities make useful reference points for Upper Saddle River?
Within New Jersey, the closest population matches are Kenilworth (8,339 residents, $126,295 income); Newton (8,336 residents, $73,679 income); Twin Rivers (8,315 residents, $98,831 income). Outside the state, the closest population matches in this dataset are Parkville, PA (8,354 residents); Eaton, OH (8,353 residents); Austell, GA (8,351 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.
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.
How far does income reach against housing in Upper Saddle River?
The home-value-to-income reference is comparatively stretched: the ACS median home value is 4.5 times median household income. The ACS poverty estimate is 4.1%, which keeps the citywide median from describing every household.
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.
What does the education layer cover for Upper Saddle River?
The NCES join finds 3 public schools within the city match. 74.3% of adults age 25+ hold a bachelor's degree or higher in the ACS estimate. These measures answer different questions: the school count describes local institutions, while adult attainment describes residents and cannot be used as a school-quality rating.
The city has a broader matched school footprint, but count alone does not describe performance, capacity, program availability, or attendance boundaries. This profile deliberately avoids converting it into an unsupported family-friendliness score.
Is Upper Saddle River growing, shrinking, or holding steady?
Recent estimates point upward. Growth can increase housing demand and service needs, but the permit record must move in the same direction before calling it a supply response; the two series measure different things.
Census PEP estimates show the population grew by +315 residents from 2020 to 2025, a +3.8% change. Separately, Census BPS recorded 188 housing units authorized in 2024. PEP and ACS are different Census series, so the trend is kept separate from the headline ACS population.
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.
Work and mobility
What does the journey to work look like in Upper Saddle River?
Mode share answers how workers usually travel; it does not measure congestion, reliability, distance to a particular job, or the quality of transit service. Remote work has a visible role in the local pattern. That can reduce commute exposure for some workers, but it says nothing about job availability or broadband quality; read it alongside income and housing rather than as a stand-alone lifestyle score.
Driving alone is the largest reported mode at 51.8%. A reliable mean commute time is not available for this row, so the mode shares carry the comparison.
Public transit
8.7%
Work from home
31.6%
Drive alone
51.8%
City-level Census ACS commuting estimates covering 3,822 workers age 16+.
Top-decile income · poverty 4.1% (Below-median poverty)
Cost of Living Index (state)
108.8 (US=100)
High cost · BEA RPP 2024, New Jersey average
B
City profile score · Upper Saddle River, NJ
70/100
4 published dimensions · ACS/FBI 2023
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.
Household income A+
$246,719
Median household income vs U.S. cities (pop ≥1,000); ACS.
Bachelor's+ share A+
74.3%
Adults with a bachelor's degree or higher; ACS.
Poverty rate B
4.1%
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.
Violent crime N/A
N/A
No FBI UCR violent-crime rate for this place (coverage is incomplete).
Upper Saddle River profile (scored ACS/FBI dimensions)Read the chart values
Household income: 100/100 (A+) · $246,719
Bachelor's+ share: 100/100 (A+) · 74.3%
Poverty rate: 71/100 (B) · 4.1%
Cost of living: 10/100 (F) · 108.8 index
How does Upper Saddle River compare to other US cities?
Upper Saddle River measured against every US city with 1,000+ residents, computed live from the same Census and FBI data shown throughout this page.
Household income99% higher than other cities
Home value98% pricier than other cities
Median rent94% pricier than other cities
"Safer than" reflects total crime rate from FBI UCR; the others use Census ACS estimates.
How we calculate these percentiles & ranks
Each percentile compares Upper Saddle River 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 Upper Saddle River near the bottom of New Jersey's cities
Among the 686 New Jersey cities PlainCities tracks with reported median gross rent data, Upper Saddle River ranks #1 - the 0th percentile within the state. This is a different, narrower cut than the nationwide percentiles above: it compares Upper Saddle River only against its own state's cities, not the full US field.
Median Household Income
#14 of 659
98th percentile in New Jersey
Median Gross Rent
#1 of 686
0th percentile in New Jersey
Median Home Value
#23 of 672
97th percentile in New Jersey
Poverty Rate
#280 of 680
58th percentile in New Jersey
Bachelor's Degree or Higher
#48 of 686
93rd 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
99th percentile nationally for median household income. Source: Census ACS 2023 / FBI UCR 2023.
How Upper Saddle River's home value compares nationally
Median home value vs. every US city (population 1,000+)
$1,101,8002nd percentilemore affordable than 2% 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
ACS median home value divided by median household income.
Band
moderate
3.0–5.0×
National rank
#11,906 of 15,516
More affordable than 23% of tracked cities (pop. 1,000+)
Size class
#9,134 of 11,323
Micro cities (under 10,000)
At 4.5×, Upper Saddle River sits in the moderate band:
national rank #11,906 of 15,516 and #9,134 of 11,323micro cities (under 10,000).
Income and home value move in the same broad scale; check same-state peers before treating the multiple as an advantage or a warning.
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
$246,719Upper Saddle River, NJ median household income (Census ACS)
Show U.S. national quintile / Lorenz context Upper Saddle River, 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 Upper Saddle River, NJ.
Key socioeconomic indicators
Bachelor's degree or higher (adults 25+)74.3%
Census ACS S1501, educational attainment
Poverty rate (households below FPL)4.1%
Census ACS S1701, poverty status
Labor force participation (adults 16+)59.2%
Census ACS S2301, share of working-age residents in the labor force
Population
8,354
Median Income
$246,719
Median Home Value
$1,101,800
Median Age
41.7
Poverty Rate
4.1%
Labor force participation
59.2%
Bachelor's Degree+
74.3%
Schools
Total Schools
3
Public schools in this city
Population Change
PEP vintage
Annual U.S. Census Bureau Population Estimates Program (PEP) estimates, 2020–2025
Upper Saddle River's Census PEP population estimates, 2020–2025.Read the chart as text
Period
Population
2020
8,335 residents
2021
8,310 residents
2022
8,307 residents
2023
8,540 residents
2024
8,650 residents
2025
8,650 residents
Housing Supply
BPS source
Census Bureau Building Permits Survey (BPS) - annual residential permits authorized
📈 Building Boom
Total Permits (2024)
188
housing units authorized
Single-Family
176
detached homes
Multifamily
12
apartments & condos
Supply Intensity
22.5
permits per 1,000 residents
5-Year Permit Trend (2019–2024)
Year
Total
Single-Family
Multifamily
Est. Value
2019
13
13
0
$7.3M
2020
26
26
0
$8.0M
2021
149
141
8
$19.3M
2022
194
185
9
$10.7M
2023
192
181
11
$13.1M
2024
188
176
12
$12.1M
Permit volume increased 1346% from 2019 to 2024.
Commute Patterns
Commute source
How workers travel to work, Census ACS 2023
Drive Alone
51.8%
Carpool
5.7%
Public Transit
8.7%
Walk
0.9%
Work from Home
31.6%
Other
1.3%
Based on 3,822 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 Upper Saddle River. 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 Upper Saddle River 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 Upper Saddle River sits in; the FEMA hazard score shown here is a statewide average of county NRI inputs, not a parcel-level reading.
How Upper Saddle River 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, NCES CCD, 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.